Let me start by saying that we are a single income family with three children, all in school. After a rough financial year in 2009, we've spent most of 2010 playing catch up and just trying to make ends meet. Running a household on one income is not an easy thing to do as I'm sure many of you know. I started noticing these insane overdraft fee's being deducted from our account back in September when school began. They hit us with $175 which is a lot of money to us. Especially when school supplies & uniforms and all that good stuff need to be purchased. I am by no means saying that we never go negative in our account because there are times when we do and a fee is of course warranted...however I began noticing that TD seems to have this very calculated way of picking & choosing what they clear and when they clear it and it's ALWAYS in their best interest. The latest incident, which is what provoked me to begin looking into their practices and ultimately brought me to this sight began this past weekend. We noticed that we were negative in our account after 5 pending items had come in. We made two separate cash deposits to cover this negative balance over the weekend. I wake this morning to find that we were hit with $175 in overdraft fees. I checked our history and saw that both deposits were "cleared" on the 29th and two of the five pending items were also paid out on the 29th. How convenient. So someone please explain to me what the $175 is for ? If I were hit with say $70 in overdraft fees I would say ok...two pending items came in, the cash hadn't cleared yet and they paid it out anyway, we owe them $70 for doing so. But $175 for what ? There are still 3 items in pending which haven't even cleared yet...how are you charging me an overdraft fee for that ? I could go on and on here but the bottom line is that TD BANK IS JUST PLAIN AWFUL to their customers. When you call customer service it's like they are reading off of a cue card and that's all they have for you. No help, no assistance just some well thought out explanation of why they are taking money from you. It's Christmas time folks...that $175 could have bought a lot of gifts for my kids, instead it is sitting with TD BANK...I plan on reading every last complaint here to find out where and who I have to talk to to shed some light on their unethical, immoral and plain old WRONG way of doing things.