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TD Bank

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About 

TD Bank is a large financial institution based in Canada, offering a range of banking services, including personal and business banking, mortgages, and investment products. Customers generally report a positive experience with TD Bank's customer service and convenience, but some have criticized the bank's fees and account restrictions. Overall, TD Bank is a well-established and reputable bank, but it is important to carefully consider your specific needs and compare options before choosing a financial institution.

Key Features

Here are some key features of TD Bank:

  1. Products and Services. TD Bank offers a wide range of financial products and services, including personal and business checking and savings accounts, mortgages, credit cards, investments, and insurance.
  2. Convenience. The bank has a large network of branches and ATMs, as well as digital and mobile banking options for convenient banking on-the-go.
  3. Customer Service. TD Bank is known for its helpful and friendly customer service, available through a variety of channels including in-branch, phone, and online.
  4. Security. The bank provides robust security features to protect customer information and accounts, including online and mobile security measures, fraud monitoring, and 24/7 customer support.
  5. Rewards and Perks. TD Bank offers rewards and benefits programs for its credit cardholders, such as cashback, points, and travel perks.

    It's important to note that not all TD Bank products and services are available in all areas and some may have certain restrictions or fees associated with them.

    Requirements

    To open an account with TD Bank, you'll generally need to meet the following requirements:

    1. Age. You must be at least 18 years of age to open a personal checking or savings account.
    2. Residency. You must reside in the United States and have a valid U.S. mailing address.
    3. Identification. You'll need to provide government-issued identification, such as a driver's license or passport, to verify your identity.
    4. Contact Information. You'll need to provide your phone number, email address, and mailing address.
    5. Initial Deposit. Depending on the type of account you're opening, you may need to make an initial deposit to get started.
    6. Financial Information. TD Bank may also request additional financial information, such as employment information and income details, to assess your ability to maintain the account.

    It's always a good idea to check with TD Bank for the most up-to-date information on account requirements and to confirm the specific requirements for the type of account you're interested in opening.

    Access on the Go

    TD Bank offers a range of options for customers to access their accounts on-the-go:

    1. Mobile App. TD Bank has a mobile app for both iOS and Android devices that allows customers to check account balances, deposit checks, transfer funds, pay bills, and more.
    2. Online Banking. Customers can access their TD Bank accounts online through a computer or mobile device to view account information, pay bills, and make transfers.
    3. TD Bank ATMs. TD Bank has a large network of ATMs where customers can withdraw cash, deposit funds, and perform other transactions.
    4. TD Bank Visa Debit Card. Customers can use their TD Bank Visa Debit Card to withdraw cash, make purchases, and access funds at ATMs.

    These tools and resources provide TD Bank customers with convenient and flexible access to their accounts, allowing them to manage their finances on-the-go. However, it's important to always take necessary precautions to protect your financial information and keep your accounts secure.

    TD Bank products

    TD Bank offers a range of financial products and services, including:

    1. Personal Banking. TD Bank offers personal checking and savings accounts, mortgages, credit cards, and other personal banking services.
    2. Business Banking. The bank provides a variety of business banking services, including business checking and savings accounts, loans and lines of credit, and commercial mortgages.
    3. Investments. TD Bank offers investment products and services, including brokerage services, mutual funds, and retirement accounts.
    4. Insurance. The bank offers a variety of insurance options, including auto, home, life, and travel insurance.
    5. Wealth Management. TD Bank provides wealth management services, including investment planning, portfolio management, and estate planning.

    It's important to note that not all TD Bank products and services are available in all areas, and some may have certain restrictions or fees associated with them. To find out more about specific TD Bank products and services, and to determine which options may be right for you, it's best to contact TD Bank directly or visit their website.

    Which associations the TD Bank belongs to?

    TD Bank is a member of the following associations:

    • Federal Deposit Insurance Corporation (FDIC). TD Bank is insured by the FDIC, which provides deposit insurance to protect customers' deposits in case of bank failure.
    • Canadian Bankers Association (CBA). The bank is a member of the CBA, which represents the banking industry in Canada and advocates for public policies that support a strong and stable banking system.
    • The Clearing House (TCH). TD Bank is a member of TCH, a leading interbank payments company that operates one of the largest real-time gross settlement systems in the United States.
    • Financial Services Roundtable (FSR). The bank is a member of the FSR, an advocacy organization that represents the interests of the financial services industry in the United States.

    These memberships demonstrate TD Bank's commitment to industry standards and best practices, and provide additional protection and benefits to TD Bank customers.

    Bank Reliability

    TD Bank is considered a reliable bank and is one of the largest banks in North America. It has a strong financial position and a long history of serving customers. TD Bank is insured by the Federal Deposit Insurance Corporation (FDIC), which provides deposit insurance to protect customers' deposits in case of bank failure. Additionally, TD Bank is subject to strict regulatory oversight and must meet rigorous financial and operational standards.

    However, as with any financial institution, there is always some level of risk involved. It's important to thoroughly research and compare different banks and their products and services, and to consider your own financial goals and risk tolerance before choosing a bank. It's also a good idea to regularly monitor your accounts and take steps to protect your financial information and accounts from fraud and unauthorized access.

    TD Bank vs Wells Fargo

    TD Bank and Wells Fargo are both large financial institutions that offer a wide range of banking and financial services. However, there are some key differences between the two banks that customers may want to consider when choosing between TD Bank and Wells Fargo:

    1. Geographical Presence. TD Bank is primarily located in the northeastern United States and in Canada, while Wells Fargo has a larger presence across the United States.
    2. Products and Services. TD Bank offers a range of personal and business banking services, as well as insurance, wealth management, and investment products. Wells Fargo also offers a range of financial products and services, but may have a more extensive selection of investment and wealth management options.
    3. Fees. TD Bank and Wells Fargo both charge fees for certain services, such as overdrafts and account maintenance. It's important to carefully review the fee schedules of each bank and compare them to determine which bank may be more cost-effective for your specific needs.
    4. Online and Mobile Banking. Both TD Bank and Wells Fargo offer online and mobile banking options, but the features and capabilities of each bank's platform may differ.
    5. Customer Service. TD Bank and Wells Fargo both have large customer service networks, but the quality and accessibility of customer service may vary.

    Ultimately, the best choice between TD Bank and Wells Fargo will depend on a customer's specific financial needs and priorities. It's always a good idea to research and compare multiple banks, and to talk to a financial advisor or representative from each bank to determine which one may be the best fit for your needs.

    TD Bank vs Citibank

    TD Bank and Citibank are both large financial institutions that offer a wide range of banking and financial services. However, there are some key differences between the two banks that customers may want to consider when choosing between TD Bank and Citibank:

    1. Geographical Presence. TD Bank is primarily located in the northeastern United States and in Canada, while Citibank has a larger presence in the United States and globally.
    2. Products and Services. TD Bank offers a range of personal and business banking services, as well as insurance, wealth management, and investment products. Citibank also offers a range of financial products and services, including credit cards, mortgages, and investment options.
    3. Fees. TD Bank and Citibank both charge fees for certain services, such as overdrafts and account maintenance. It's important to carefully review the fee schedules of each bank and compare them to determine which bank may be more cost-effective for your specific needs.
    4. Online and Mobile Banking. Both TD Bank and Citibank offer online and mobile banking options, but the features and capabilities of each bank's platform may differ.
    5. Customer Service. TD Bank and Citibank both have large customer service networks, but the quality and accessibility of customer service may vary.

    Ultimately, the best choice between TD Bank and Citibank will depend on a customer's specific financial needs and priorities. It's always a good idea to research and compare multiple banks, and to talk to a financial advisor or representative from each bank to determine which one may be the best fit for your needs.

    TD Bank vs Bank of America

    TD Bank and Bank of America are both large financial institutions that offer a wide range of banking and financial services. However, there are some key differences between the two banks that customers may want to consider when choosing between TD Bank and Bank of America:

    1. Geographical Presence. TD Bank is primarily located in the northeastern United States and in Canada, while Bank of America has a larger presence across the United States.
    2. Products and Services. TD Bank offers a range of personal and business banking services, as well as insurance, wealth management, and investment products. Bank of America also offers a wide range of financial products and services, including mortgages, credit cards, and investment options.
    3. Fees. TD Bank and Bank of America both charge fees for certain services, such as overdrafts and account maintenance. It's important to carefully review the fee schedules of each bank and compare them to determine which bank may be more cost-effective for your specific needs.
    4. Online and Mobile Banking. Both TD Bank and Bank of America offer online and mobile banking options, but the features and capabilities of each bank's platform may differ.
    5. Customer Service. TD Bank and Bank of America both have large customer service networks, but the quality and accessibility of customer service may vary.

    Ultimately, the best choice between TD Bank and Bank of America will depend on a customer's specific financial needs and priorities. It's always a good idea to research and compare multiple banks, and to talk to a financial advisor or representative from each bank to determine which one may be the best fit for your needs.

    TD Bank vs Capital One

    TD Bank and Capital One are both large financial institutions that offer a wide range of banking and financial services. However, there are some key differences between the two banks that customers may want to consider when choosing between TD Bank and Capital One:

    1. Geographical Presence. TD Bank is primarily located in the northeastern United States and in Canada, while Capital One has a larger presence across the United States.
    2. Products and Services. TD Bank offers a range of personal and business banking services, as well as insurance, wealth management, and investment products. Capital One also offers a range of financial products and services, including credit cards, mortgages, and savings accounts.
    3. Fees. TD Bank and Capital One both charge fees for certain services, such as overdrafts and account maintenance. It's important to carefully review the fee schedules of each bank and compare them to determine which bank may be more cost-effective for your specific needs.
    4. Online and Mobile Banking. Both TD Bank and Capital One offer online and mobile banking options, but the features and capabilities of each bank's platform may differ.
    5. Customer Service. TD Bank and Capital One both have large customer service networks, but the quality and accessibility of customer service may vary.

    Ultimately, the best choice between TD Bank and Capital One will depend on a customer's specific financial needs and priorities. It's always a good idea to research and compare multiple banks, and to talk to a financial advisor or representative from each bank to determine which one may be the best fit for your needs.

    TD Bank

    FAQ

    Who owns TD Bank?

    TD Bank is a subsidiary of the Toronto-Dominion Bank, one of the largest banks in Canada. The Toronto-Dominion Bank is a publicly traded company and is listed on the Toronto Stock Exchange (TSX) and the New York Stock Exchange (NYSE). It is owned by a combination of individual and institutional shareholders, who own shares in the bank through stock purchases on public stock exchanges.

    Is TD Bank a good bank?

    TD Bank is generally considered a good bank by many customers and experts. It has a strong reputation for providing a range of financial products and services, including personal and business banking, wealth management, and investment products. TD Bank also has a large network of branches and ATMs, and offers online and mobile banking options that make it easy for customers to manage their accounts from anywhere.

    However, like any financial institution, TD Bank has its strengths and weaknesses. Some customers may find that TD Bank's fees are higher than other banks, while others may be satisfied with the quality of customer service they receive. Additionally, TD Bank may not be the best fit for customers who have unique financial needs, such as complex investment portfolios or significant borrowing requirements.

    Ultimately, whether TD Bank is a good bank for you will depend on your specific financial needs and priorities. It's always a good idea to research multiple banks and to talk to a financial advisor or representative from each bank to determine which one may be the best fit for your needs.

    Is TD Bank hard to get approved for?

    Getting approved for a TD Bank account or loan will depend on a variety of factors, including your credit history, income, and financial stability. Like any financial institution, TD Bank will assess your creditworthiness and financial stability before deciding whether to approve you for an account or loan.

    If you have a good credit score and a stable income, you may have a higher chance of being approved for a TD Bank account or loan. However, if you have a lower credit score or limited income, TD Bank may be less likely to approve you for an account or loan.

    It's also important to note that TD Bank may have specific requirements or guidelines that you'll need to meet in order to be approved. For example, TD Bank may require a minimum deposit or credit score in order to open a new account, or may require that you have a certain level of income in order to qualify for a loan.

    Ultimately, the best way to determine whether you'll be approved for a TD Bank account or loan is to talk to a TD Bank representative and provide all the necessary information and documentation. They can help you understand what you'll need to do in order to increase your chances of being approved.

    What did TD Bank get in trouble for?

    TD Bank has faced several legal and regulatory issues over the years, including settlements and fines related to various financial and consumer protection regulations. Some examples include:

    1. Anti-Money Laundering (AML) Violations. In 2014, TD Bank agreed to pay a $52 million fine to the U.S. government for failing to implement an effective anti-money laundering (AML) program, which is designed to prevent the use of the bank's services for illegal activities such as money laundering and financing of terrorism.
    2. Unfair Overdraft Practices. In 2011, TD Bank agreed to pay $62 million to settle allegations that it engaged in unfair overdraft practices, such as reordering transactions to maximize overdraft fees.
    3. Consumer Protection Violations. In 2017, TD Bank agreed to pay a $9 million fine to the Consumer Financial Protection Bureau (CFPB) for allegedly deceiving customers about the cost of its deposit advance products, which are similar to payday loans.

    It's important to note that these legal and regulatory issues are not representative of TD Bank as a whole, but rather reflect specific incidents or practices that were found to be in violation of financial or consumer protection regulations. TD Bank has since taken steps to address these issues and improve its compliance and risk management processes.

    As with any financial institution, it's always a good idea to research and compare multiple banks before making a decision, and to regularly review your accounts and transactions to ensure that your money is being handled appropriately.

    Company documents

    What Do The TD Bank Companies Do With Your Personal Information?
    Terms of Use

    Because it's you—and all the rest of our customers, colleagues and community members—who inspire us to do what we do. We're so glad you're here.

    © TD Bank
    Financial products
    TD Bank
    TD First Class℠ Visa Signature® Credit Card®
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    TD Bank
    TD Business Solutions Credit Card®
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    TD Bank
    TD Double Up℠ Credit Card®
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    Rating by Finanso®
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    Rating by Finanso®
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    Rating by Finanso®
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    Rating by Finanso®
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    TD Bank
    TD Fit Loan
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    Recommended FinScore™
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    650
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    $2,000-$50,000
    Rate
    i

    Effective interest rate on the product

    6.99%–21.99%
    Term
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    Loan term for the financial product

    36-60 months
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    TD Bank
    Medical Professional mortgage
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    TD Bank
    FHA mortgage
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    TD Bank
    VA mortgage
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    Term
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    Loan term for the financial product

    30 years
    TD Bank
    Jumbo loan
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    $726,200
    TD Bank
    Construction mortgage
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    TD Bank
    Adjustable-Rate Mortgage
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    Rate
    i

    Effective interest rate on the product

    6.00 – 6.63 %
    Term
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    Loan term for the financial product

    5 years – 10 years
    Rating by Finanso®
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    Recommended FinScore™
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    Rate
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    Effective interest rate on the product

    5.12 – 6.00 %
    Term
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    Loan term for the financial product

    10 years – 30 years
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    Rate
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    Effective interest rate on the product

    18.24 – 28.24 %
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    Recommended FinScore™
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    Effective interest rate on the product

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    Effective interest rate on the product

    19.24 – 27.99 %
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    Recommended FinScore™
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    300
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    Effective interest rate on the product

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    Recommended FinScore™
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    300
    650
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    Rate
    i

    Effective interest rate on the product

    19.24 – 29.24 %
    Best Quick Loan Today 12.04.2024*
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    Recommended FinScore™
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    650
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    100.00 – 20000.00 $
    Rate
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    Effective interest rate on the product

    from 0.05 %
    Term
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    Loan term for the financial product

    5 days – 3 months
    Rating by Finanso®
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    Recommended FinScore™
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    300
    650
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    100.00 – 4000.00 $
    Finanso
    Personal Loans
    Rating by Finanso®
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    Recommended FinScore™
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    300
    650
    1000
    2000.00 – 100000.00 $
    Rate
    i

    Effective interest rate on the product

    6.34 – 35.89 %
    Term
    i

    Loan term for the financial product

    2 months – 72 months
    Rating by Finanso®
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    4.25
    (20 Ratings)
    Recommended FinScore™
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    $500-$4,000
    Rate
    i

    Effective interest rate on the product

    up to 160%
    Term
    i

    Loan term for the financial product

    9-18 months
    Rocket Mortgage
    30-Year Fixed
    Rating by Finanso®
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    The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

    Recommended FinScore™
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    300
    650
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    Rate
    i

    Effective interest rate on the product

    6.00 – 6.28 %
    Term
    i

    Loan term for the financial product

    5 years – 30 years
    Mariner Finance
    Home Refinance
    Rating by Finanso®
    i

    The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

    Recommended FinScore™
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    300
    650
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    up to $1,500,000
    AmeriSave
    Mortgage
    Rating by Finanso®
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    The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

    Recommended FinScore™
    0
    300
    650
    1000
    from $50,000
    Rate
    i

    Effective interest rate on the product

    from 5%
    Term
    i

    Loan term for the financial product

    up to 30 years
    New American Funding
    30 Year Fixed Mortgage
    Rating by Finanso®
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    The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

    Recommended FinScore™
    0
    300
    650
    1000
    from $50,000
    Rate
    i

    Effective interest rate on the product

    from 5%
    Term
    i

    Loan term for the financial product

    up to 30 years
    PennyMac
    Home Purchase Loans
    Rating by Finanso®
    i

    The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

    Recommended FinScore™
    0
    300
    650
    1000
    from $50,000
    Rate
    i

    Effective interest rate on the product

    from 3%
    Term
    i

    Loan term for the financial product

    up to 30 years
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