I've a checking account on TD Bank in a combined consideration with my children for quite some time. As costumer I ask about individual bank account. The costs and costs to make use of and maintain such account were to extreme that I didn't start that bank account. After 3 months I acquired a declaration that such consideration was exposed without my permission, no-down-cost deposit, neither signatures taking that consideration was completed, and currently with a few costs for low-balance and preservation. That is undesirable.
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