diff --git a/ofxclient/institution.py b/ofxclient/institution.py
index 3a06588..299d9b8 100644
--- a/ofxclient/institution.py
+++ b/ofxclient/institution.py
@@ -131,14 +131,14 @@ def authenticate(self, username=None, password=None):
 
         raise ValueError(status)
 
-    def accounts(self):
+    def accounts(self, date='19700101000000'):
         """Ask the bank for the known :py:class:`ofxclient.Account` list.
 
         :rtype: list of :py:class:`ofxclient.Account` objects
         """
         from ofxclient.account import Account
         client = self.client()
-        query = client.account_list_query()
+        query = client.account_list_query(date)
         resp = client.post(query)
         resp_handle = StringIO(resp)
 
@@ -147,6 +147,10 @@ def accounts(self):
         else:
             parsed = OfxParser.parse(BytesIO(resp_handle.read().encode()))
 
+        if not parsed.accounts and len(date) > 8:
+            # TD Bank doesn't support full date/time string here
+            return self.accounts(date=date[:8])
+
         return [Account.from_ofxparse(a, institution=self)
                 for a in parsed.accounts]