Whitcomb Woods

Pros

• The reviewer described the branch experience as overly positive, noting consistently friendly and helpful staff, easy card replacements and deposits, and a convenient ATM drive-through.
• A reviewer stated they have loved TD Bank for many years, praising excellent service and staff who are always there to help.
• Angela in the Milton branch is described as the greatest.
• Keri and the team at TD Williston Road are said to make stressful situations much easier, with the reviewer thankful for TD.
• Amanda is praised for going above and beyond to solve an issue, protecting the account, and turning a scary situation into an educational experience, and is described as a gem.
• One reviewer simply notes that the service is always pleasant.

Cons

• TD Bank has terrible service and policies.
• The bank closed every office and ATM that customers relied on.
• It refused to honor a certified bank check deposited in person.
• TD Bank shows little respect for its customers and seems to extract as much money as possible.
• It charges fees for everything and is not consumer-friendly.
• It imposes high ATM fees for using non-TD machines, often without notice.
• Some branches are extremely unhelpful and dishonest about what they can do.
• They charge to cash checks drawn on their own bank.
• Card replacement can be mishandled, delaying or canceling replacements.
• ATMs can be slow or down, leading to long waits.

Review

TD Bank in Vermont presents a wide spectrum of customer experiences, with many reviews painting a sharp contrast between occasionally helpful staff and a broader pattern of frustrating policies, fees, and service gaps. A common thread across the comments is a sense that branches have become less accessible, less responsive, and more focused on fees than on resolving everyday banking needs. Several long-time customers describe a reality where offices and ATMs they relied on were abruptly closed, leaving them with fewer options and longer trips to accomplish simple tasks like cashing checks or making deposits. The consequences of these shifts are repeatedly framed as inconvenience, inefficiency, and a sense that the bank's priorities are misaligned with customer needs.

Service quality is a central point of frustration. A number of reviewers recount notably unhelpful or gruff attitudes from branch staff, with one person saying they were lied to about what could be done and another describing the staff as miserable and unfriendly. In contrast, a few voices acknowledge moments of excellent service, highlighting individuals who went above and beyond. For instance, one reviewer credited Amanda with handling a debit-card fraud situation with calm, clarity, and creative problem-solving, turning a scary incident into an educational experience. Another reviewer praised Angela at the Milton branch as "the greatest," and a Williston Road team member named Keri and her colleagues were described as capable of easing stressful situations. These positively framed encounters show that helpful, competent staff do exist within the network, even if they are not the norm in every encounter.

Fees and charges emerge as a dominant theme in many complaints. Several reviewers accuse TD Bank of nickel-and-diming customers for a wide range of basic transactions, calling the bank both "America's most convenient bank" in sarcasm and "America's costliest, least consumer friendly bank" in earnest critique. They point to fees for simply cashing checks drawn on the bank, as well as charges for using non-TD ATMs or for balance inquiries from other networks. The figure cited by one reviewer - $3.50 per out-of-network withdrawal - illustrates the sense of surprise and frustration that these costs are incurred without clear notice. Another set of comments describes international or cross-border withdrawal charges while traveling, with a specific note about Canada and a lack of upfront warning. Taken together, these reviews imply that the bank's fee structure is seen as opaque and overly punitive by many customers, especially when paired with mixed or deteriorating customer service experiences.

There is a persistent sense that the bank's policies and practices obstruct everyday banking tasks. For example, several comments describe the frustration of replacing a damaged or lost debit card, only to learn that the branch cannot issue a new card on the spot and must mail one instead. In one troubling account, a customer finalizes a card replacement status but discovers the branch cannot print a new card in person, leaving them without a usable card during a crucial travel window. In another case, a customer faced a conflicting set of instructions after a card was deactivated, with one staff member offering to mail a new card while another suggested a different path, ultimately leaving the customer uncertain and without timely access to funds. Some readers recount delays or confusion over whether a bank or corporate office is responsible for specific actions, such as releasing funds or confirming card upgrades, and long wait times on customer-service lines compound the frustration.

Card security and deposits also surface as problematic threads. One person reports depositing a certified bank check in person and having it not honored, a situation that understandably triggers a sense of betrayal and distrust. Others describe a recurring problem with ATMs eating deposits or withholding cash, which adds yet another layer of financial anxiety for customers relying on timely access to funds. The combination of deposit mishaps, long hold times, and inconsistent responses from staff can leave customers feeling that the bank is not reliably safeguarding their money or their time.

Amid the negative assessments, some reviewers note a few bright spots and even moments of loyalty. A handful of customers express positive sentiment about long-standing relationships with TD Bank and mention staff who have earned their trust over the years. There are also references to specific branches and employees who have delivered reliable service and made challenging situations more bearable, suggesting that the overall customer experience hinges on the people you encounter in a given location. A few reviewers who clearly had positive experiences emphasize the branch-specific nature of these outcomes, hinting that some locations may perform better than others.

Overall, the collection of reviews portrays a branch network that many customers perceive as increasingly difficult to navigate. The frequent combination of poor service experiences, opaque or punitive-fee structures, and limited access due to branch and ATM closures contrasts sharply with occasional stories of excellent service from individuals like Amanda, Angela, and Keri. For customers who value low fees, straightforward policies, and consistently reliable service, the sentiment expressed here often leans toward seeking alternatives, including credit unions and other banks offering more predictable pricing and more responsive in-branch support. Nonetheless, the presence of genuinely helpful staff at certain locations suggests that improvements - if they occur - could be driven by the same local teams who deliver positive personal experiences.

This area of South Burlington, Vermont offers a variety of amenities and services that cater to the needs of seniors. With several restaurants, cafes, and pharmacies within a few miles, residents have easy access to dining options and essential healthcare supplies. The proximity to Burlington International Airport makes it convenient for travel purposes. Additionally, there are several reputable physicians and hospitals nearby, ensuring quality medical care. Parks like Essex Overlook Park provide opportunities for outdoor recreation and relaxation. Overall, this area combines convenience with healthcare accessibility, making it a desirable location for senior living.

Restaurants

• Guild Tavern (0.3 miles)
• McDonald's (1.2 miles)
• The Bagel Place (1.3 miles)
• Applebee's (1.5 miles)
• The Scale (2 miles)
• Moe's Southwest Grill (2.2 miles)
• Ninety-Nine Restaurant & Pub (2.3 miles)

Transportation

• Burlington International Airport (BTV) (0.5 miles)

Physicians

• Ophthalmic Consultants of Vermont (0.9 miles)
• Allergy & Asthma Associates (0.9 miles)
• Champlin Valley Oral Surgery (0.9 miles)
• Muriel H. Nathan, MD, PhD, Endocrinologist (0.9 miles)
• Associates In Radiology (0.9 miles)
• Fletcher Allen Center For Pain Medicine (0.9 miles)
• Champlain Valley Oral & Maxillofacial Surgery (1 miles)

Cafes

• Starbucks (1.3 miles)
• Starbucks (2.3 miles)
• Scout & Co. (2.6 miles)
• Starbucks (2.9 miles)
• Starbucks (3 miles)
• Muddy Waters (3.1 miles)
• Vivid Coffee Roasters (3.2 miles)

Pharmacies

• Hannaford Supermarket & Pharmacy (1.4 miles)
• CVS Pharmacy (1.5 miles)
• Walmart Pharmacy (2.1 miles)
• UVM Medical Center Pharmacy - Main Campus (2.3 miles)
• Fletcher Allen Pharmacy - Fanny Allen Campus (2.4 miles)
• UVM Medical Center Pharmacy (2.4 miles)
• Walgreens (2.6 miles)

Parks

• Essex Overlook Park (2.3 miles)
• William Szymanski Park (2.9 miles)
• City Hall Park (3.2 miles)

Hospitals

• UVM Medical Center Neonatal Intensive Care Unit (2.4 miles)
• The University of Vermont Medical Center (2.4 miles)
• UVM Medical Center McClure (2.4 miles)
• Vermont Regional Genetics Center (2.5 miles)
• UVM Medical Center Registration (2.7 miles)