Average User Rating:Based on 13 user reviews.
TD Bank, National Association
TD Bank, National Association Locations| 2035 Limestone Road Wilmington, DE 19808 888-751-9000 www.tdbank.com  |
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TD Bank, National Association is headquartered in Wilmington and is the 2nd largest bank in the state of Delaware. It is also the 10st largest bank in the nation. It was established in 1852 and as of September of 2011, it had grown to 26,146 employees at 1,305 locations. TD Bank, National Association's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.
Related Posts
New And Higher Fees At TD Bank (Forum) - 11/3/2011
TD Bank informed customers of new and higher bank fees. This CNNMoney.com article reports on these fees that take effect in December: Receiving a wire transfer will now cost $15, up from $10. Getting a certified check will come with an $8 fee, up from the
How Canada's TD Bank Is Invading U.S. Market (Forum) - 8/16/2011
From the Wall Street Journal: Toronto-Dominion Bank has quietly launched an assault south of the border, hungry for growth opportunities that have dried up in its home country. One thing I've noticed about TD Bank is that they sure are doing a lot of a
New ATM Fees for TD Bank Checking Accounts - Tips to Avoid ATM Fees - 2/19/2011
One of the few large banks that had been offering free ATMs for their basic checking accounts is TD Bank , but this will be coming to an end. Blaming new regulations, many of the large banks are intro ...
Free Flip Ultra Camcorder - TD Bank Checking Account Promotion - 4/25/2010
TD Bank is offering an Flip Ultra Camcorder when you open a checking account, make 8 debit card purchases and use online bill pay 2 times within 45 days of account opening. The expiration date is Jun ...
2009
See Rates for: Checking | Savings | Money Market | CD | IRA
TD Bank, National Association Checking Account Rates
TD Bank, National Association Savings Account Rates
| Apy | Min | Max | Product | |
| 0.75%† | $250k | - | TD High-Yield Savings W/ TD Bank Checking | |
| 0.55%† | $10k | - | Health Savings Account | |
| 0.50%† | $250k | - | TD High-Yield Savings W/O TD Bank Checking | |
| 0.05%† | - | - | Convenience Savings | |
| 0.05%† | - | - | Young Saver | |
| 0.05%† | - | - | Club Saver | |
| 0.05%† | - | - | Holiday Club | |
| 0.05%† | - | - | Convenience Savings IRA | |
| 0.05%† | - | - | Small Business Savings |
TD Bank, National Association Money Market Rates
TD Bank, National Association CD Rates
| Apy | Min | Max | Product | |
| 1.40%† | $5k | - | 5 Year Business Basic CD | |
| 1.03%† | $250 | - | 5 Year Step Rate CD | |
| 0.55%† | $250 | - | 3 Year Step Rate CD | |
| 0.40%† | $250 | - | 11 Month Basic CD | |
| 0.40%† | $5k | - | 18 Month Business Basic CD | |
| 0.30%† | $250 | - | 6 Month No Catch CD | |
| 0.30%† | $25k | - | 11 Month TD Bank Business No Catch CD | |
| 0.25%† | $5k | - | 91 Day Business Basic CD | |
| 0.25%† | $5k | - | 9 Month Business Basic CD | |
| 0.20%† | $250 | - | 12 Month No Catch CD | |
| 0.20%† | $25k | - | 9 Month TD Bank Business No Catch CD | |
| 0.15%† | $25k | - | 5 Month TD Bank Business No Catch CD | |
| 0.10%† | $25k | - | 3 Month TD Bank Business No Catch CD |
TD Bank, National Association IRA Rates
Rates updated: 2/8/2012
Data for Q3 2011
TD Bank, National Association consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:
18409 - TD Bank, National Association
33947 - TD Bank USA, National Association
Institution Statistics
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Institution Health
Overall Score:
5 out of 5 
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Bank Refuses To Give You Your Own Money Back
- mymoney82 - Wednesday, December 28, 2011 - 8:44 AMWe have spent The last 6 months trying to get our money back from this bank only to be lied to and given the run around. We sent an official bank check to pay an out of state bill and the check never reached it's destination. We waited the appropriate 90 days to file the right paperwork so we could get our money back. After waiting 2 weeks we we're told the money was pending in our account so we waited an additional 2 weeks and the money was still pending. After calling the bank to find out what happened they told us that they would send us a check. We waited another 3 weeks no check. We then started dealing with the branche's bank manager who gave us a bank gift card only to find out there was no money on the gift card. We we're then told they we're "investigating" where the money went. We are still waiting and now have contacted the occ and attorney general who have both told us that this particular bank does not feel they are responsible for replacing their own official bank checks.
4
TD Bank - The Bank Of FEES
- Jul - Friday, April 22, 2011 - 6:56 AMWhen I first opened my account I was told it was a free checking account. I quickly learned that it is "free" unless your balance is under $100 during any point in your statement cycle. I've incurred this $15 fee a few times because I use my TD bank account as an extra account. I have automatic deposit set up which always covers in the event that my balance is under $100 but that does not matter at this institution. Even if your ending balance is over $100, you will get a $15 fee for going under during statement cycle. I also have a shared account with a family member which has a nice balance. When I called to speak with customer service I was told I could change my checking account to one that will only charge $3.99/mo. Are you out of your mind? I will not give 4% of my account to anyone, I'd rather take this account to PNC with my other accounts. I really felt this need to write this review for people who live paycheck to paycheck and would be greatly affected by the $15 fee. My suggestion is to go to your nearest PNC bank and open an account with them. I've had PNC for 4 years and I have never had any issues.
4
They Pride Theirselves In Having Legendary Service, But They Are On Average Typical
- mac2010 - Saturday, September 25, 2010 - 10:18 PMTD Bank claims they can charge higher fees since they have legendary service, but the only justification I see is the longer hours than other banks. Even then, some of my community banks offer longer hours comparable to TD Bank's hours and provide much better account pricing (higher deposit rates, lower loan rates, lower fees). The quality of the employees range quite a lot. Some of them provide helpful advice, while some of them tell me stuff that I know is incorrect or does not make sense. My point is, there are better choices out there. Some of their stores may give doggie treats for those who have dogs, but that's all I really find that is different. Well, there are community banks that offer free k cup coffee as well as much better account pricing.
4
WORST Costumer Service...They Steal Your Money After You Close An Account!
- MrJosh - Tuesday, November 22, 2011 - 3:48 PMFirstly, they nickel and dime you with all these little hidden fee's and surcharges they don't bother telling you about.
Secondly, I made an online payment and closed my account the following week after it was shown my payment had gone thru. Couple weeks later I'm getting calls from my credit card company informing me I never made my payment. Turns out TD BANK has this ludicrus rule whereas if you close your account within so many weeks of making any online payments they hold those funds in limbo. Of course they never told me this, or bothered to tell me how to get my money back.
I was promised I'd recieve a check in the mail for my money they stole. Never came. After 6 phone calls and being put on hold for over an hour, I'm still waiting to find out where the hell my money is.
The people who work at the call centers are polite, but are as thick as two planks. One hand doesn't know what the other hand is doing.
This is America's most UN-convienant bank...I'm pretty sure that sign in the lobby is just covering up a hole in the wall.
AVOID AT ALL COSTS!
3
Poor Service
- mags - Wednesday, March 16, 2011 - 7:42 AMWith a Relationship Account requiring a combined balance of $20,000, they claim to reimburse ATM fees charged by other banks if they're used. I've used it 3 times so far and in none of these instances did I receive a reimbursement. The first time, I was told that I had to withdraw from my checking account rather than savings. This was never disclosed before. Then the next 2 times, I am not sure why I was not reimbursed! After learning that I had to withdraw from savings, I did that. I keep a min. balance of $20,000 also. I inquired twice and was told someone would look into it but I never received any follow-up. That is another issue. In a few instances, I would be told that someone would call me. These were separate items and there was no follow-through on their end. I have not been pleased with their service at all.
3
TD Bank NOT America's Most Convenient Bank
- jc76 - Tuesday, March 8, 2011 - 10:59 AMMy father passed away at the end of last year. He had a loan with TD bank that he paid off, and therefore a zero balance. I just received a bill of his with a $20 annual fee. When I called to close the account and have the $20 taken off they wouldn't talk to me unless I send them all kinds of crap. REALLY?! It's $20!!! Plus, I'm trying to CLOSE the account not use it. Thank you TD bank for making an already very emotional and difficult time that much harder! I wouldn't bank with them if they were the last place I could go to save myself from dying.
3
General Banking Experience
- HG1 - Thursday, December 30, 2010 - 4:47 PMI have an account at TD Bank and my experience at the branch at Hempstead Turnpike and Merrick Avenue in East Meadow has always been pleasant. The tellers are pleasant and the platform staff, professional and helpful.
In NYC where I worked up until April of 2010, I thought the Harlem Branch was not adequately staffed. The lines were too long. If many customers are like me, they scramble to the bank at lunch hour to make a transaction; waiting upwards of 10 minutes for service is not acceptable. It may be wise to consider ramping up staffing during this time slot so as to alleviate overcrowding. Nevertheless, even at this branch, the staff exhibits good proffessionalism.
3
Bad Break Up
- sinderella - Saturday, November 5, 2011 - 4:33 PMI feel like I just can't trust this institution with my hard earned money. Rude customer service representatives. Not to make a blanket statement, because I have had a few genuinely nice reps... but the few are FAR BETWEEN. Their rediculous "over-draft" fees drained my life's savings. I'm a student and a waitress that works over 40 hours a week and maintains a B+ average. My money may not be much, but I work damn hard for it. I have absolutely no interest in investing my future earnings with this joke of a bank. I've gotten the impression that they do NOT value their patrons. So, little do they know... my small earnings will not be the only account they will be losing. I just so happen to have friends and family that have had similar experiences. We are sincerely offended by you TD Bank. Our relationship is over and I am left hurt, penniless and avidly effected. I feel a little bit lost and confused. This was my first bank... will I ever use a bank again? Who can I trust. This has been nothing but a bad break-up. If you were a man: then this lover's tale will end with a vintage "oldie but goodie" slap in your face! Your a bounder and a cad I will huff as I make my dramatic exit.
2
Bank Refused To Add Me On My Husband's Account
- trimax - Thursday, May 12, 2011 - 10:15 PMYesterday my husband added me on his TD Bank account in Tenafly, NJ however Robert Pease, the Assistant Manager never gave us any copies of our new paperwork. When I asked him for copies he said that he had another customer and apologized for his bank teller's behavior from the previous day in which she was innapropriately loud with my personal information in the bank. Today, he called me up and told me that he canot add me on my husband's bank account even though he requested this and we already signed the paperwork. He gave no reason as to why and told me that his Manager was not in or able to speak to me.
2
Reliable Bank!!
- market - Thursday, July 15, 2010 - 4:59 PMThe bank is open seven days a week which is a major plus. During the week, I work a lot so having the weekends to run banking errands are a sinch. Their customer service is also very helpful. After finding some unauthorized charges on my account and I called them immediately and they told me what I needed to do and I had a new account number and card within a week. They are situated in convenient locations nearby from home, which is also a major plus. All in all, I find this bank to be meeting my needs.
2
Tdbank - Advantages And Disadvantages
- lowchecking - Sunday, June 5, 2011 - 5:58 AMThe advantages of TDBank are: it is open seven days a week and closes later than other banks, and it offers a checking account with a minimum balance of $100 without monthly fees. The disadvantages are: there aren't as many branches, so it's harder to find an ATM (this is changing, as the bank grows and grows), and I personally prefer the online interface of CHASE and Citibank. Also, the main reason I had originally signed up with this bank is now obsolete. TDBank used to not charge you to use other banks' ATM's. I felt that this was really humane, as banks are really trying to get over now, just like the airlines. Unfortunately, TDBank is like all other banks now in this respect. Incidentally, TDBank is somewhat connected to TDCanadaTrust, so you can use each bank's ATM's without extra charge while in the U.S. or Canada. The connection stops there, though, as Canada's strict banking laws make it impossible to link your accounts between the two countries. I had really bad experiences banking in Canada; a U.S. check takes a month to clear. I think this must apply to all Canadian banks, though. TDBank is known for its free pens and lollipops, as well as a machine you can put all of your pennies into.
1
Surprise Fees And No Options
- pandora - Monday, August 23, 2010 - 8:45 AMI recently closed an account with this bank because of a surprise fee they tacked on. I had a simple checking account with TD that had a very low balance as it was not my primary account. I got my latest statement the other day and noticed a $15 maintenance fee. When I called to find out what this was for, I was met with a very nasty lady who told me that I should have read the pamphlet over a year ago. I was told that for the first year the checking account was free, then after that, if you don't keep a certain balance, you are charged $15 per month. I closed the account as soon as I found out about this. How can they get away with charging me for not having a certain amount in there?! It's as absurd as the $35 per item charge for not having enough money in the account to cover for the charge.
And that brings me to no options. I was never asked if I wanted to opt in or out of the overdraft protection services they offer. I also have an account with Sovereign bank and every time I called or went on their website I was asked if I wanted to opt in to the service. I stated no since I'd rather have my card declined than to pay the fees. TD does not do this and automatically opts their customers in. Over the course of one year this bank has made over $5000 from my husband and me in overdraft fees. That's more than some of my friend's paychecks who work part time in retail!
1
TD Bank Used To Be Good
I have always loved my local bank, which was Commerce Bank of NJ, PA, NY and FL. Very friendly and understanding customer service reps on the phone, and the people at the bank branch. When TD Bank ,NA announced they're acquiring Commerce in late 2007-2008, i thought things will be better for Toronto-Dominion Bank. There are much more branches now...ME, VT, NH, MA, CT [mostly from TD BankNorth], NY, NJ, PA, DE, MD, D.C., VA, and FL. Along Route 1 from MA to FL, you will find serveral TD Bank branches. Within each county, you can find numerous branches. Each branch looks pretty much the same box bank.
Some areas that you may find advantageous or disadvantageous to TD Bank Personal Consumer Accounts:
Official Checks $4 fee; Gift Cards (visa) avail $25-$500 amounts $nofee; Incoming Wire (domestic & international) Free; Outgoing Wire-dom=$15; Outgoing Wire-int'l=$35; Stop Payment or ACH Revocation per item $25; Savings OverDraft Protection Transfer Fee (per daily transfer)=$5; Returned/Paid Item (NSF, Unavailable, Overdraft of savings or checking), per item=$35 (this fee applies to a max of 5 items per day per account); Cashed or Deposited Item Returned (per item)=$15; Sustained Overdraft Fee will be applied on the 10th consecutive business day of overdraft status=$20; Levy/Legal Order=$125; Safe Deposit Drilling=$150; Safe Deposit Lost Key=$25; Coin counting and Penny Arcade= free; Statements with check copies and/or deposit slips only=$5 each; Statements with check copies and deposit reconstructions=$25 each.
The drawbacks: AND THEY'RE BIG!
ValueChecking: no min bal; but each month they charge $3 +0.5 per check after first 8 per statement.
ConvenienceChecking: no min 1st 12 months; then $100 to avoid $15 monthly fee!
StudentChecking: awesome; no min, no fee.
PremierChecking: $2,500 min balance, and $25 fee per month if you dont maintain min bal.
RelationshipChecking: $20,000 combined deposit and/or outstanding loan balance (excludes mortgages) min.; else, $25 fee per month.
Personal Account Agreement states that they may accept, pay or charge to your account any item IN ANY ORDER THEY CHOOSE. This allowed them to process large $ amounts first, followed by ATM and debit card transactions as last. And, if you were short, overdraft fees kick in for each transaction that put you more negative. This was as of 06/2010 agreement.