TD Bank sucks and as soon as i can im leaving the bank. when it was commerce we never had any problems and even when they changed names we didnt have any issues. Our issues BEGAN when this bank decided they wanted to "upgrade"their system which has now put us in a world of mess. Apparantly what they dont tell you is they put you on sometype of point system that lets you go in the hole on your account. WTF is that. On top of that we were told that they had fixed our account and we would not have overdraft fees and my hubby checked today and there were fees from last week cuz this stupid banks system cant catch up now we're struggling.They are rude, and inconsiderate and make you think that its your fault for thier system being screwed. i shouldnt have to check my account every 2hours just to see if my money is there. Oh and if u can just take ur money dont do debit cuz thats where all the problems arise.bv