TD Bank

I have never had a problem at this location, staff is always friendly even the security guard. Only thing i can say is that it is a very busy location near the intersection of 309/Cheltenham and Ogontz. Obviously if you come during peak hours like a Saturday afternoon or during evening rush hour there will be a long wait but it's not their fault that everyone decides to rush into the bank at the same time. I have banked with td for 11 yrs and this location for 3 years. Never had a problem.

Deposited a check over 5,000 through the ATM, had to use ATM machine because branch close at 5pm, was making deposit around 7pm... They placed 6 days hold on entire deposit, disregarding that federal funds availability act requires financial institutions to make first 200 available next business day, if hold is being placed on the rest of the funds. Called customer service, they suggested to see the branch manager as only he or she would be able to release the funds, branch manager said: "sorry, nothing I can do, we don't service our ATMs", - ok, then who does??? Called customer service next day, again they said there was nothing they could do for me... I had only around $10 available in that account and because I was relying on deposited funds - got charged $70 overdraft fees for some $50 and $15 automatic payments (again, bank should make first 200 available next business day), lost 4 work days as part of deposited funds were meant to be used for supplies (I am an enterprenuer, working in construction industry). Very frustrated, should have lost one day and taken that check to PNC next day, never had any issues there even with larger checks, used TD Bank because it was close to work and I figured it would make funds available sooner if I make deposit that day, also I have no bad deposit history with TD Bank for the last few years... So why 6 days hold, if it takes about 2 business days to verify the funds? I may not know much about how the banking system works, but I can analyse how my other bank operates, or even how other TD branches treat their customers - very disappointed with this one... Definitely not America's most convenient bank, at least not for me... P.S. while speaking with TD Bank's customer service rep, I asked what would be the "safe" amount of deposit that would not be placed on such hold, she said between 1,000 and 2,000... So if you are dealing with checks for larger amounts and rely on those funds - expect delays.