Customers Access to Banking
Accessible Products and Services
Barriers to access to banking services can be both physical and social.
We address physical barriers through branch and ATM design and retrofits, but this is only a first step in ensuring greater accessibility for customers with disabilities. We constantly work on technology solutions that enable better access to services at ATMs and through our phone and online channels.
+ Summary of accessible products and services
2013 Initiatives
Promoting Physical Inclusion • Supporting Customers with Disabilities training educates TD employees about our accessibility services and about serving all customers, including those with disabilities.
• We provide video remote interpretation (VRI) in three Canadian branches that are located near schools for the deaf. Through this service, hearing-impaired customers can conduct transactions in the branch using a pre-booked video link to a sign-language interpreter at the Canadian Hearing Society.
• We continue to improve our websites, adding accessibility features such as high-contrast text, support for screen reader software and closed-captioning for video content.
Promoting Social Inclusion
Social barriers to accessing financial products and services can include not having a fixed address or a poor credit rating that prevents traditional bank loans. Here are some examples of how TD is working with community organizations to create access to underserved groups:
• Named one of CNN’s top 10 microlenders in America, Accion East and Online provides necessary lending and education to “micro entrepreneurs” – owners of the smallest businesses, typically those with fewer than five employees and capital needs ranging from $500 to $3,500. Many of the owners are minori- ties and women. TD Bank, through the TD Charitable Foundation, committed $500,000 over three years to accelerate Accion’s microlending work from Maine to Florida.
• TD is the founding sponsor of the Financial Literacy Strategy with United Way. TD employees contribute as part of a multi-pronged approach that includes workshops, tax clinics & one-on-one counseling for low-income Torontonians.
These innovative programs explore ways to remove social barriers and increase access to financing. Our main effort to increase access to banking is through TD’s financial education initiatives. By equipping people with the tools and knowledge to manage their accounts, we can help improve their financial stability and personal well-being.
Workplace
Environment
Communities
How We Operate
32 FS14
TD 2013 Corporate Responsibility Report
Page 1 |
Page 2 |
Page 3 |
Page 4 |
Page 5 |
Page 6 |
Page 7 |
Page 8 |
Page 9 |
Page 10 |
Page 11 |
Page 12 |
Page 13 |
Page 14 |
Page 15 |
Page 16 |
Page 17 |
Page 18 |
Page 19 |
Page 20 |
Page 21 |
Page 22 |
Page 23 |
Page 24 |
Page 25 |
Page 26 |
Page 27 |
Page 28 |
Page 29 |
Page 30 |
Page 31 |
Page 32 |
Page 33 |
Page 34 |
Page 35 |
Page 36 |
Page 37 |
Page 38 |
Page 39 |
Page 40 |
Page 41 |
Page 42 |
Page 43 |
Page 44 |
Page 45 |
Page 46 |
Page 47 |
Page 48 |
Page 49 |
Page 50 |
Page 51 |
Page 52 |
Page 53 |
Page 54 |
Page 55 |
Page 56 |
Page 57 |
Page 58 |
Page 59 |
Page 60 |
Page 61 |
Page 62 |
Page 63 |
Page 64 |
Page 65 |
Page 66 |
Page 67 |
Page 68 |
Page 69 |
Page 70 |
Page 71 |
Page 72 |
Page 73 |
Page 74 |
Page 75 |
Page 76 |
Page 77 |
Page 78 |
Page 79 |
Page 80 |
Page 81 |
Page 82 |
Page 83 |
Page 84 |
Page 85 |
Page 86 |
Page 87 |
Page 88 |
Page 89 |
Page 90 |
Page 91 |
Page 92 |
Page 93 |
Page 94 |
Page 95 |
Page 96 |
Page 97 |
Page 98 |
Page 99 |
Page 100 |
Page 101 |
Page 102 |
Page 103 |
Page 104 |
Page 105 |
Page 106 |
Page 107 |
Page 108 |
Page 109 |
Page 110 |
Page 111 |
Page 112 |
Page 113 |
Page 114 |
Page 115 |
Page 116 |
Page 117 |
Page 118