Archive for TD

TD meets loss with care, not complexity—introducing Empathy

Posted in Commentary with tags on November 12, 2025 by itnerd

Navigating the loss of a loved one can be overwhelming, both emotionally and administratively. To help ease these burdens, TD has collaborated with Empathy, a leading technology company that helps individuals navigate life’s toughest moments, to offer post-loss care to eligible clients who are using TD’s estate settlement services, including executors of an estate and their families. This support includes around-the-clock access to trained Care Managers and tech-enabled guidance through the many steps that follow a loss.

According to Empathy’s Grief Tax Report, an estate can take over a year to settle, require multiple hours of paperwork, and leave some families thousands of dollars out of pocket, even when plans are in place. To support families through these difficult times, TD is pleased to be able to offer Empathy’s care platform.

Empathy is available on a complimentary basis for eligible TD Estates clients. The TD Estates team is able to support with financial disbursements, while Empathy offers digital tools and Care Managers. The Empathy platform provides assistance that includes:

  • Personalized, step‑by‑step Care Plan that adapts to each family’s situation and priorities;
  • Real‑time human support from trained Care Managers for guidance and hands‑on help;
  • Benefits and claims support to help families identify and collect what they’re entitled to;
  • Grief resources, including audio guides, meditations and a private journal.

TD is the first bank in Canada to offer Empathy’s services, an innovation born from a successful pilot earlier this year with the TD Enterprise Innovation and Canadian Personal Banking Estates teams. This collaboration with Empathy underscores TD’s focus on putting people first, offering meaningful support when it matters most, and building lasting trust through life’s most difficult moments. This approach to innovation is fostered by TD Invent, a strategic effort across the Bank to power purposeful innovation.

FINALLY! TD Bank Provides Google Wallet Support For Its Cards

Posted in Commentary with tags , on October 5, 2023 by itnerd

Two years ago, I wrote about TD Bank not having support for Google Wallet and only having support for Apple Wallet. This angered users and sparked a petition to encourage TD to provide this support. I guess that this worked as 9to5Google is now saying that TD now has Google Wallet support:

The last major bank in Canada that didn’t support Google Wallet, TD Bank, has this week finally launched support for NFC payments on Android phones.

And:

Last year, TD Bank announced the shutdown of its own mobile payment service. Customers were reminded of the change via email, with TD then going on to announce that it would open up support for Google Pay and, in turn, Google Wallet on Android devices starting this week.

The email reads:

In October, TD informed customers of its decision to discontinue the TD Mobile Payment service. 

We recognize that mobile payments have become a part of our everyday lives and we are committed to offering a variety of payment solutions for our customers. 

Today, we are happy to announce the launch of Google Pay; customers now have the option to add their TD Access Cards and eligible TD Credit Cards to their Android devices. To start using your mobile phone today, add your TD Access Card or eligible TD Credit Card(s) to Google Pay, if you have not done so already.

I really don’t understand why it took so long for TD to support Google Wallet. It’s almost as if they didn’t want to provide this support, and ultimately were forced to support it for whatever reason. This really reflects poorly on TD. But I am sure that Android users who are TD customers are happy about this development.

Petition Launched To Get TD Bank To Support Google Pay

Posted in Commentary with tags on April 20, 2023 by itnerd

I wrote a while ago about the fact that TD Bank doesn’t for whatever reason support Google Pay. At the time I said this:

I find it mind blowing that in 2021 TD Canada doesn’t support Google Pay as there are a ton of Android phones out there due to the fact that a number of companies make Android phones with the hardware to do contactless payments. TD Canada really needs to do something about this because this is a serious #Fail and at some point, customers of TD Canada will start dealing with other banks in Canada who supported Google Pay ages ago.

That was in 2021 and two years later, there is still no support for Google Pay. That’s where this petition hopes to change things:

Android TD_Canada customers are stuck (in 2019 no less) with no reliable mobile payment system.  TD Canada has decided instead of letting Google handle mobile payments through platform integrated GooglePay, they themselves will take on (duplicate) the development burden and create their own payment app.  The resulting app doesn’t work on Android 10, doesn’t even support their own debit card, is a pain to open, and only has SMS based 2fa.

We hate it, we all hate it, it’s terrible.

Complains have been going on for years, through constant tweets falling on deaf ears.

Even more frustrating is that they have allowed ApplePay through iPhone for years.

TD is falling behind even small credit unions providing GooglePay support.

Get with the times, listen to your customers, stop thinking your development team is better or more equipped than Google.  

GIVE
US
GOOGLE
PAY

As I type this, this petition had just under 2700 signatures. That’s not a trivial amount. But it highlights the fact that TD bank has not only dropped the ball, they dropped the ball years ago. And people on Team Android aren’t happy. And rightfully so.

TD Bank appears on the outside to be a customer centric organization. This is their chance to prove it by adopting Google Pay.

Starbucks and TD Canada Expand Partnership

Posted in Commentary with tags , on March 1, 2022 by itnerd

Starbucks Canada and TD are revolutionizing rewards in Canada. Building on the partnership announced in 2020, Starbucks and TD are enabling millions of TD cardholders to earn accelerated Stars and TD Rewards or Aeroplan points with purchases made through the Starbucks® app, when they link their Starbucks Rewards account to an eligible TD debit or credit card.  In addition, once customers have linked their Starbucks Rewards to a TD debit or credit card, they have the ability to convert TD points into Starbucks Stars in real-time to use toward free food or beverages at Starbucks – an industry first in Canada.

The announcement is an evolution of Starbucks and TD’s first-of-its-kind partnership, which gave TD Aeroplan Visa cardholders the ability to earn accelerated Aeroplan points at Starbucks stores. Now, the program has been expanded to include millions of TD card holders, making rewards more accessible than ever.

Reaping the Rewards

A Loyalty Trends report revealed that 47 per cent of consumers believe reward incentives are more important now than they were pre-pandemic, with Gen Z and young millennials  valuing loyalty programs the most. As consumers continue to lean into loyalty programs, Starbucks and TD are making it even more rewarding for customers to purchase through the Starbucks app. 

By linking a Starbucks Rewards account to an eligible TD Access Card with Visa Debit or Credit Card, customers will:

  • Earn 50% more Stars on purchases or card re-loads made through the Starbucks® app.
  • TD Rewards or TD Aeroplan card holders can also earn 50% more TD Rewards or Aeroplan points on purchases through the Starbucks® app.
  • TD Rewards cardholders can convert TD Rewards points to Stars in real-time to use toward free food or beverages at Starbucks.

Some restrictions apply.  See terms and conditions

In addition to earning Stars and the perks that come with being a Starbucks Rewards member – like the ability to mobile order; earn and redeem Stars for free food and beverages; a free birthday beverage; and more – now TD customers can also earn TD Rewards and easily convert them to Starbucks Stars in real-time through the new TD Rewards Hub.

Through Blockchain and other innovative technologies, Starbucks is exploring how to tokenize Starbucks Stars, creating the ability for other merchants to connect their loyalty programs to Starbucks Rewards. This will enable customers to exchange value across brands, engage in more personalized experiences, enhance digital services, and exchange other loyalty points for Stars at Starbucks.

This approach will serve as a foundation for a more aspirational concept for new, modern payment rails that align payment expenses with the value received by customers and merchants. Starbucks intends to be at the forefront of this disruptive innovation, which will unfold over the next few years.

TD Canada Trust Hit By DDoS Attack

Posted in Commentary with tags , on March 21, 2013 by itnerd

If you are a TD Canada Trust customer, you likely couldn’t get access to your accounts either by mobile or by web today due to a Distributed Denial Of Service Attack according to IT World Canada:

The service disruption was experienced around 10 a.m. by TD clients attempting to access their online accounts. As late as 3:30 pm today, some customers could still log into their accounts.

Now DDoS attacks are not new, but here’s why I’m writing about this at 10PM EST:

“This is very similar to the DDoS attack experienced by banks in South Korea,” according to Claudiu Popa, principal of Toronto-based IT security consultancy firm Informatica Corp., who tweeted about the disruption  he experienced first hand as he attempted to access his online account today. 

He said, it appears that attackers had targeted TD’s backend servers but have left the bank’s client-facing web site untouched.

“If you want to cause massive disruption but not steal any data, this is a smart move,” he said. “The site is still up but no transactions can take place because no one is able to log in.”

Is Claudiu Popa implying that someone has copied the tactics used by the North Koreans who were thought to be responsible for the attacks on South Korean banks and TV broadcasters? Or is he implying that the same people behind those attacks are behind this one. His comments could be read either way. I’ve reached out to Popa for a clarification. If I get a response, I’ll update this story.

Update: Here’s what Popa had to say to me: “The two attacks are similar in 3 ways: DoS, large bank, apparent purpose being a show of force. No other correlation.”