TD refused to set up an electronic funds transfer (so I could move my own funds to another personal, but external bank account) since I'm not currently living on Canadian or American soil. They offered to send me a physical cheque in the mail. Ironic that they beat the two-factor authentication to death but are willing to send cheques by snail mail. It is unacceptable for a bank to withhold a person's funds for such a reason. Nothing but infuriating not being able to access my own money.
Recommendation: Don't bother unless you never plan to leave the country