TD Canada Trust Branch and ATM 15 York Street Old Toronto

I recently visited a TD Bank branch to deposit a cheque and had a deeply frustrating experience. The manager decided to place a hold on all or part of the funds—not based on any clear policy, but seemingly based on personal judgment and appearance. It felt like I was being judged by how I look or my ethnicity, which is unacceptable. TD Bank claims it’s to “prevent fraud,” but the truth is they have all the tools to verify the cheque quickly. They have the phone number of the person who issued the cheque, they have my Social Insurance Number, my phone number, my address, and even the details of both banks involved. Still, they force people to wait five to six business days to access their money. It seems more like an excuse to hold your funds so they can use your money internally while you wait. That’s not protection—it’s a delay tactic. The worst part is the judgmental discretion individual managers are allowed to exercise. This needs serious attention. In countries like Mexico, Braz

Ms. Hosanna in the branch was extremely nice and helpful. She cares for whoever walks in and is professional with her work. This branch is easy for me to go to since I live near it.

I spoke with Sophia today. Even though I wasn’t a client, she was extremely helpful, gave me an honest opinion, and guided me in the right direction. If I ever decide to become a client, TD is definitely my number one choice now.

New customer. I made an appointment online to set up a bank account here and the process was very simple and straightforward. Maybe it's because I already knew what I wanted. Maybe they are just very efficient in setting up bank accounts. I don't know. Either way, I was in and out in 30 minutes. I was told they didn't have any small safety deposit boxes available at the branch, but I could go to another branch to set that up or to go to the TD headquarters down the street. Overall, an excellent branch.

I had an outstanding experience thanks to Prethi. I was dealing with a frustrating credit card issue, and she went above and beyond to resolve it quickly and professionally. Prethi took the time to listen, explained every step clearly, and didn’t stop until the problem was fully fixed. Her knowledge, patience, and genuine care for her clients truly set her apart. TD is lucky to have her!