Here's another pile of crap they are serving, my wife goes in there with a letter from an online payment service, stating that they made a draw on the account in error, instead of useing the funds from the online service, they took the payment from the TD bank account. She goes to the branch with the paper, and they tell her that the payment was already made, so they cannot reverse it. Since then, over $600 has been sacked from the account, however usually when I call the 800 number, they refund it, and here is the best one...

Because the balance went over $100 at any time during the month, they took a $15 service fee, which bounced me again, followed by a $35 overdraft, leaving my account with a -$49.35 balance... I have been told that the next deposits placed into this account will have all negative draws assuming a $35 fee...

They refused to refund the $15 but did refund the $35. so I am still getting hit for another fee or so on the next deposit...

Two things I suggest, don't bother going to the branch, because the so-called "Customer Service Representatives" are powerless, more likely worthless, second, use the 1800 number that used to be the Commerce line, if you ask them to remove the one OD fee that sent the account into abysmal compounding fees, once they correct the original, you usually get hundreds back when all of the other payments all of a sudden are found to then have been sufficiently funded...

Second thing, throw out the Debt card and go to another bank...