Vantaggi
--More relaxed environment when it comes to sales. Nothing like the pressure cooker banks. --Customers seem to like TD compared to other banks. Makes for a less awful environment. --Core contribution for 401k. It's like a pension component to your 401k where the bank will just place a lump sum into your account each year, on top of the 401k match. --Decent benefits. Standard throughout the industry.
Svantaggi
--Retail banking is retail banking. It's still sales and customer service in a highly regulated industry that forces you to watch your every word and the customer's every transaction. --Bank is slowly trying to become more sales-oriented. While not as bad as other banks, could be a pressure cooker in a couple years. --While hours can be flexible, forget about any "safe days" that you know are available for social events. Every day now belongs to TD. Expect to leave at 8 PM one night and be back at 7 AM the next morning, even if you are a 20 hour/week teller starting college. --FSR sales are difficult to make. Life insurance training is lacking (and life insurance sales don't generate much sales points), and annuities are nearly impossible to sell at current rates. You're expected to be a trusted financial advisor, but you're not treated as anything other than a regular banker, so expect to deal with people rushing you for statements and debit card block removals rather than honest financial advice. --Pay is atrocious for banking. Lower than any other bank.