TD Bank (and Scotiabank in Latin America) operate as independent entities outside of Canada -- those American TD Bank branches are branches for a different bank (TD Bank USA). In fact, I believe that TD Bank (Canada) simply acquired a US bank rebranded it. I believe they have basically nothing in common operationally.
But it’s also true that over the years, TD has had to merge systems and make changes. They’ve been operating in the US for about two decades now. So they’ve had time to merge and continue growing by merging companies in the US.
It’s true though. They aren’t entirely integrated across borders the way other companies might be. The plans and cards they offer in the US are a much better value than those in Canada, too.
They are becoming more integrated than they used to be. I just opened a TD Bank account linked to my TD Canada Trust account that I can (theoretically, still getting it set up) manage through my Canadian login.
