I wonder who at TD thought this was a sufficient solution. I want to enter an emoji just to see what happens.

I could understand the restriction. But the way it's phrased makes me worried about how it's enforced beyond asking nicely 🙂

Should try using non-BMP Unicode characters that aren't Emoji... e.g., write the note in Shavian!

Yeah, the prohibition on "emoji" is a really strange one here. Read literally, it implies that they support 1,110,934 Unicode code points out of the 1,114,112 currently assigned. This is probably not what they mean.

Let's be charitable, short of evidence to the contrary it seems likely they have proper input validation and just included that as a helpful (if poorly worded) note about what could well be the most common issue.

Sure, but the biggest issue here is that bytes is bytes. Why can’t I include a pile of poo in my memo field? It seems so unnecessary. More to the point, if they block emoji for actual *reasons*, it seems likely that they also need to block, e.g., CJK, which would be bad form.