This is EXACTLY what happened to me. Except i didn't flip out at them because i know the tellers don't deserve to be yelled at like that.. Tho i really wanted to.

For a normal person, it's pretty easy to say no. That doesn't make it okay, though.

For elderly people, people with mental disabilities, and other vulnerable people, it's extremely easy (and extremely wrong) to convince them to purchase services and products they don't need.

You answered your own question.

In the case of SDI. People fall for these scams because they're blinded by their own greed. How about saying no, do your homework and then go for the offer if you agree with the terms?

"There's no free meal". It's a damn good cliche for a reason.

have to kinda agree with OP on this one.

The only reason I have a TD account is because it is literally 15 steps away from my work, and my boss uses TD, so my cheque will clear instantly when I bring it in...

I always just cash it on the spot and give it to my wife... she puts most of it into our shared RBC account, and rest of it just use for everyday stuff.

So yea, there are only 2 transactions a month on my TD account, 2 cashed cheques...

All banks are like this. For one to think or expect otherwise is ill-advised.

who doesnt have $5000 in their account..come on :D
joke aside, i think TD is pretty good, i have the all inclusive acct which i know many of you have probably.
never really upselling except an extra page on easyweb when you first sign in, it asks if you would like to know more or just click skip.
Last time i phoned in, the guy was nice enough to let me know to download an app which gives me notification on my phone everytime a transaction take place in cheque acct or my aeroplan visa. i thought that was pretty neat
I, for one, like TD, lol

Wow, welcome to real fucking life where you have to be responsible.

Unrealistic sales targets? You are expecting a business to operate and be profitable correct? I am not saying it is right to scam or take advantage of you but in this scenario it is all your fault for not paying attention to your financials.

edit: Why don't you bitch to Grocery stores about asking you to donate $1 every time you checkout.
Thats aggressive and makes me feel bad every time I say no

It's okay to say no and don't feel bad about it. I felt bad every time I had to say stuff like that when I worked retail but we had to say it regardless.

Dont be baited by TD tellers when they try to act friendly with you

What if they have big tits?

Opposite experiences with TD. Been with them my entire life (I'm mid 30's) and they've never tried to upsell me some bullshit whenever I see a teller, in fact the opposite. I'd say once every 4 visits they ask me about my TD Low Interest Visa card with an annual fee of I think it's $25 or $30 and if I would like to consider changing to a free one because I'm not carrying a balance until I say look what my interest is and then they go speechless. Although I suppose they still get a sale if you will if I changed cards? But all I've ever got from TD is them looking out for my interests in terms of costs savings.

I pay $3.95 in fees a month for my checking which is acceptable to me. No real complaints to make me want to leave.

Good to hear that you've had a positive experience. Looks like the experiences vary from branch to branch. Thanks for a constructive reply

i bank with CIBC but i have a joint account with my wife with TD and it's day and night between the two banks


I've never received a call to ask how my experience was with CIBC in the 15+ years I've banked with them...whereas pretty much after some kinda transaction I do with TD, I get a goddamned survey call for the next 5 days.
The other thing that bugs me to shit about TD is the awkward small talk tellers try to make based on info they pull from my account.

"How's work at X going?"
"...you've been at X, X years, what's it like?"
"Seems like you got a raise at X, nice!"

Uh, if i want to talk about my private life, I'll bring up my private life. I hate small talk, it makes it even worse when the stuff you're telling is stuff I know you've read from my profile. Just shut up and do your job, and let's make this transaction quick and easy.

CIBC, by contrast, has never done that to me. Hell, beyond the Hi, how's it going, they've never tried to chat me up based on anything from my account unless it was something that could be beneficial to me (ie. a LOC increase, a beneficial change to my account, etc) which is great.

Only great thing about TD is they definitely hire hotter tellers than CIBC.

When ever RBC calls me to get me to sign up for some service I usually just say I am in the washroom atm and is not a good time. They usually won't call back for a few months at least.

They would've use their talents else where

funny i had a similar experience with RBC. I had a grandfathered account that had zero charges b/c i was a kid and when i moved as a teen i asked to update my account and the teller told me only way i can do that is to close the account and open a new one at their branch. new account meant i was incurring fees and when i figured it out they said too bad they can't re-open grandfathered accounts.

then when i cancelled telephone banking b/c i no longer needed it i realized it's been over a year of continually charging me fees because it was never cancelled. they could only credit me back a few months, it's all the system would allow them. for me it's RBC never again.

went from long term TD customer to coast capital, shittier machines, but no hidden fees and this charge , that charge, that's how TD builds so many nice buildings, but once i get a bigger balance , im back to TD, they have the most & convenient locations in town.

We can say this about all banks.
Minimize your interaction with them.
At the end of the day you're responsible for your finances.

General comment for the general consensus here: Are all banks ethically irresponsible then?

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There is nothing wrong with the bank informing people of products they offer, and really there isn't anything the bank as an entity is doing wrong.

The ethical problem is when sales reps push financial products knowing full well that are not right for the customer

You make a very good point. It's the methods that managers suggest employees to use that bothers me. Some employees are okay with it, some are not.

I feel like one day it'll stab them in the back re: Uber employees. http://jalopnik.com/companies-are-ma...not-1793047267

Open for discussion

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i've built a decently nice portfolio of clients over the years and i never try to upsell them shit. my old boss used to teach me when i was a teller to "do what's right for the customer" and i've stuck to that motto for my whole career in banking. my clients are sticky because they know I work for their best interests. i don't need to call random ppl or attempt to upsell to strangers because i make my sales targets off my portfolio + their referrals.

the people who get most upset with banks are the ones who probably don't have a relationship with an advisor of some sorts to look out for them. from my observations, the people who complain the most are usually the people who don't have money. the customers who do have money never have an issue with the bank, and if they ever did, it'd get resolved almost right away.

sorry folks but that's life. banks of course try to cater to the needs of all their clientele but because of sales quotas, the customers with money will usually get an overall better banking experience.

Good on you man, I'm glad to hear that there are tellers/bankers who have ethics. I'm sure there's plenty more, but our media just likes to show the negatives. Then again, it's almost an (naive) expectation that banks should be ethically responsible.

Glad to hear that you're looking out for your customers

yup :lol

that's incredibly short sighted. everyone has to start from some where.
my experience with TD mirrors Euro7r's.
i opened an account with them for my first job (which i didn't work many shifts since i was still in hs). TD kept nickle and diming me bc i didn't have enough funds in my account. eventually i got fed up, closed that account and never looked back