TD is the worst bank I've ever had the experience ...

TD is the worst bank I've ever had the experience of dealing with. I've been a customer for 14 years and I was never treated as such. There were no relationships built despite trying to visit the same bank frequently. I was just someone that got pushed around because I'm in my twenties.

Even in the main branch of Toronto, when I threatened to switch banks, the manager unflinchingly told me to, "Go ahead." -Hitesh Anand.

Top notch customer service.

As a business owner that takes on multiple single-job contracts from different clients, I receive my income in varying amounts from several sources. When I opened up a business account, I expected there to be a difference in the way holds were placed on deposits from personal accounts. Not here! The ONLY WAY for funds to not be held for 5 business days is to either get a wire transfer, or have it be a regular payment - as if it were a bi-weekly paycheque.

Ignoring the first option because it's an inconvenience for clients, for the former - what free agent receives regular income from a source? That would be working for someone, not owning your own business. I have recieved multiple payments in the same amount from the same client a few times, but in no case was my money cleared right away because it wasn't "regular enough."

It gets worse. After months of constantly being inconvenienced by this, I asked my client to write me a bank draft. I took it to my regular bank, and they held it because they said it might be fake. I asked if there was anything they could do and after an hour of hearing nothing, he said he'd fax the branch that issued the draft. When I came in the next day to check on the progress, the manager was not in, and didn't return my calls for 2 days. I kept calling every day until he finally let it clear ONE DAY EARLY.

I should have switched banks at this point, but I figured I'd try to get the next portion of that payment as another bank draft - and maybe if I went to the same manager he would remember the last time and let it go. Was this the case? Of course not. I ask what I can do: call my client, call his bank rep, get a receipt of the draft? I was told if I did all three they *might* do it. I really needed the money, as did my employee, so I spent $100 in cabs getting all this stuff to get it in before the bank closed. After all of that, I still had to spend an hour arguing over it and it was all for nothing.

Again, treated like a nobody while you take my money.

I've even brought checks written out by Scotiabank themselves, and because they're
never the same amount they never clear.

I went to RBC today... and within 10 minutes I had an account, a representative that will personally look after my account and anything I need, and more importantly I deposited a cheque THE SAME DAY I MADE AN ACCOUNT AND IT CLEARED.
TD Bank is terrible and I will never recommend anyone do business with you, nor will any of my other businesses and partners ever open an account with you. This post is just the beginning of my complaint.