Employees are great but the policies, procedures, fees, and job expectations are atrocious.
Pros
It all depends on your branch/department, but most of the people I work with are fantastic. Most of the customers are decent people, but you always encounter the few that are just downright mean. The PTO for full-time people is pretty competitive and they are very good about working around scheduling issues (school, family, etc).
Cons
First, the fees. TD Bank is always looking for new ways to charge people for USING THEIR PERSONAL MONEY. The fees are absolutely absurd and ridiculous, and (rightfully so) the customers complain a lot about it. Store management, and the rest of the store, get paid more in bonuses if they don't refund fees. $8 for a cashier's check (official check), $5 for a money order, $35 for over-drafting $5.00 or more in one day, 8% for non-customers to use their coin-counting machine, and $4 per month for their most basic checking account (TD Simple), just to name a few. The part-time PTO is terrible. The pay isn't great at all...I was told by HR that I'd be starting (Teller I) at $13.00 per hour, but they only started me at $11.50. The expectation of a Teller is to primarily sell products. They won't tell you that up-front, but you are held to a numerical goal on a daily, weekly, monthly, and yearly basis. If you don't meet your goal, you will be written up and could lose your job. You have to sell life insurance, car insurance, construction loans, personal loans, refinance packages, checking and savings accounts, business accounts, and TD Ameritrade accounts. This is absolutely ABSURD that tellers have to handle so much responsibility ON TOP OF their original duty: to process transactions. The SMs (store managers) are hardly in the store as their primary purpose is to get business into the store. They are overpaid for their position and take up an enormous chunk of the store's budget. They have no idea how to handle operations or run the store on a daily basis. The ASMs (assistant store managers) are charged with running the store on a daily basis, but they aren't paid enough for it and recently have begun to shy away from operations, which has had immediate impacts on the stores. You will have more than 3 managers at a time if you are a teller: store manager, assistant store manager, head teller, assistant head teller, and a store supervisor. Reporting to that many people is insane and extremely stressful. Overall, more and more expectations are being put on the tellers without any extra pay whatsoever. They are expected to know operations like the back of their hand, sell a variety of products, test the coin counter several times per day, lead store huddles on a rotating basis, and on top of all of that, process transactions.
