I've been with them since they bought out Canada Trust. Service has gone down the tubes over the years, and now with their password authentication service I have finally decided enough is enough and am moving to a new bank. They essentially require you to have a cell phone to receive security number texts with them to log in. Since when am I required to have, or even if I do have one, to provide them with a cell phone number? Believe it or not, there are people who do not have a cell phone. They do allow a voice mail system but doing that requires you to be a home, and it doesn't work most of the time. and what if you're not at home? I ended up being late on a payment to a credit card because of this. I was in the hospital trying to make a payment with my wife's phone, but because it's not a registered number I could not do so. I have complained but nothing changes. So goodbye TD. Done with you. Moving my savings account, my TSFA, my RRSP and my Trading account. read more