TD Canada Trust Branch and ATM — Local services in Toronto

Update: May 5, 2024. Still "Temporarily out of service"

Why does Toronto Dominion Bank have no open “after hours” ATMs on Bloor Street in Toronto? Your bank is named after this city, shouldn’t you try to serve it better? This sign, photographed at 733pm on July 12th 2023, was posted at the TD branch at 77 Bloor Street West, a major TD location at Bay and Bloor Street. This location has undergone many upgrades and renovations over the past decade, but what improvements can TD customers expect? This sign suggests that TD customers use alternate locations 30 walking minutes east or 42 walking minutes south of this locked location. I have been a customer since 1989 and have never felt so underserved by TD.

According to Wikipedia, “Bloor Street is a major east–west residential and commercial thoroughfare in Toronto, Ontario, Canada.” If the ATM at Bloor and Yonge is out of service and the ATMs at Bloor and Bay to the west and at Bloor and Sherbourne to the east are both closed after hours, then how is the Toronto Dominion bank servicing its Toronto customers on this major Toronto street near the major cross streets of Yonge and Bay? Residential real estate listings in Toronto boast of locations "steps to Bloor-Danforth Subway", yet what is there to boast about for TD customers on Bloor Street if their Green Machine ATMs at Yonge and to the east (Sherbourne) and west (Bay Street) are either locked after hours or out of service? This dense commercial/residential stretch of Bloor Street has become a dead zone for Green Machine after hours access. Why?

Update: Since my initial review a year ago, the ATM at the Toronto Dominion Bay Street location has continued to disappoint in 2024, with observed outages on specific dates: April 7, April 14, and April 21. This pattern of unreliability has persisted despite previous feedback, affecting TD customers who frequent this vital commercial zone in Toronto. Given that the bank is physically closed 66% of the week, it is critical for the ATM to be functional during these off hours. The recurring unavailability, especially on these recent consecutive weekends, underscores the need for TD to address and rectify these service interruptions promptly to better serve its customers when the bank itself...

Just wanted to voice my dissatisfaction with my whole experience setting up my first (and last) credit card with TD. TD is one of the few Canadian banks I have yet to have any banking products with, but due to its recent Aeroplan visa promotion I applied for their card. Not only did the card take a month to get in, when I went to pick it up at the branch, the clerk (?Okolode) did not seem to know how to complete the most menial tasks (he took almost half an hour just trying to find the card in the first place). After I requested to set up my PIN and activate my card there (to save time), he seemed confused by this request and needed to chat with his colleagues a few times. So after it was done, I made sure to re-confirm with him that my card is indeed activated and ready to use. He said it was.

My card was subsequently declined twice (once at a restaurant with friends, embarrassingly). I tried to set up online access, but apparently I needed an "access card", which I assumed was something only those who bank with TD have (the easyweb portal did not clarify). I tried downloading their app to no avail as well. I then called the help line, and the gentleman there revealed that my card was never actually activated at the branch. He also revealed that in terms of gaining online access, I would have to go to a branch AGAIN - that he couldn't do this for me over the phone, and I couldn't just do it myself either.

This has honestly been the most tedious process of setting up a credit card I have ever had to go through. And if the process requires all these things to be done in-person, you would think the clerks would be properly trained to complete all this on the spot when a client goes to pick...

The worst experience. I went to meet a mortgage advisor to see what options I have. I said I didn’t need to buy a condo right now, but I was hoping to get some consultation for my future. A woman mortgage advisor - who didn’t even introduce herself - came to see me. We sat down and discussed my financial situation. FYI, I love what I do for a living but my income isn’t that high, and the covid restrictions during the past couple years made my situation even worse since I work for one of the most impacted industries. I explained it all and said, I just wanted to know what I should prepare to get a good mortgage because I just started to plan for buying my own place. And she explained how I am not enough. Sure, it’s her job to evaluate my finances, but her judgemental attitude that showed she didn’t want to talk with me anymore made me upset. She even said, “…if you get a better job?…” I was lost for words, I felt terrible. Did I just come to hear this? Changing and getting a better job? I studied for years to get this job and I never complained about my work. I can’t write down all of the talk here, but her word choice was totally showing her lack of empathy. Simply rude. She definitely made me feel worthless. All I wanted to know was some feasible plans that I could prepare for my future, but she just ruined my whole day. What a communication skill. Regardless of my financial background, I was sick of being disrespected.

To be fair, the other employees I’ve met here were all nice...