Stay away from TD Bank, save your money.
Their online system is totally disengaged from reality. Sequence of transactions doesnt jive with reality, so your balance becomes negative and TD Bank will change you with overdraft fees. Customer service would not help you at all. They did agree in local branch and suggested not to use online tools to check account balance or look at my transactions, instead they suggested to use a registry book (a paper version of my balance). It is 2011 and I should be able to check my balance and it should be accurate.
One day I walked in local branch and asked for my balance; the teller said that they can only tell me what balance I had two day ago. Is this a bank institution or a joke? I think after they became TD Bank, they outsourced and modified transactions processing, because for many years with Commerce Bank I havent seen such discrepancy. Few month ago my balance went from $3000 to -$3000 (3k negative). They froze my account and also admitted that it was due to programming glitch.
It happened on Friday, so they suggested to wait till Monday till they resolve this issue. I could not use my hard earned money entire weekend, I could not buy anything for my wife and kids. This is ridiculous. Ive had a very disgusting and frustrating experience with TD Bank and just want to let you know what Ive been through, so you dont go through this like many people did including myself.
I paid over $300 in overdraft fees just to get out of this bank. TD Bank became a very sloppy American business.
I switched to bank and I really enjoy great online tools and awesome customer service. TD Bank will go out of business. Sorry, allowing you to give a competitors name would instigate others to just file against their competition, to only come back later to suggest their company. Plus, if you post a competitors name more than likely they will show up on search engines as a Rip-off! - - your comments on this policy are welcome.
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