this bank just has all sorts of scams in place i look online at my balance (because i don't trust them) make a deposit come right back and check it and the balaces don't match. They give you NSF fees when you are not negative maybe because it just says debit with no description so they get lots of money for customers that don't notice this scam. It is the worst bank ever.

Where do I begin, since the "merger" with Commerce (my original bank), I've had nothing but problems with TD. They allow falsified charges from KNOWN scammers, (one without even the proper routing number on the fake check) charge overdrafts for these debits and make you go through hoops to reverse them, IF they reverse them. They allow you to CHARGE (debit visa) beyond your balance and hit you with $35 OVERDRAFT fees for charges under $10. Their "customer service" claims they do this to "save" you from the embarrassment of the card being declined. Really? So you are saving me from embarrassment by charging me $35 to make a $7 purchase. I work retail and deal with customers using debit every day, other banks simply come up as "Declined", no embarrassment, got to pay another way. TD does not give you the choice of alternate payment, they merely rape you for the privilege of not being embarrassed. Oh and they wont let you know you are overdrawn, but WILL continue letting you make debit purchases (and more overdrafts). Tne only reason I have not left is that I havent had the money left over after bills to open a new account elsewhere, with sufficient timing to switch my auto deposit/debits to the new bank.

I fully admit that I made a mistake with my bank account. I did not receive my banking statement from TD in September or October and completely forgot to go to a branch and request one. That said, I used my debit card for a purchase which caused an overdraft. However, I was not notified by TD Bank for over a month about the overdraft and although I continued to use the debit card with no problem, each purchase caused another overdraft along with high fee. When I finally received the notice from TD, I immediately went to a local branch to speak with a representative. I was told that she would "Attempt to get the overdraft fees either waived or reduced". I then deposited enough money into the account to cover any other purchases made prior to my knowledge of the original overdraft & to cover half of the overdraft fees. I was told the representative would call me the next day with an answer. No call the next day. Two days later I called, was told she was with a customer and would I hold. I replied I would. I was on hold for 20 minutes and finally another rep got on the phone and told me the rep had left for the day. I called again the next day and was told she was out to lunch and would call me on her return. Again, no call from the rep. We are now up to the fifth day of this nonsense, I call, am told that the rep is out until after 'the new year', which was 9 days from my call. I then drove back to the branch and spoke with the manager who told me he would attempt with 'Regional' to get some of the fees waived and he would phone me the next day. No call came in the next day, however; he called the 2nd day and told me that the request was denied. He also told me "TD Bank only waives fees if it is their fault". I feel it is their fault, had they notified me immediately of the problem, I could have stopped it. Instead, when they withdrew the original overdraft fee (outrageous amount), it then created a domino effect causing each use afterwards to be an 'overdraft'. If TD had sent out the statements in September and October, none of this would have happened. They were in the midst of their 'change-over' from Commerce and royally messed up not just my account, but thousands others. Why will they not take responsibility? I am willing to pay 1/2 the fees, but not the full amount of over $500 (for four overdrafts!) plus a $20 fee for low funds in the account, whatever that means. I had overdraft coverage with Commerce, why was it not carried over when TD took over? I now understand why so many have left TD since their takeover. I am leaving them also and I will not pay any monies towards the overdrafts because of their non-cooperation and rudeness. I have CD's in their bank along with a trust fund that deposits bi-yearly. I will withdrawl my CD's (taking a penalty if necessary) and stop the auto-deposit of trust fund and will take my money and business to another bank. Beward of TD, they are not customer oriented and it is disgusting that the taxpayers have bailed out all these banks and the result is they do not care about their customers.

TD is just a bunch of thiefs, aside from charging huge fees left and right,
they rearrange your tranactions to hit you with overdraft fees,
The statement they show online is different from the one at the branch.
Branch people and call center people are so rude and not helpful at all.
They dont show the tranactions as they happen. You cannot tell how much money you have if you check your balance online. They confuse you to make mistakes to charge you bogus fees,
I was charged 300+ overdraft fees when my account did not go negative at all. Even the branch person could not explain it... but gladly explain the fee!!!
I am puzzled by them - They are the worst bank ever existed. Just a bunch of crooks.
STAY AWAY...

They bounce on pending transactions but they do not credit pending deposits
What happened is I had + 43.22 in my account I made a deposit before the cut off
time of 300 .oo my account went in the neg 179.50 on pending transactions because they would not put my deposit in the pending . so deposit dont count as pending but debits count.
Just another way to screw the little person.