I had an acount for over 5 years with commerce. Now that TD took over my account is a mess. The online banking available balance does not really mean available balance. And they insist when I call that nothing had changed. They are rude and careless on the phone. I have never had so much problems with a bank before. I am transfering my balance to etrade, and open a new checking with a local bank. And my fiance is doing the same with his account, because he has the same problems. The favorite customer service line is "we send you an information package three month ago" -well now.guess what you can do with that? read full review »