It first started off where for some reason it said that I had 34 dollars available in my account. I wish I had proof for that.. -_- It shows differently in my history however. So I used the $30.81 on pizzahut. So I should have had about 3 dollars or so left. Instead, a few days later. I realized that an overdraft charge was placed before the pizzahut charge. I really don't understand why. So the pizzahut was finally charged with the overdraft charge (of course) and I haven't used my card since. So I thought I was overdrafted because I apparently didn't have enough, even though it said I did but that changed.. for the pizzahut purchase where I didn't have enough, but this is what baffles me.Today, I opened up the account online again and noticed that my negative available balance had gone down again! as of now, I am dealing with another Pending overdraft charge for another 35 dollars. I really don't know why since I haven't used my card since pizzahut!.

TD Bank's check posting policies are paramount to fraud.

I check my account online regularly, and when I don't check it online, I call the banking line to check my account balance. I had paper checks outstanding I knew were going to post to my account. On 5/5 the check still hadn't posted, so I went out and picked up a couple of things, knowing there'd be more money in my account on 5/6. At 12:01AM 5/6 the check outstanding still hadn't posted to my account. On 5/6 when I got up in the morning, the check posted to my account, but my bank statement claims it posted on 5/5, even though it wasn't there the previous night and even after midnight this next morning. So TD Bank not only posts the check to my account, and they paid it, but they charged me overdraft fees, not for the check, but for the two transactions I made the previous day that did not bounce the account, because those transactions were still pending, but when I made those transactions, I had plenty of money in the bank.

Now, another issue I have with them is this. I make purchases for oil, and it shows up on pending transactions. We use oil heat, and it's expensive. So I have $400 pending when I buy the oil. The next day, the pending transaction is gone, it hasn't posted to my account, it's just gone, and the money is back in the account like it never happened. 3-5 days later, the account actually goes through. That issue has never actually bounced my account, but what's the excuse for disappearing pending transactions?

I hope that sometime in the near future the banking regulations change specifically with this bank in mind. In the meantime, I will have to choose between Wachovia, Bank of America, Lakeland Bank, or Chase.

Most Convenient Bank? this is FALSLY Advertised byt this bank. After I had rented a vehicle from Hertz Rent a car and paid in full, Hertz continued to refer me over to TD BANK to remove the hold and TD BANK continue to push me over to Hertz to ressolve the issue. This Bank has conducted itself most inefficiently with service and falsly advertises it's deficient service as being something of competitive value. Contacting customer service and getting something done is a serious waste of time and produces nothing but headaches for the customer. This Bank is just one more reason why Americans MUST boycott the banking system!

TERRIBLE TERRIBLE CUSTOMER SERVICE! No one fully knows what they are doing. All I needed was a change of address and new card with my married name. Everytime I made my trip to the bank they had new excuses. So after 3 trips to the bank and several hours sitting and waiting I finally got my new card printed only to find out later when trying to use it that it was not activated when given to me. THENN I call customer service and they send me to an automated system to activate the card. So thinking it was activated once again the next day I try to make a purchase and all over again I find myself on the phone!!! On the phone with customer service again and they tell me my account was closed?!? Td bank seems to have many employees at their locations but no one that truly knows how to do there job correctly. I'm pretty sure the last person who gave me that card was not trying to help me at all. I'm pretty sure after this I will be taking my money and leaving Td bank! Bunch of idiots who throw you back and forth!!!

TD BANK IS CRIMINAL.. The chrage overdraft fees for money that was in the bank. Some new rule that they take
large bills first and then the small ones, so instead of charging me 35.00 once they charged me 245.00. I hate this bank, worst bank ever. STAY AWAY FROM TD BANK!!!