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What would Regis and Kelly say! This week some TD Bank customers found that their direct deposits hadn't posted to their accounts—a big mess, since many rely on, you know, having funds to pay bills. A commenter on Consumerist fumed that an expected Tuesday direct deposit only showed up yesterday, "Seriously - I trust these dummies with my money?"
One Manhattan customer told WCBS 2, "I went to get money so I could pay rent and stuff and I didn't have any funds available in my account." The glitch, which hit millions of customers (some found negative balances, too), occurred because TD Bank was trying to merge its computers with its new acquisition, Commerce Bank. The bank even shut down its online banking system for a while to try to deal with the issue. And when WCBS 2 went to a branch in Westbury, they were greeted with, "You have to leave the property. The police are on the way."
The bank now says it'll refund customers overdraft fees, but what about the psychological damage?
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Well, this is an unfortunate glitch, but I have enjoyed my experience as a Commerce/TD customer for many years now, and can't imagine changing banks. At least they attempted to correct the problem promptly... they have always been very customer-focused. (Contrasted with the sickeningly shabby treatment my spouse receives from Bank of America)
We’re making progress in resolving the processing delays, but recognize any delay is frustrating for customers and we want to sincerely apologize for that inconvenience. Customers now have access to all expected direct deposits. We have completed processing all of today’s direct deposits.
Customers receiving direct deposits dated October 2nd will now see those deposits in their account. The processing of today’s credits and debits began earlier today. Customers will begin to see updates to their accounts later today. We encourage customers to visit a store or call the call center so we can continue to help them resolve individual issues.
We have completed processing all of yesterday’s transactions. As a result, Customers currently can see account balances as of end-of-day Thursday. This is a significant improvement compared to yesterday’s delay, but Customers are not yet seeing their account balances updated in real time.
Relax folks, this is just another day of life under Toronto Dominion.