When I first opened my account here, (when it was still Commerce Bank) one of the questions I asked the rep was "What is the procedure for closing an account?" She replied that it was simple- just draw all remaining funds from an account and it closes automatically. Two weeks later it was TD Bank. The problems begin. Two years and an unbelieveable number of problems later, I finally decided I'd had enough of TD's unfair fees, phony overdrafts and disappearing money, so I drew all funds from my checking and saving... read full review »