I've paid monthly bills from my TD Bank business account using Microsoft Money. Three payments never posted and I have incurred late fees, finance charges, etc. Customer servive is a joke. I waited an hour to speak with someone and they couldn't fix the problem which persists to this day. I was told someone would call me back. That was a week ago. Still waiting...
I'm taking my business elsewhere. TD Bank truly sucks!

I am unemployed and have been for 8 months. I woke up Wed Oct 21st and viewed my checking account on line which showed I had $319 in my account. My unemployment check was deposited that morning. When I viewed my account at 4PM in the afternoon my account was in arrears showing a negative balance of $47. TD Bank hit me with 3 $35 overdraft fee's totaling $105. I called them to have it remved and they refused. I spoke to the manager and he refused. I explained that I was unemployed and I could not feed my family and they kept asserting that it was my fault. TD Bank has just lost another customer.

Deposited $2, 300 in cash on Monday Oct 12 and the bank logs it in as $23 even though deposit receipt said $2, 300. This caused my rent check to bounce and a credit card online payment as well.

Second time this has happened this year. Isn't a cash deposit supposed to be immediately available?

I was a loyal Commerce Bank customer for over 12 years. I would tell everyone I knew that they were the best bank ever. When I moved to South Carolina I refused to change to another bank because Commerce was so much better that anyone else. Well I not know that Commerce Bank is DEAD and TD Bank is the Vampire that has taken over the once beautiful body.

First lets start with the transition on the website at the end of September. The F-UP that would never end. I love not being able to transfer funds between accounts, or have an idea of what my balance is because I can check online or connect via quicken for a week.

Then due to a problem with their processing they did not process a deposit until the next day. Charging me 210 dollars in fees. I called my local branch that refunded them promptly, since this was a Commerce Branch before the merger the people there are still interested in customer service. I thought it was a system problem and let it go.

Then to day to wake to 140 dollars in fees for overages. This is a secondary account for my Boyfriend to spend his budgeted money out of and I transfer funds into as needed. I never had a negative balance but the available balance went below zero. I transfered funds from my other account to cover what was out standing.

They tell me a the 1800 number (once you wait 20 mins to get someone) that they have a new FEATURE that allows you to spend more that what is availible and for that FEATURE they charge you $35.00.

Lets be clear! They are charging me because I might go over drawn. As you can see below the my account was never negative until they charged me the $140.00. If you want over draph protection they charge you a $5.00 transfer fee.

This feature is optional but they added to everyone's account! Not as an Opt-in but as an OPT OUT once you call and bitch.

Well I will be Opting OUT of TDBank.

RIP Commence Bank - I miss you

TD Bank should ditch their fancy little black and green vests for some nice plaid suits. They are as swarmy as a used car dealer trying to sell you a junker.

I was told yesterday, by TWO TD BANK EMPLOYEES, one a rep and the other her supervisor, that you cannot trust their available balance that is displayed in the online banking and the available balance on the ATM. These numbers don't reflect your actual available balance. However, only employees have access to the real available balance on their computer. I was told to keep a register, and after I told them I did, and I did it in real time, they said I did wrong. Why even have online banking or available balances at ATM's if they don't match what TD Bank is really debiting and crediting to your account?? Online banking is USELESS if it's not reliable. Going to an ATM and finding out your available balance is useless now as well. These available balances NEVER match how TD Bank is handling your account in the back room.

They apparently put debits and credits in order by their own warped standards, which is they back date items and hold onto deposits so that you overdraft...but they never show you that online...The only thing you see after having a balance above zero the entire time is a whopping overdraft fee. Seriously...would I buy $1.50 cup of coffee if I knew I was under and would be charged an overdraft fee of $35.00? Of course not - I go by what they tell me is my available balance...Especially when I have ZERO in pending purchases!

Yesterday, my account balance, while low because of mortgage and car payments, was still in the black. All pending purchases had gone through, and never once while we were checking their online banking (and balancing our books) did we ever go in the red. We even went by their rules, counting only $100 of our recently deposited money. Always in the black...Well, then they go and take all the tiny purchases, move those to the last purchases debited (even if they weren't) and then waited to the end of the business day to credit us with our money (last item of the day). So according to their system, we overdrafted, since the money wasn't there to the end of the day. Of course, I deposited this money 5 days before they actually credited us with it.

The employees, while not ultimately their fault, tell the company line, and don't seem to have compassion. They agree the account balances are wrong, and then blame you for looking at the balance! How dare I trust what TD Bank tells me is my available balance! That's just silly, isn't it?

TD Bank is losing us as customers. They have lost many of my friends. Apparently they feel that being open 7 days a week with long hours and an annoying penny arcade is good enough. I stayed with them for this long just because they have so many banks around my area. But, I've learned my lesson. I'm going to my local community bank and putting my hard earned money into my community and into a bank that has earned the trust of many friends and family members.

What is a better trait for a bank to have: Convenience or Trust? TD bank chose their road, and I'll take the other.