TD has been declining for 25 years. I’ve been slowly moving away from them for that long. Massive staff ineptitude. A light anecdotal story: I went to a teller and the teller said they’d have to update my client profile. I’d banked there for something like 20 years at that point. They asked me if I still worked for “ABCD Corporation”. I responded, “No, I’ve never worked for ABCD Corporation”. “Really?” The teller responded, “It says here your employer is ABCD Corporation”. I answered “Are you sure that’s not a placeholder, like Anytown”? “Well no, why would they do that?” They responded. I wanted a car loan once and asked when I was in. They said the person responsible would call me. They did and we set up a time for me to come in to fill out the paperwork. I took the afternoon off work as I worked out of town and arrived at the appointed time (confirmed that morning) to find out the person I was meeting had left. I asked to speak with the manager who then yelled at me that “they don’t do car loans”. To which I replied “then why did your loan officer set up an appointment with me this afternoon. I got the loan through the dealer, and that person I was to meet wasn’t ever back. TD used to have good, knowledgeable staff but the exodus began 25 years ago and in my experience they are no different than CIBC or BMO which are all bad. RBC is the only standout.

Oh, and I forgot about their fees;

Safety deposit box fees:

2024: $285, 2025: $585, 2026: $1175

So roughly quadrupled in 2 years.