13 May, 2025 While recently traveling to the U.S., I was completely locked out of my TD Personal Banking account. TD relies heavily on SMS-based two-factor authentication (2FA) for customer logins. I had, quite reasonably, disabled my Canadian SIM to avoid the usual price gouging and roaming charges. Luckily, I had their proprietary “TD Authenticate” app installed, thinking it would serve as a viable alternative. But when I opened TD Authenticate, I had been logged out, and logging back in requi...