monstergirly said:
I have the same TD USD account set up that you (CDNPR2014) have and the "US Bill Pay" is frustrating. You can't use the account number, etc. to set up automatic debits either.
I only have one US bill left to pay and I ended up calling them and was able to pay by phone with my TD Visa debit card out of my CAD account... It's not the best thing but it's ended up being more convenient than the "bill pay".
Edit: if you do open a US based TD account you can transfer between TD Canada Trust and TD Bank OVER THE PHONE for free, not online. I was doing that for a while. It was a pain but it was free and the customer service was great...
Thanks for your input! yes! you feel my pain. i realized this right after I opened the account and asked for the banking inf. I was pissed and kinda felt scammed into opening this account rather than the other one. the account kinda sucks, doesn't it?
I went to the bank this weekend and I found out the bank will issue me US Bank Drafts for FREE. I am not sure if this is because of the borderless plan or because of my husband's saving's account i'm connected to (I Was told "oh, because of the type of account you have, we can issue you free US bank drafts"). Either way, this seems to be the cheapest option (I hate paying the exchange rate at the banks). I can also get a book of US checks for $50. At this point, either i'm going to just do all bank drafts or pay the 2 bills that go through correctly online, and pay the 3rd by draft. at least i found some solution!
I'm wondering about the other US TD account. if I get one, will I be able to deposit us funds directly from a canadian branch? i still may look into this if it's possible...