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northstar42 t1_j2wtnd8 wrote

I can recommend staying away from TD Bank and Citizens. Have had bad customer service experiences with both of them. Citizens was really terrible. Offensive on two occasions.

I'm still with TD but only because, well, I don't even know why. Inertia, I guess. TD has been more apathetic than rude when I've had to deal with them personally.

Tellers are certainly friendly. Business policies not so much.

Edit: I can recommend Northeast Credit Union. They do have one branch in Concord but have less of a presence in the area overall. People there are super friendly and helpful. Went out of their way to help me set up a car loan.

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boldolive t1_j2wunw7 wrote

I agree — avoid TD Bank. Several years ago they lost a class-action lawsuit because they were rearranging the chronology of customers’ checks to cause overdraft fees. I was a victim of that fraud and received a small settlement. I switched banks to Savings Bank of Walpole and really like their ethics and their personal touch. Whenever I need something, I can call and talk to an actual human being.

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IntelligentMeal40 t1_j2wvjwe wrote

I use them for an estate account, the thing has like $30,000 in it, and it just sits there in a non-interest-bearing account because when I opened it I didn’t know how much money the estate had and I wasn’t going to pay $25 a month just to have an account there.

There were some glitches setting it up that were problematic but they worked it out, my main complaint with them is that they are such tightwads about giving rolls of quarters.

The estate account is in my name even though it’s for an estate. I never roll up and just ask them for quarters, but if I am depositing a check, and I have $20 cash and need two rolls of quarters they are totally willing to give it to me if it’s my account but not so much if it’s an account that I control which makes no sense to me. So far they’ve given me the quarters when I needed them, but really guys? You’re using my dead relative $30,000 and you’re gonna hassle me about exchanging a $20 bill for two rolls of quarters?

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vexingsilence t1_j2x3jju wrote

I used to use them and got several of those payouts for them getting caught doing illegal things. Finally switched when they had an "update" that shutdown both their web site and their mobile app for multiple days. Awful experience. Never chose to be their customer either, they ended up with my accounts that originated all the way back with Shawmut and jumped through at least a dozen banks before dying at TD.

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cafeRacr t1_j2x00hk wrote

I switched from TD Bank to Northeast a while ago. My identity was stolen and someone tried to withdraw a significant amount of cash from my account in another state. While they phished the account number out of the bank using a fake ID, the bank manager was smart enough to check the signature as well, and called immediately to warn me what had happened. I'll never work with a national bank again, as they won't do any kind of investigation because it's just "too much" work for nothing. Locally, they'll likely take a look into it. It's a total pain in the ass to clean up and lock down.

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vexingsilence t1_j2x3qed wrote

I walked into a TD Bank one day and told them I had forgotten my PIN, or it had glitched and wasn't taking the PIN. They set it to the PIN I typed on their terminal and left. Then I realized that they never even asked to see my ID.

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derek_morin1 t1_j2ycfmv wrote

Our TD accounts got hacked twice in a year. I tried to set up online banking with them and their system did not allow you to use special characters in the password. Completely ridiculous.

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yourmothermypocket t1_j2x5mwz wrote

I have citizens only kept them because we've been there so long. Got my auto loan through Northeast and I love them. I'm slowly making the switch to them fully. Their customer service is unbelievable in how good it is.

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Happy_Confection90 t1_j2xx2gr wrote

I recommend avoiding TD not because of poor service, but because they keep closing branches. Goodbye Barrington TD. Goodbye Kingston TD. Goodbye Farmington, Conway, and Suncook TDs.

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comefromawayfan2022 t1_j30ayrt wrote

I have td bank and I'm only still with them because switching my accounts and setting up direct deposit with a new bank would be a pain in the ass when it comes to the types of payments I get

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