I have been a TD customer all of my life and I have noticed a change over the last number of years.  Every time I go to the bank I am pressured to open a new credit card or change my accounts.  I get phone calls at night to review and add investment accounts.  I have known some of these tellers for 20 years.  I really don't care if it is a computer prompting the tellers or if there is pressure on the tellers to meet quotas - the effect is the same.  These banks are making billions of dollars off of our money and all of their service charges with little accountability or oversight.   I deal with the Royal bank as well and their service is deplorable.   It is about time the banks become accountable and have a little integrity. The fact that they have employee code of conduct policies is just there to cover the company from lawsuits.  TD can deny that they have any responsibility and that their employees are at fault.