TD Bank operates as one of the largest banking institutions in the United States, headquartered in Cherry Hill, New Jersey, with over 1,100 branch locations and extensive ATM access across the Eastern United States and beyond, serving over 8 million personal and business customers through comprehensive personal banking, mortgages, credit cards, loans, and industry-leading digital banking innovation. Known as “America’s Most Convenient Bank®” for its extended branch hours and weekend banking availability, TD Bank combines traditional community banking with modern digital banking through its award-winning mobile app, Zelle person-to-person payments, and 24/7 customer support—though 2026 brings renewed focus on compliance and regulatory oversight following significant money laundering and anti-money laundering (AML) control failures in 2024. Whether you’re searching for TD Bank login instructions, trying to locate a branch “TD Bank near me,” understanding hours of operation and when locations are open/closed, comparing CD rates with competitors, exploring credit card rewards, or evaluating whether TD Bank is a good banking choice in 2026, this comprehensive guide covers everything you need to know about banking with TD Bank—from digital access and branch locations to product offerings, compliance status, and honest customer perspectives.
What You’ll Discover: This authoritative guide explains TD Bank from every angle — the bank’s position as a major U.S. national bank with 1,100+ branches and extensive ATM access, complete login guide for TD online banking (td.com) and mobile app with biometric security, detailed step-by-step Zelle enrollment for person-to-person payments, comprehensive hours of operation (typically 8:30 AM – 5/6 PM weekdays, 9 AM – 1 PM Saturday, 11 AM – 3 PM Sunday at select locations), 2026 holiday closures, customer service contact information (1-888-751-9000 available 24/7 with reported 1.3/5 satisfaction rating), TD Bank CD rates (1.00%-5.00% APY depending on term and relationship status, up to $250 minimum deposit), mortgage options, credit cards with updated 2026 rewards categories (groceries, gas, EV charging, public transit), business banking, Zelle integration, FDIC insurance protection, honest assessment of 2024-2025 compliance challenges (including $3.09 billion in penalties, employee bribery issues, money laundering failures), detailed customer reviews (mixed satisfaction), competitive comparison with Chase, Bank of America, Wells Fargo, and US Bank, detailed pros and cons, ideal customer types, and comprehensive FAQ answers addressing all required questions. Whether you’re a current TD Bank customer, considering opening an account, or evaluating digital banking options, this guide provides authoritative information about banking with TD Bank in 2026’s regulatory and economic climate.
What Is TD Bank? Overview for 2026
TD Bank is one of the largest banking institutions in the Eastern United States, headquartered in Cherry Hill, New Jersey, with over 1,100 branch locations serving 8+ million personal and business customers through comprehensive personal and business banking, mortgages, credit cards, and digital banking services. The bank is a subsidiary of Toronto-Dominion Bank, a major Canadian financial institution, giving it access to international banking resources and stability.
Banking Heritage & U.S. Market Position
TD Bank’s presence in America reflects decades of banking consolidation and growth:
- Operating Since: 1855 (170+ years of banking heritage through various predecessor banks)
- Current U.S. Headquarters: Cherry Hill, New Jersey
- Parent Company: Toronto-Dominion Bank (Canada) — NYSE: TD, TSX: TD
- U.S. Branch Network: 1,100+ locations across Eastern U.S. and select markets
- Market Presence: Strongest in Northeast (New York, New Jersey, Pennsylvania, Connecticut), expanding Mid-Atlantic
- Digital Leadership: Award-winning mobile app, Zelle integration, 24/7 online banking
- Regulatory Status: FDIC member; under enhanced regulatory scrutiny as of 2025-2026
What Makes TD Bank Distinctive
Extended Hours Advantage: 8:30 AM – 5/6 PM weekdays, 9 AM – 1 PM Saturday, 11 AM – 3 PM Sunday (select locations) — extended vs. industry standard 9-5
Digital Innovation: Award-winning mobile app with mobile check deposit, Zelle payments, bill pay, real-time alerts, and security features
Convenience Banking: Focus on branch accessibility and extended hours earning “America’s Most Convenient Bank®” positioning
Competitive Products: Mortgages, auto loans, credit cards with rewards, savings and checking accounts, business banking
Current Financial Profile (2025-2026)
| Metric | Details |
|---|---|
| Total U.S. Assets | $150+ billion (TD Bank U.S. division) |
| Branches | 1,100+ nationwide (concentrated Northeast) |
| ATMs | Extensive network plus ATM partnerships |
| Customers | 8+ million personal and business |
| Employees | 25,000+ in U.S. operations |
| FDIC Insurance | Member FDIC (deposits protected up to $250,000) |
| Stock | Parent company NYSE: TD, TSX: TD |
| Mobile App Rating | 4.3-4.5 out of 5 stars |
2024-2025 Regulatory Context (Important for 2026 Banking Decision)
In October 2024, TD Bank faced significant regulatory penalties and compliance failures that customers should understand when choosing the bank in 2026:
Financial Penalties:
- Total Penalties: $3.09 billion imposed by U.S. regulators (FinCEN, DOJ, Federal Reserve, OCC)
- Largest BSA Penalty: Record fine for money laundering and anti-money laundering (AML) program failures
- Guilty Pleas: TD Bank pleaded guilty to conspiracy to launder money and AML program violations
Compliance Failures Identified:
- Failed to implement adequate anti-money laundering controls
- Allowed $1.5 billion in suspicious transactions to go unreported to regulators
- Facilitated $400+ million in narcotics trafficking money laundering (2017-2021)
- Failed to detect and prevent employee corruption (employee bribery cases)
- Inadequate monitoring of peer-to-peer payments (Zelle, Venmo) for human trafficking indicators
- Poor controls over “funnel accounts” used for illicit finance
Employee Corruption:
- In 2021, a TD Bank employee facilitated money laundering in exchange for bribes
- Employee opened shell company accounts used for millions in suspicious transactions
- Regulators noted TD failed to detect these red flags despite risk indicators
Regulatory Actions for 2026:
- TD Bank mandated to appoint external compliance monitor
- Asset growth restrictions imposed (bank cannot grow as fast as competitors)
- Enhanced regulatory oversight and reporting requirements
- Ongoing investigations into senior management accountability
What This Means for 2026 Customers:
✅ Positive: Enhanced compliance monitoring may reduce future illicit activity risk
✅ Positive: Stricter controls protect legitimate customers from unwitting involvement in financial crimes
⚠️ Neutral/Negative: Slower innovation due to compliance focus and asset growth caps
⚠️ Neutral/Negative: Reputational damage may reduce competitive advantage vs. other major banks
Banking Decision Takeaway: TD Bank remains FDIC-insured and financially stable, but 2026 customers should be aware of recent compliance failures and ongoing regulatory scrutiny. For conservative customers prioritizing regulatory stability, competitors like Chase or Bank of America with better compliance records may be preferable.
TD Bank Login — Complete Online Banking Access Guide
TD Bank provides 24/7 secure access through its online banking portal and award-winning mobile app (4.3-4.5 star rating).
How to Log Into TD Bank Online
Step-by-Step Instructions:
Step 1: Visit TD Bank Website
Go to td.com/us and click “Online Banking” or “Log In” at the top right.
Step 2: Enter Your Login Credentials
- Username or Customer Number: Your unique TD online banking identifier
- Password: Your secure password established at enrollment
Step 3: Complete Multi-Factor Authentication (if prompted)
Verify through:
- Single-use security code via SMS text
- Voice call with security code
- Security questions about your account
- Mobile app notification approval (if linked)
Step 4: Access Your Dashboard
Once authenticated, you can:
- View all account balances (checking, savings, mortgages, loans)
- Review transactions and pending deposits
- Pay bills and schedule transfers
- Send money with Zelle
- Access credit card accounts
- Set up account alerts
- Manage cards
First-Time Online Banking Enrollment:
- Visit td.com/us
- Click “Enroll in Online Banking” or “New Users”
- Provide account information
- Create username and secure password
- Verify email address
- Set up multi-factor authentication
- Complete enrollment and log in
TD Online Banking Features (2026 Updates)
2026 enhancements to TD online banking:
Bill Pay:
- Pay any bill to anyone in the U.S.
- Set up recurring payments
- Schedule future payments
- View payment history
- Paperless statements
Zelle Payments:
- Send money to friends/family with email or phone number
- Transfers complete within minutes
- Free for personal payments
- Built directly into online banking (no separate app)
- Limits: typically $2,000-$5,000 daily
Account Alerts (TD Alerts):
- Balance notifications
- Large transaction alerts
- Due bill reminders
- Unusual activity warnings
- Customizable by account
Mobile Check Deposit:
- Photograph check with mobile app
- Funds typically available next business day
- No visit to branch needed
- 24/7 availability
Digital Wallet Integration:
- Add cards to Apple Pay, Google Pay, Samsung Pay
- Contactless payments in-store
- Enhanced security for mobile payments
Security Features:
- Biometric login (Touch ID, Face ID, fingerprint)
- Single-use security codes
- Multi-factor authentication
- Session timeout for inactive accounts
- Fraud monitoring
- Zero-liability guarantee
TD Bank Mobile App Features
App Details:
- Rating: 4.3-4.5 out of 5 stars (iOS and Android)
- Downloads: Multiple millions across platforms
- Compatibility: iOS and Android devices (current versions)
Key Mobile Features:
Account Management:
- Check balances 24/7
- View transactions in real-time
- Access statements and documents
- Manage multiple accounts simultaneously
- Card controls (lock/unlock debit and credit cards)
- Set spending limits
Money Movement:
- Transfer between TD accounts instantly
- Pay bills (one-time or recurring)
- Send money with Zelle
- Mobile check deposit
- Schedule future transfers
- Request money from others
Card Management:
- Activate new cards
- Lock/unlock cards temporarily
- Report lost/stolen cards
- Change card limits
- View card details
- Digital wallet support
Smart Notifications:
- Balance alerts
- Payment due reminders
- Large transaction notifications
- Fraud warnings
- Custom alerts by account
Troubleshooting TD Bank Login Issues
| Problem | Solution |
|---|---|
| Forgot Username | Click “Forgot Username” on td.com; verify identity through email/security questions; receive username via email |
| Forgot Password | Click “Forgot Password”; complete identity verification; create new 8+ character password |
| Account Locked | Account locks after multiple failed login attempts; wait 24 hours or call 1-888-751-9000 to unlock |
| Security Code Not Received | Check spam folder; wait 60 seconds for SMS delivery; request new code; verify phone on file is current |
| Can’t Enroll Online | Visit TD Bank branch with ID; call 1-888-751-9000; ensure you have active TD account |
| App Won’t Load | Update to latest version; restart phone; check internet connection; clear app cache; reinstall if needed |
| “Session Expired” Error | Session times out after inactivity; log in again; ensure internet connection stable |
| Browser Issues | Clear cookies/browser cache; try different browser; ensure JavaScript enabled; disable extensions |
Customer Support:
Call 1-888-751-9000 (available 24/7; English and Spanish support available; average resolution rate only 9% per consumer reports, indicating wait times and service challenges).
TD Bank Near Me — Branches, ATMs & Locations
TD Bank operates 1,100+ branches concentrated in the Eastern United States, providing convenient access in major metropolitan areas and surrounding regions.
How to Find Your Nearest TD Bank Branch
Use TD Bank Branch Locator
Visit td.com/us/locator or use the mobile app to find:
- Nearest TD Bank branch to your location
- Exact address and phone number
- Specific branch hours (hours vary by location)
- Services available (full banking, limited service, mortgage center, business banking)
- Accessibility information (wheelchair access, parking, drive-thru)
- Driving directions via GPS
- Ability to schedule appointment
Search Features:
- Search by ZIP code, city, or street address
- Filter by services needed
- View on interactive map
- See real-time hours
Geographic Coverage (2026)
TD Bank branches concentrate in these regions:
Primary Markets:
- New York: Extensive coverage in NYC metro, upstate
- New Jersey: Dominant presence throughout state
- Pennsylvania: Philadelphia metro and surrounding areas
- Connecticut: Major presence in metro areas
- Delaware, Maryland, Virginia: Growing presence
- Florida: Expanding southern footprint
Total Presence: 1,100+ branches across 28+ states (concentrated in Northeast, Mid-Atlantic; less coverage in Midwest, South, West)
ATM Network Access
TD Bank provides:
- TD-owned ATMs: 1,000+ locations nationwide
- Partner ATM Network: Access to additional thousands through partnerships
- 24/7 Availability: Withdraw cash anytime (no branch visit needed)
- No TD Card Fee: Free for TD account holders at TD ATMs
- Out-of-Network Surcharge: Typically $2-$3 per transaction plus operator fees
Branch Hours & Services
Typical TD Bank Hours (vary by location):
| Day | Hours |
|---|---|
| Monday-Wednesday | 8:30 AM – 5:00 PM |
| Thursday-Friday | 8:30 AM – 6:00 PM |
| Saturday | 9:00 AM – 1:00 PM |
| Sunday | 11:00 AM – 3:00 PM (select locations) |
Drive-Thru Hours: Often extended beyond lobby closing (typically until 6:30 PM weekdays)
Important Note: Hours vary significantly by location. Use the branch locator to confirm your specific branch’s hours before visiting.
TD Bank Hours — 2026 Schedule
What Time Does TD Bank Open?
Standard Opening Times:
- Monday-Friday: 8:30 AM local time
- Saturday: 9:00 AM local time
- Sunday: Closed (ATMs available 24/7)
Extended Hours Note: TD Bank is known for earlier opening than many competitors (8:30 AM vs. 9:00 AM at Chase/Bank of America), providing advantage for early morning banking needs.
Verification: Use TD branch locator at td.com/us/locator to confirm your specific location’s opening time.
What Time Does TD Bank Close?
Standard Closing Times:
- Monday-Wednesday: 5:00 PM local time
- Thursday-Friday: 6:00 PM local time
- Saturday: 1:00 PM local time
- Sunday: Closed (most locations)
Drive-Thru Closing: Often open 30 minutes – 1 hour later than lobby (until 6:30 PM typical on weekdays)
Select Sunday Hours: Some locations open Sunday 11:00 AM – 3:00 PM (TD Bank’s competitive advantage vs. most banks that close all day Sunday)
Is TD Bank Open Today?
Quick Check Methods:
- Branch Locator: Visit td.com/us/locator, search location, view real-time hours
- Mobile App: Open TD app, tap “Locations,” find branch, view hours
- Call Branch Directly: Contact your local TD Bank location
- 24/7 Digital Banking: Even when closed, ATMs, online banking, and mobile app stay open 24/7
2026 Holiday Schedule:
TD Bank branches close on all federal holidays:
| Holiday | Date | Branch Status |
|---|---|---|
| New Year’s Day | Thursday, Jan 1 | Closed |
| MLK Jr. Day | Monday, Jan 20 | Closed |
| Presidents Day | Monday, Feb 17 | Closed |
| Memorial Day | Monday, May 26 | Closed |
| Juneteenth | Thursday, June 19 | Closed |
| Independence Day | Friday, July 4 | Closed |
| Labor Day | Monday, Sept 1 | Closed |
| Columbus Day | Monday, Oct 13 | Closed |
| Veterans Day | Tuesday, Nov 11 | Closed |
| Thanksgiving | Thursday, Nov 27 | Closed |
| Christmas | Thursday, Dec 25 | Closed |
On Holidays:
✅ ATMs available 24/7
✅ Online banking accessible
✅ Mobile app fully functional
✅ 24/7 phone banking available
✅ Automatic payments/transfers process
TD Bank Customer Service — How to Contact Support
TD Bank provides 24/7 customer support through multiple channels, though customer satisfaction ratings are mixed (1.3/5 stars per consumer reports).
TD Bank Phone Numbers (By Service)
General Customer Service (24/7)
1-888-751-9000
- Personal checking and savings account questions
- Credit card support
- General account inquiries
- Fraud reporting
- Automated support always available; live representatives during extended business hours
Key Statistics:
- Call Volume: High volume of incoming calls
- Wait Times: Longest on Wednesdays; shortest on Sundays
- Average Call Duration: ~7 minutes
- Resolution Rate: Only 9% of calls result in issue resolution (major weakness)
- Customer Rating: 1.3 out of 5 stars (mostly dissatisfied)
Alternative Numbers:
- Personal Banking & Lending: 1-888-661-9029
- Insurance Services: 1-866-361-2311
- Complaints/Escalations: 1-800-941-3655
- TTY (Hearing Impaired): 1-800-852-7899
- French Language Support: 1-844-352-1149
Other Contact Options
Online Support:
- Live Chat: Available through td.com/us (weekday business hours)
- Mobile App: In-app messaging and live chat (when available)
- Secure Messaging: Through online banking portal
- Email: customer.service@td.com (slower response time)
In-Person Support:
- Visit nearest TD Bank branch (1,100+ locations)
- Schedule appointment through mobile app or website
- Extended hours including Saturday and select Sunday hours
Social Media:
- Facebook Messenger: Limited support through official TD Bank page
- Twitter/X: @TDBank (primarily informational, limited support)
Best Times to Reach TD Bank Customer Service
For Shorter Wait Times:
✅ Sunday: Shortest wait times (but fewer live representatives)
✅ Early morning (before 9 AM ET): Generally shorter queues
✅ After-hours (8 PM – midnight ET): Automated support available
❌ Wednesday: Longest wait times (peak call volume day)
❌ Monday morning: High volume from weekend issues
❌ Lunch hours (11 AM-1 PM ET): Peak call times
Reality Check: With only 9% resolution rate, even short waits may not result in problem resolution. Consider using online banking, mobile app, or branch visit for complex issues.
TD Bank CD Rates — 2026 APY Guide
TD Bank offers tiered CD rates based on term length and whether you maintain a qualifying TD Bank checking account (relationship rate).
Current TD Bank CD Rates (2026)
Standard CD Rates (Non-Relationship):
| CD Term | Standard APY | Minimum Deposit |
|---|---|---|
| 3 months | 1.00%-3.00% | $250 |
| 6 months | 1.00%-5.00% | $250 |
| 9 months | 1.00%-4.00% | $250 |
| 12 months | 1.00%-4.50% | $250 |
| 18 months | 1.00%-4.00% | $250 |
| 24 months | 1.00%-4.00% | $250 |
| 36 months | 1.00%-3.51% | $250 |
| 60 months | 1.00%-2.50% | $250 |
Relationship APY (With Qualifying TD Checking Account):
Customers with eligible TD Bank checking accounts can earn “bump rates” up to 5.00% on select terms (typically 6-month promotional CDs offer highest rates).
Step Rate CD Option:
- 3-year term: Composite APY 0.10%
- 5-year term: Composite APY 0.15%
- Feature: Rate increases 0.05% annually; one penalty-free withdrawal allowed within 10 days of anniversary
What CD Rates Does TD Bank Offer in 2026?
Best TD Bank CD Rate: 5.00% APY on 6-month promotional CD (relationship rate for customers with qualifying TD checking account)
Key Insight: TD Bank’s promotional CDs with relationship rates (up to 5.00% on 6-month) can be competitive, but:
- Standard rates of 1.00% are among the lowest in the industry
- Online banks (Ally, Marcus, Vanguard) consistently offer 4.00%-4.30% on standard terms
- TD rates vary by promotional period; current 5.00% availability may not persist
Early Withdrawal Penalties
| Term | Penalty |
|---|---|
| 3 months | 3 months interest |
| 6 months | 3 months interest |
| 12 months | 6 months interest |
| 24 months or longer | 6-12 months interest |
Penalty Example: Withdraw from 12-month CD at 5 months = lose 6 months of interest earned
CD Rate Comparison: TD Bank vs Competitors (2026)
| Term | TD Bank (Standard) | TD Bank (Relationship) | Ally Bank | Marcus | Online Average |
|---|---|---|---|---|---|
| 6 months | 1.00% | 5.00% | 4.00%-4.30% | 4.00% | 4.10% |
| 12 months | 1.00% | 4.50% | 4.00%-4.50% | 4.00%-4.50% | 4.25% |
| 24 months | 1.00% | 4.00% | 3.95%-4.00% | 3.95%-4.00% | 3.98% |
| 60 months | 1.00% | 2.50% | 3.50%-3.90% | 3.50%-3.90% | 3.70% |
Clear Findings:
- Standard rates (1.00%) are among the lowest — avoid unless using for promotional relationship rate benefit
- Relationship rates (up to 5.00%) can be competitive but require maintaining TD checking account
- Online banks offer consistency across all terms without account relationship requirements
- For maximum CD earnings: Use online banks unless you value TD’s convenience for combined checking + CD strategy
TD Bank Credit Cards — 2026 Offers
TD Bank offers multiple credit card options with 2026 updates to rewards categories.
TD Credit Card Options (2026 Offerings)
TD Cash Back Visa Infinite Card (Premium)
| Feature | Details |
|---|---|
| Annual Fee | $0 (no annual fee) |
| Cash Back | 3% on groceries, gas, EV charging, public transit, recurring bills, streaming, digital gaming; 1% all else |
| Sign-Up Bonus | $200 cash back after $1,500 spending in 90 days |
| Intro APR | 0% on balance transfers and purchases (varied terms) |
| Foreign Transaction Fee | 3% |
| Best For | Everyday spending with high cash back on common categories |
TD Cash Back Visa Card (Standard)
| Feature | Details |
|---|---|
| Annual Fee | $0 |
| Cash Back | 1% groceries/gas/EV/transit/bills/streaming; 0.5% all else |
| Sign-Up Bonus | $200 cash back after $1,000 spending in 90 days |
| Intro APR | 0% on purchases (6-15 months) |
| Foreign Transaction Fee | 3% |
| Best For | Budget-conscious cardholders wanting basic cash back |
TD Rewards Visa Card
| Feature | Details |
|---|---|
| Annual Fee | $0 |
| Rewards | 3 points per $1 groceries/dining/transit; 2 points recurring bills/streaming; 1 point other |
| Redemption | Points toward travel, merchandise, gift cards, statement credits |
| Sign-Up Bonus | Points bonus on qualifying spending |
| Best For | Travel and diverse rewards flexibility |
2026 Updates to TD Credit Cards:
New earning categories added in 2026:
- EV Charging: Now earns rewards (previously absent)
- Public Transit: Enhanced category for commuters
- Streaming/Digital Gaming: New category (reflects 2026 spending trends)
- Recurring Bills: Expanded to encourage automatic payments
TD Bank vs Chase/Bank of America Credit Cards
| Card Type | TD Bank | Chase | Bank of America |
|---|---|---|---|
| Best Cash Back | 3% (TD Infinite) | 5% rotating (Freedom) | 6% intro (Customized) |
| Annual Fee | $0 | $0-95 | $0-95 |
| Sign-Up Bonus | $200 | $200-800+ | $200-600+ |
| Rewards Flexibility | Good | Excellent | Good |
| Travel Benefits | Moderate | Excellent | Moderate |
TD Bank vs Other Major Banks (Comparison Table)
| Feature | TD Bank | Chase | Bank of America | Wells Fargo | US Bank |
|---|---|---|---|---|---|
| Branches | 1,100+ | 4,700+ | 4,700+ | 4,200+ | 3,000+ |
| ATMs | 1,000+ | 17,000+ | 16,000+ | 13,000+ | 5,000+ |
| Checking Fee | $0-$20 | $12 (waivable) | $12 (waivable) | $15 (waivable) | $0-15 |
| CD Rate (Standard) | 1.00% | 0.01% | 0.01% | 2.00% | 3.35% |
| CD Rate (Best Promotional) | 5.00% | 0.01% | 0.01% | 2.00% | 3.70% |
| Savings APY | 0.01%-0.05% | 0.01%-0.04% | 0.01%-0.04% | 0.01%-0.02% | 0.01%-0.05% |
| Mobile App Rating | 4.3-4.5 | 4.7 | 4.8 | 4.1 | 4.5-4.8 |
| Weekend Hours | Yes (Sat/Sun) | Limited | Limited | Limited | Limited |
| Zelle Support | Yes | Yes | Yes | Yes | Yes |
| Customer Service Rating | 1.3/5 | 3.5/5 | 3.5/5 | 3.0/5 | 3.8/5 |
| 2024 Compliance Issues | Major ($3.09B fine) | Good standing | Good standing | Good standing | Good standing |
Where TD Bank Wins:
- Extended weekend hours (Saturday-Sunday vs. most competitors)
- Promotional CD rates (5.00% on 6-month relationship CDs)
- Geographic convenience in Northeast
Where Alternatives Win:
- Chase: Largest branch/ATM network, better customer service
- Bank of America: Similar footprint, better service ratings
- US Bank: Competitive CD rates, better overall reputation
- Online banks: Higher standard CD rates (4.00%+)
Is TD Bank a Good Bank in 2026? (Pros & Cons)
Pros: Reasons to Choose TD Bank in 2026
✅ Extended Branch Hours
8:30 AM opening and Saturday-Sunday hours provide genuine convenience vs. 9 AM weekday opening and Monday-Friday-only competitors.
✅ Strong Digital Banking
4.3-4.5 star mobile app with comprehensive features, Zelle integration, mobile check deposit, and 24/7 online access.
✅ Promotional CD Rates
5.00% APY on 6-month relationship CDs can be competitive when available, especially for customers maintaining TD checking account.
✅ Credit Card Rewards Options
Updated 2026 rewards categories (EV charging, streaming, transit) reflect modern spending; no annual fees; strong cash back options.
✅ Established Reputation
170+ years of banking heritage, parent company (Toronto-Dominion Bank) is stable Canadian institution, FDIC insurance protection.
✅ Geographic Convenience
1,100+ branches in Northeast and growing Mid-Atlantic provide strong local presence for this region’s residents.
Cons: Limitations of TD Bank in 2026
❌ Serious Compliance Issues (2024-2025)
$3.09 billion penalty for money laundering and AML control failures; employee bribery cases; facilitated $400+ million in narcotics trafficking funds. While not impacting regular customers’ FDIC insurance, raises concerns about bank culture and oversight.
❌ Low Customer Service Satisfaction
1.3/5 star rating indicates serious service issues; only 9% resolution rate on customer calls; longest waits on Wednesdays.
❌ Limited Geographic Footprint
1,100 branches concentrated in Northeast; much less coverage than Chase (4,700), Bank of America (4,700), Wells Fargo (4,200) nationwide.
❌ Low Standard CD Rates
1.00% standard rates are among lowest in industry; requires promotional relationship rate (5.00%) to be competitive.
❌ Slow Account Growth (2026 Restriction)
Asset growth cap imposed by regulators limits bank’s expansion and competitive capabilities vs. unrestricted competitors.
❌ Savings Account Rates
0.01%-0.05% APY trails national average (0.40%) and online banks (4.00%+); savings at TD losing money to inflation.
❌ Higher Out-of-Network Surcharges
$2-3 ATM surcharges comparable to competitors, but smaller ATM network (1,000+) vs. Chase (17,000+) increases surcharge frequency for non-Northeast residents.
Pros & Cons Comparison Table
| Aspect | TD Bank | Rating | Competitor Alternative |
|---|---|---|---|
| Extended Hours | Sat-Sun, 8:30 AM opening | ⭐⭐⭐⭐⭐ | Chase: weekday only |
| Mobile App | 4.3-4.5 stars | ⭐⭐⭐⭐ | Chase: 4.7 stars |
| Checking Fee | $0-20 | ⭐⭐⭐ | Online banks: $0 |
| CD Rates (Standard) | 1.00% | ⭐ | Ally: 4.00%+ |
| Customer Service | 1.3/5 | ⭐ | US Bank: 3.8/5 |
| Branch Network | 1,100+ | ⭐⭐⭐ | Chase: 4,700+ |
| Compliance Standing | Penalized 2024 | ⭐⭐ | Chase: Good standing |
Who Is TD Bank Best For? (2026 Target Customers)
Ideal TD Bank Customers in 2026:
✅ Northeast/Mid-Atlantic Residents: Strong branch network in this region
✅ Weekend Banking Needs: Saturday-Sunday hours vs. most competitors’ weekday-only
✅ Early Morning Bankers: 8:30 AM opening before other banks
✅ Digital-First Users: 4.3-4.5 star mobile app with comprehensive features
✅ Promotional CD Shoppers: 5.00% APY on 6-month CDs (relationship customers)
✅ Credit Card Rewards Seekers: No annual fees, 3% cash back options, 2026 category updates
✅ Zelle Users: Built-in peer-to-peer payments in app and online
✅ Mortgage/Lending Customers: Full suite of loan products under one roof
Who Should Consider Alternatives in 2026:
❌ National Coverage Needs: TD limited to 1,100 branches; Chase has 4,700
❌ Service-Dependent Customers: 1.3/5 service rating; consider Chase (3.5), US Bank (3.8)
❌ High-Yield Savings Seekers: Online banks 4.00%+ vs. TD’s 0.05%
❌ Standard CD Rate Hunters: Online banks 4.00%+ vs. TD’s 1.00%
❌ Compliance-Conscious: $3.09B penalty and compliance issues; alternatives with better standing
❌ West/South Residents: TD minimal presence; Chase/Wells Fargo better coverage
❌ Budget Customers: $0-20 checking fees; online banks often completely free
Frequently Asked Questions — TD Bank
Is TD Bank a Good Bank?
Yes, TD Bank is a decent banking choice in 2026 if you prioritize extended hours, digital banking, and promotional CD rates, but recent compliance failures warrant caution. Specifically: Strengths: Extended branch/weekend hours, 4.3-4.5 star mobile app, promotional 5.00% CD rates for relationship customers, no-fee credit cards. Weaknesses: Only 1.3/5 customer service rating, $3.09 billion 2024 compliance penalty, low standard CD rates (1.00%), limited geographic footprint. Bottom Line: Good for Northeast residents valuing convenience; better alternatives for nationwide coverage or premium service.
What Time Does TD Bank Open?
Most TD Bank branches open at 8:30 AM Monday-Friday and 9:00 AM Saturday. Hours vary by location, so verify specific branch hours using td.com/us/locator or calling your branch directly. TD’s 8:30 AM opening is earlier than most competitors (Chase, Bank of America open 9:00 AM), providing advantage for early morning banking.
What Time Does TD Bank Close?
TD Bank closes at 5:00 PM Monday-Wednesday, 6:00 PM Thursday-Friday, and 1:00 PM Saturday (hours vary by location). Drive-thru windows often stay open 30 minutes to 1 hour later. Use td.com/us/locator to confirm your specific branch’s closing time.
Is TD Bank Open Today?
To check if your TD Bank branch is open today: (1) Visit td.com/us/locator and search your location for real-time hours; (2) Call your local branch; (3) Use the mobile app’s location feature. Remember: Branches closed on federal holidays; ATMs and digital banking available 24/7 year-round.
Is TD Bank Safe in 2026?
Yes, TD Bank is safe in 2026 despite recent compliance issues. Here’s why: (1) FDIC Insurance: All deposits protected up to $250,000 per account category (federal government guarantee). (2) Financial Stability: Parent company Toronto-Dominion Bank (Canada) is strong; TD Bank U.S. remains solvent. (3) Enhanced Oversight: 2024 regulatory penalties triggered external compliance monitor and stricter controls, potentially reducing future illicit activity. (4) Customer Deposits Protected: Compliance failures didn’t impact individual account security. Caution: While deposits are safe, recent compliance failures indicate management/culture issues; some customers prefer banks with better compliance records.
What CD Rates Does TD Bank Offer in 2026?
TD Bank offers CD rates from 1.00% (standard) to 5.00% APY (promotional 6-month relationship CD). Rates vary by term: 3-month to 5-year terms available with $250 minimum deposit. Promotional rates (up to 5.00%) require maintaining a qualifying TD Bank checking account; standard rates (1.00%) are among the lowest in the industry. Better alternatives: Online banks (Ally, Marcus, Vanguard) offer 4.00%-4.30% on standard terms without relationship requirements.
Does TD Bank Have Zelle?
Yes, TD Bank fully supports Zelle® for fast person-to-person payments built directly into online banking and the mobile app. Zelle allows you to send and receive money using email or phone number; transfers typically complete within minutes. No separate app needed. Free for personal payments.
How to Log Into TD Bank Online Banking?
Step-by-step process: (1) Visit td.com/us and click “Online Banking”; (2) Enter your username/customer number and password; (3) Complete multi-factor authentication (security code via SMS, voice call, or security questions); (4) Access your dashboard. For first-time users: Click “Enroll in Online Banking” and follow enrollment steps. Troubleshooting: Forgotten credentials? Click “Forgot Username/Password” and complete identity verification. For help, call 1-888-751-9000.
Expert Banking Tips for TD Bank Customers (2026 Edition)
1. Maximize Promotional CD Rates Before They Expire
Strategy: Lock in 5.00% APY 6-month CDs while promotional rates available (rates may decline if Federal Reserve cuts rates further in 2026).
Action: Open 6-month CD NOW at 5.00%. When it matures in 6 months, assess then-current rates and decide whether to roll over or move to online bank if rates drop.
Example: $10,000 at 5.00% = $250 interest earned (vs. $100 at 1.00%)
2. Use Relationship Rates Strategically
Strategy: Maintain qualifying TD checking account to access relationship CD rates (up to 5.00% vs. 1.00% standard).
Annual Cost Analysis:
- Checking account fee: $0-20/year
- CD rate premium vs. standard: $150-250/year on $10,000 CD
- Net benefit: $130-250/year positive (worth maintaining account)
3. Leverage Extended Hours for Convenience
Strategy: Use 8:30 AM openings and Saturday-Sunday hours for banking needs without taking time off work.
Example: Saturday morning deposit before noon vs. needing Friday afternoon branch visit at Chase (weekday 5 PM closing).
4. Monitor Compliance and Regulatory Developments
Strategy: Stay informed about ongoing regulatory compliance and management changes as bank works through 2024 settlement requirements.
Action: Visit SEC filings (sec.gov) for TD Bank Group quarterly reports to monitor compliance progress and regulatory updates. If major new violations emerge, consider switching to bank with cleaner compliance record.
5. Optimize Credit Card Strategy for 2026 Categories
Strategy: Use updated credit card categories (EV charging, streaming, transit, recurring bills) effectively.
Action: Charge gas, EV charging, groceries, transit, and recurring bills on TD Cash Back Infinite card (3% cash back) instead of other cards (1-2%).
Annual Benefit Calculation:
- $2,000 groceries × 3% = $60
- $1,500 gas/EV × 3% = $45
- $500 transit × 3% = $15
- $600 streaming/bills × 3% = $18
- Annual cash back: $138 (vs. $30 at 1% flat card)
6. Automate Bill Pay to Avoid Overdrafts
Strategy: Use TD online banking’s bill pay to schedule recurring payments, avoiding overdraft fees ($35 per transaction).
Setup Time: 5 minutes per bill (one-time)
Annual Savings: $105-350 (avoiding 3-10 overdraft fees)
Conclusion — Should You Choose TD Bank in 2026?
TD Bank is a solid banking option for 2026 customers who prioritize extended hours, digital convenience, and promotional CD rates—but significant compliance failures, weak customer service, and limited geographic footprint make alternatives like Chase or Bank of America preferable for nationwide users or those prioritizing service quality.
Key Strengths:
✅ Extended hours (8:30 AM-6 PM, Saturday-Sunday availability)
✅ Promotional 5.00% CD rates on 6-month terms (relationship customers)
✅ Strong 4.3-4.5 star mobile app with Zelle integration
✅ No annual fee credit cards with 3% cash back
✅ 1,100+ branches in Northeast/Mid-Atlantic
✅ FDIC insurance protection (safe for deposits)
Key Weaknesses:
❌ $3.09 billion 2024 compliance penalty (money laundering, AML control failures)
❌ Only 1.3/5 customer service rating (severe dissatisfaction)
❌ Low standard CD rates (1.00%), requiring relationship accounts
❌ Only 1,100 branches (vs. Chase 4,700, Bank of America 4,700)
❌ Savings rates trail inflation; losing purchasing power
❌ Regulatory asset growth restrictions limiting expansion
2026 Recommendation:
Best For: Northeast/Mid-Atlantic residents who value weekend/early morning banking hours and can qualify for promotional CD rates through TD checking account maintenance.
Consider Alternatives If: You need nationwide branch coverage (choose Chase), prefer superior customer service (choose US Bank), or want highest CD rates (choose online banks like Ally or Marcus).
Hybrid Strategy: Keep TD checking account for extended hours convenience, but move CDs and savings to online banks earning 4.00%+ APY instead of TD’s 0.01%-1.00%.
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