Beware of this bank. I was a happy customer of Commerce bank and since TD took over it has changed a lot for worse. Last thing is that they have changed the way the debit card operates without my permission. Before the change, payments that exceeded your balance didn't go through. Now they go through and they charge an outrageous overdraft fee, 35USD per item. They also process the payments from higher to lower amounts, in such a way that the number of overdraft items is maximize. For example, if you have 100USD in your account and you make one payment of 100 hundred and 6 payments of 1USD, your 6 1$ payments will be consider overdraft and you will have two pay 6 times 35=210USD. If they processed them in the opposite order you would only have to pay the fee once. The customer service has really worsened as well. I asked them if I was opted in in any other service without my permission and they very unfriendly asked me to read the 50 pages booklet that they sent after the merger.
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