Consumer banking

Toronto-Dominion — the Canadian bank known for fat net interest margins, the difference between what a bank charges for loans and pays for deposits — saw them narrow on both sides of the border in the fiscal third quarter.

Executives of the Wisconsin bank realized employees weren't getting enough direction so they adopted a strategy that breaks objectives into smaller steps.

Scotiabank's earnings topped analysts' estimates on a surge in profit in its international-banking division, fueled by a sharpened focus on Latin America. Bank of Montreal, meanwhile, fell short of expectations as growth was more muted at its U.S. personal-and-commercial banking division.

Readers react to regulators revamping the Volcker Rule and the U.S. Postal Service getting into banking, criticize HUD's plan to make it harder for consumers to allege discrimination and more.

Real-time transactions, reward points and early access to paychecks are among the features N26 is attempting to sell consumers here.