BEFORE TD Bank's epic software/database switchover--which disrupted the finances of thousands of private and business customers--a teller at my lovely branch in a dirty, dilapidated plaza in Middletown deposited my paycheck into another customer's account.

Apparently, it was far more important for this young lady to update her Facebook status [OMG!] than to read the deposit slip I provided her to direct my check into my account. After the transaction was completed, and my hand was on the exit door, she actually called out over the lobby: "is the last number an 8 or a 3?!"... This is AFTER she processed my check. I was a bit puzzled--deposit slip in-hand--and proceeded to leave. The deposit slip showed a wrong checking account number--this, just days before the "big meltdown".

The manager of the branch insisted that I "used the wrong type of deposit slip"--savings in lieu of checking. Never mind the fact that I have the deposit slip showing the wrong account information, it's the customer's fault. (She may have skipped that day in business ethics.) But, here's the kicker: it's been 11 days, and my paycheck is still not in my account. The overdraft fees keep piling up, and there will be a "credit memo" for the overdraft amount in my ledger the following day. Some days, my check cards don't work. When I call the branch, they put me on hold for two minutes, and report that "the money is back" when they pickup again. Where did it go? How is this possible? It's 2009!

My suggestion: avoid TD Bank at all costs--especially if you happen to reside in the Hudson Valley. Dirty locations, rude tellers, impossible electronic banking system, and unaccountable management: a recipe for financial disaster.

I've had the most horrible experience with this bank. I kid you not.

I received a letter last week stating that I was in the hole for over one hundred and fifty dollars. I checked my account and discovered that as of Thursday, that amount increased to two hundred and eighty dollars.

I went to my local branch and had the displeasure of being taken cared of by an extremely arrogant young person who basically told me in so many words that I did not know how to balance my check book and that he would credit my account for the two hundred and eighty dollars but "going forward, " I'd have to be a bit more careful! I repeatedly told him that I carefully monitor every transaction and do not charge or debit anything that is not in my account.

He would not listen. I was angry but happy to get my money and just left.

The next morning, I am expecting to see my money and nothing. I checked several times and nothing. I finally go back to the bank and speak to another young man who was also smug and arrogant. He accused me of " using services, " that had no right to! He practically accused me of charging/debiting money that I didn't have in the bank.

I got two statements from him. And I found a few interesting things: the first that they charged me twice for THREE transactions and that instead of two hundred and eighty dollars; they were supposed to credit me for three hundred and fifty. I am so furious. I live from pay check to pay check and this is killing me.

Further more, I called earlier to the customer service line because the bank was closed and was disconnected three times. I kid you not. I am on the phone right now (on hold) to speak to someone who is really not going to be of any help.

I am angry because there seems to be some type of problem with upgrades that they made to their system and they refused own up to it and instead chose to hide their issues therefore putting the customer in very precarious positions.

I am very angry and am seriously considering closing my account.

I have been a Commerce Bank customer since 2004 and was very happy with everyhting. Then TD comes along and buys this good bank and turns everything into crap. Since when did they start charging debit card overdraft fees? Not only that, but the fees are astronomical! $140 overdraft fee? Are you kidding me? I tried calling but after 45 minutes of being on hold i gave up. Sent them a message via the website and no reply. I am begining my search for a new bank ASAP! TD BLOWS!

I have 2 issues with TDBANK -<br />
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1. I missed transferring money from one TD Bank account to the other before a transaction posted and they hit me with a $70 overdraft fee! SEVENTY DOLLARS! <br />
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2. If you do not keep a minimum of $100 in your checking account every single day then you are assessed a $15 monthly fee.<br />
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PERHAPS THEY SHOULD HAVE NIXED THE CELEBRITY COMMERICIALS AND MARCHING BANDS AND SPENT SOME TIME ACTUALLY CARING ABOUT THEIR CUSTOMERS! I am going to find a local bank on Cape Cod that actually cares about my business!<br />
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I HATE THIS BANK!

The old system was perfect. They call this an "upgrade!" At least with the old online system I was able to see what all my purchase authorizations were for in real time. My available balance was shown in real time, now I have wait for transactions post before I see my actual available balance. I have to run a business that uses the VISA debit card several times a day for purchases. I can't be waiting 24 hours for them to post to the account.

I used TD Bank for the "CONVENIENCE" of their services and now TD Bank is just as bad as any other bank.

Who's bright idea was this?