TD Bank Customer Service – Phone numbers and email

TD Bank (also known as TD Canada Trust here in Canada) is a bank that has grown beyond its original Canadian borders. In fact, there are now over 1200 locations throughout the US! Canada is not far behind that number, at approximately 1100 branches located through this vast country. If you need to find customer service information for either TD Canada Trust or TD US branches, then we’ve got all the information you’re going to need. Usually the best way to contact your bank – without having to go in to the branch in person – is to call them.

If you need to perform simple banking such as depositing a cheque or withdrawing cash, then a TD ATM will allow you to do that. We found a listing of all such banking machines in Canada on the TD website. It’s easy to search and find either a branch or an ATM! If you’re visiting from the US, then the location finder for either branches or ATMs is located here.

TD Canada Trust Bank – Customer Service phone numbers

We found two different phone numbers for TD Canada Trust, including one specificially for anything pertaining to TD credit cards.

  • For customer service and general inquiries call 1-866-222-3456
  • For credit card inquiries and questions call 1-800-983-8472 – This can include answering your questions about current charges on your card, or checking the balance on your credit card,

TD Canada Trust – Email Information

We found it difficult to locate one general email to send your inquiries to. Instead, we’d recommend searching for your local branch’s website, and then finding the manager’s email or whomever else you were hoping to email. If you guys do happen to find a general contact email, please let us know! And we’ll keep hunting for that email, too.

TD Bank has a secure email program called, quite logically, TD Secure Email. For more information on that email system please visit the TD website.

TD Customer Service phone numbers – US and International

The 24/7 customer service number for the US is 1-888-751-9000. If you’re currently living abroad, but want to access American customer service for TD Bank, then call 1-856-751-9000.

TD Bank Customer Service numbers – Conclusion

We hope you discovered just the right information you need to get your banking questions answered! With phone number contacts for the US and Canada, you should be able to connect to a customer service agent who will be able to help.

Canada Mortgage Rates as of January 11, 2021

A picture of a toy house with keys to denote Canadians wanting to know Canada mortgage rates.

What are the Canada mortgage rates currently? Many want to know because many people find themselves reevaluating their living arrangements due to COVID-19. As a result, more and more Canadians are looking to purchase a house where they can have more space and more land so they can feel safer. It is a new right now. So what are the Canada mortgage rates right now?

Canada Mortgage Rates Currently at 3 of the Big Banks

Scotiabank

Variable Rate Mortgages

Posted Rate
Scotia Ultimate Variable Rate Mortgage-Closed 3 Year Term3.350%1
Scotia Flex Value Mortgage-Closed 5 Year Term2.650%2
Scotia Flex Value Mortgage-Open 5 Year Term5.750%3

Closed Term Fixed Rate Mortgages

TermRate
1 year3.090%
2 years3.190%
3 years3.790%
4 years4.090%
5 years4.790%
7 years5.390%
10 years5.890%

Short Term Fixed Rate Mortgages

TermRate
Open Mortgage – 6 month5.750%
Open Mortgage – 1 year5.750%
Flexible/Closed Mortgage – 6 month4.250%

Royal Bank

Popular Rates

TermSpecial OffersAPR
2 Year Fixed2.090%2.150%
5 Year Fixed2.170%2.200%
5 Year VariableRBC Prime Rate – 0.550% (1.900%)1.930%

TD Bank

TD Special Mortgage Rates

TermSpecial Rate3APR    4,   5
3 Year Fixed Closed72.14%2.18%
5 Year Fixed Closed71.94%1.96%
5 Year Fixed Closed
High-Ratio9
1.84%1.86%
5 Year Variable Closed61.70%1.72%

TD Mortgage Prime Rate is 2.60%

Conclusion

The rates above are just a sample of the rates currently available today. However, rates can change, so it is good to either look at a bank’s website or contact them directly for latest rates.

Home ownership in Canada is high when compared with other countries and this trend will continue. (Approximately 66% of Canadians own a property.) And despite (or perhaps even because of) Coronavirus, Canadians are still looking for homes. As a result, mortgage rate shopping has become more important. Please stay safe.

TD Insurance Decreasing Deductible – What are the Details? (Canada insurance plans)

Picture of TD insurance logo to highlight TD insurance decreasing deductible.

Your coverage comes with extras such as the TD insurance decreasing deductible. This is what I received in my email a couple of days ago. I thought it was interesting as I had never heard of your deductible decreasing for your auto insurance unless you paid more in monthly premiums. Normally I would consider this spam and delete the email. But I was curious and thought I would do a little digging. What exactly is a decreasing deductible, and is it legitimate?

TD Insurance Decreasing Deductible – What is it?

Basically a decreasing car insurance deductible is a reward for good driving. Each year you you do not have to file a claim for an accident your premium decreases by 10%. Their website uses an example of if you have a $500.00 deductible and you are claim free you first year, your deductible reduces to $450.00. If you have another claim free year, your deductible drops to $400.00. Another year claim free, it reduces to $350.00. This is pretty cool, because the 10% is based on the original amount of deductible and not off current amount, meaning you save even more!

How Does it Work?

First you do not have to pay any extra to get the benefit. Also, it is automatic so if you have a claim free driving record when you have to renew your policy, the deductible will drop. Here are some other details from their website below:

-Applies to Collision or All Perils coverage with deductibles of $500 or lower.

-Earn a 10% decrease on your original deductible for each claim-free year until your deductible reaches $0.

-After you make a claim during a policy term, your deductible will return to its original amount at your next renewal. For the purpose of this feature, these events won’t be considered a claim: glass breakage of $200 or less, not at-fault collision, or hit and run.

-Even if you change vehicles, your lowered deductible will apply if replaced within 30 days.

Conclusion

The TD insurance decreasing deductible is a nice little benefit to have. Normally, it seems that you are always paying more for auto insurance so it is nice to potentially pay a little less. The amount of savings is not huge but if you have a deductible of $500.00 and you do not file a claim for 10 years and then have an accident that you have to make a claim. You could save $500.00! That is something for sure. Obviously it is better not to have an accident but it is good to know that there is some potential savings if you do have one. Not bad at all.