Toronto-Dominion Bank (TD) is betting big on the future of branches, investing in a massive brick-and-mortar expansion even as its U.S. competitors increasingly question the future of the traditional storefront.

The wisdom of investing in bank branches has become a fiercely-debated topic in recent months. Banks are slowing their branch expansion efforts, as persistently low interest rates, the soft economy and decreased foot traffic all reduce the profitability of the physical locations.

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