TD bank has been using overdraft as a cover to rob me. If I make a purchase they chose the purchase for the highest amount even it came in last and is 1of 4 they will pay the highest one and charge $35 for each additional one. They also instructed me to open a saving account over the phone which would cover me just in case I go over the limit it would automatically transfer the funds into the checking account. After they charged me over $210 in overdraft fees they stated the savings account was not set up properly and even though the money was available in savings it didn't matter and I was not eligible for a refund!!! They even charge overdraft for pending not yet cleared transactions stating that the money has already come out of the account and pending just means its coming out???! What? I transferred money to cover the pending transactions due to the savings account not working properly and they told me that it was paid before I transferred it at 9am of the same day and all overdraft fees still apply.!
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