TD BANK is completely irresponsible and hypocritical. Last time my check was direct deposited it took them until 9:00AM the next day to have my funds available. The funny part is that I could not protest to them about it. They basically hide behind their IT department saying "it's not our fault, our systems are having issues". However, if you as the customer, make an overdraft for as little as .01 cent they SLAM you with a 35$ overdraft fee EACH time. So if you overdraft twice in the same day you get hit with 70$ and so on. Now, why can't I charge them for failing to have MY money available to me the minute after my employer electronically wired the funds to them????? Should work both ways.

@Unsolicited Advice: I'm just smiling right now. I used to be a Commerce customer but my area got the Metro banks instead of TD. The changeover to Metro was a 2 or 3 day fiasco, but the worst of the problems was acct. holders Visa check cards and acct. debit cards not working for a few hours or so in those 2 days. Everyone said I should switch banks and they wouldn't put up with that type of service and that it was a shame that it was Metro instead of TD. Joke's on the other side now, I guess. So glad I stayed with Metro because I now have 7 day branch access and no problems with any of my accts.

Nothing, has happened to me yet so far which I am happy about.

"The balance bore no relation mathematically to what his actual balance should have been"

@suepw: Right.... because transactions are delayed and not posting to accounts. You were looking for stuff that hadn't posted yet.

@redmocd: And I don't know where you got that from, but it's 100% false. Direct deposits that go through overnight are available immediately.

@Eldritch: Because the check you were holding was dated for THE FOLLOWING day.

My DD paychecks usually show up on Wed. night. Today, Thursday morning, still no check, but my work's website says the check's been posted on their end. Fie on you, TD!

Sorry, I couldn't help but burst into song.

Commerce was such a nice bank but this has really jaded me for TD Bank.

The worst thing now is that the transactions are listed as the generic debits or credits with no company identifiers.

Boo, TD Bank!

Mind you... as the user name says - I'm in Canada. Sympathies to all of you that are having problems - I wouldn't blame you if you left.

okjust a few things first all paychecks were received but not all have posted if you got a paycheck just call us we can push it thru. 2nd if fees are applied to the account and the cause was our fault we will take care of them. automated service is not reflecting true balance please call us to get the most info

@TheKel: please calm down all the people are in the same spot you are in all you have to do is call us and we will apply the funds

Fyi I was with them for over 20 years, through 5 buyouts and name changes. You think they cared I left? nope

I just don't understand why they would switch over to a new system without keeping the existing system running until the new system is proven -- this is called running in parallel. Someone needs to have their feet held to the fire for this. I am still waiting to see my transactions posted. I just heard from someone else that they were able to get the bank to put the money in their account based on good faith; in addition, to receiving courtesy money for the inconvenience. My bank has refused to help in any way what so ever. I plan to withdraw all of my money as soon as I can and move to another bank. Not only have they screwed this to you know where and back but they also plan to start charging new fees. Greedy and dumb -- that is how I see the people in charge of TD Bank.

That reminds me of when I went to go cash my paycheck, before I got direct deposit, right after the Commerce/TD Bank change. They said I couldn't do it until after 6pm, when their computers changed over to the next day. It was 5:50pm. I had to wait in their lobby for ten minutes just for them to cash a fucking check. WTF

Anyone who has a check that should have gone through today, they hope to have it processed by 9pm tonight.

If you are getting overdraft fees, they advised me to wait until the dust settles and that you will need to either go to a branch or call the 800 number to get it sorted.

The really annoying thing about this is if it where the other way around I would have to pay "overdraft" fees. It happens to them and all I get is "Sorry for the inconvenience"

Needless to say that I'm leaving this bank.

BEWARE YOUR NEW CANADIAN BANK OVERLORDS

i use TD here in canada and I've had a pretty good run with them -- no complaints, for what that is worth.

My commerce account switched over to TD like 6 months ago though, did something new happen?

I am still furious at this change.

@fwispdotcom: When sign into online banking there is a yellow high-lighted note letting us know there have been problems.

I did get through to another branch who has been very kind and told me that they're still working on it. I use my PayPal Debit Card as my primary day-to-day card, so this hasn't hurt me, but I do need to pay rent tomorrow, so I'm hoping my paycheck will be in tonight.

Mid-morning, when I tried to log in to my account, they had a site up giving another number to call for immediate assistance - that just earned me a busy signal.

After waiting on hold for half an hour, I finally got through to someone who determined that my direct deposit was there, transferred some money into my other account for me - and, in an unprecedented and unforeseen move, credited my account with $25 for my long wait and the anxiety the website problems had caused.

I don't know if they credited everyone's account, but I hope they do, and that others here who were affected see this benefit as well. Overall, I think they should never have had this problem - and agree with a previous commenter who said the first of the month was the worst time for this to happen - but they seem to have come up with a decent solution if you were affected.

I know 5 or 6 of my friends are sweating bullets right now, hoping their direct deposits go through before their landlords levy a late fee on them.

i can't remember when Banknorth was fully bought by TD (hence becoming TD Banknorth). Overnight the signage changed from Bank of New Hampshire to Banknorth and then to TD Banknorth

@Confuzius: This doesn't affect Canadian customers in Canada. This is about TD Bank's ill-advised silliness to buy up and expand their business to the U.S. Just like RBC.

However, like Unsolicited Advice's comment above, I'm seeing the same thing with debit transactions.

Also, 888-751-9000, TD Bank's customer service number, is disconnected today.

I've been trying all day to get access to their online banking, but its down. The webpage now says it should be up in another hour, so I'll try it again when I get home. My paycheck was supposed to go in today and my husband's tomorrow. I've got several bills that are supposed to be automatically paid either Friday or Monday, so I hope they get everything straightened out.

Very Important...If you opted out of overdraft "protection" I just found out the hard way that as a convienence to customers they gave everyone overdraft "protection"(charge u $35 to overdraw), if you were with Commerce or TD Bank they would not allow you to overdraw if you chose, and would not charge you as a result(just decline the transaction).

They said everyone would be receive these new terms in the mail shortly...time to switch banks...

Folks -- bottem line -- THIS IS COMPLETELY UNACCREPTABLE AND IS A RESULT OF POOR MANAGEMENT AND PLANNING!!! The CIO and direct reports of TD Bank should be fired. Their Merger and Acquisition strategy has failed misrably .... and now they expect customers to accept "OH IM SORRY ..."???

I do hope customers realize that there lack of technology planning and strategy most probably reflects utter internal operational chaos ---

I can assure you all that once my account is available -- I AM LEAVING THIS BANK!!!!

I ASSURE YOU -- THIS IS A RESULT of inferior planning ... banks acquire and merge all the time ---- sure its not an easy undertaking ..... but there are many things TD could have done to ensure this disaster did not happen.

PLEASE LEAVE THIS BANK!

My direct deposit has not posted yet, but my debits are showing up, giving me a negative balance. This is the note showing on the main page after logging in:

Please Note: Thank you for your patience. We are experiencing unusual delays in posting transactions to Customer Accounts. Please rest assured, your accounts are safe and secure. We will resolve this issue as quickly as possible.

We sincerely apologize for any inconvenience this may have caused you.

My original user name isn't giving me any problems.

My direct deposit from Tuesday showed up today at around 1:30 EST. You couldn't get through to them on the phone to get any questions answered - and the website had jack all on it to give you information. I finally called my local branch who assured me they would handle any overdraft fees from this situation should I be hit with any.

Seriously - I trust these dummies with my money? This is their job...how was this so difficult? At least they could have more information on the login page AND made sure people could get through via phone.

@MeOhMy: I put this in my comment as well, but some people need to attach "_tdbank" at the end of their username, password should be the same. That happened to my mother. They said they notified people, but neither my mother or I remember getting anything.

My direct deposit showed up this afternoon, but I get paid the last day of the month, not the first, so it should have shown up yesterday. It used to show up the night before (the 29th) as pending, but saw nothing until today. Payments I've sent yesterday aren't registering yet.

I do keep getting asked security questions I don't remember selecting. My mother had TD too, for some reason when she logs in she has to log in as
"(username)_tdbank" instead of just her username. I don't have to add the _tdbank, who knows.

My Girlfriend works at TD and her Check didn't post to the her account and my check hasn't as well. Tip ask them to call it in and they will post credit onto the account

I've had a few direct deposits and withdrawals in the past few days no problem.

The guy across the hall from me has been unable to access online banking in a few days.

My biggest complaint is that they made me agree to a new online banking agreement that seriously would have been 50 printed pages.

Thanks for the heads up, I'll keep an eye out for any issues.

I'm a longtime Commerce customer, and my payroll posted just fine this morning.

Only one comment posted so far.

So..... not a lot of TD Bank customers or just not a lot experiencing problems?

The problem seems to be with EFT's. I'm a customer - a payroll and a mortgage are both due today, and neither seems to have posted.

Worse, the previous Commerce system posted account transactions to a "pending transactions" file while they were being processed with full vendor details. For example, $20 spent at Exxon would show up as EXXON with the vendor detail and the charge. Now it just shows DEBIT CARD AUTHORIZATION until it's fully posted to the account history.

TD Bank or its vendor's tech staff had an inadequate UAT process, or testers that signed off on a system with data management issues, or irresponsible management that didn't care. Either way, I'm jumping banks.

No seriously, you really can this time. :)