I opened my account in Philly about 3 1/2 years ago. While using TDbank in Maine(which was a major pain in the ass because their systems didn't link up) the branch manager told me that I am very lucky to have this account because I will be "grandfathered" in for the no atm fees forever. Well I guess now I was wrong! I was just charged my first $15 dollar maintenance fee for my balance dropping below $100. I keep almost 99% of my money in an online bank that pays super high interest and charges no fees whatsoever(Ally.com)!... read full review »