I go to make a withdrawl from my checking account only to find out I have a negative balance of about $ 1, 000.00. So I go to the bank, turns out that some gas station took the numbers off my card and had a field day running up charges. However I do not have overdraft protection so why did TD Bank allow the charges? They claim ATM card can overdraft. Told them I never agreed to anything like that. They claim the policy changed in the summer and you have to opt out. Claims they sent notice, however if it is not certified it is not... read full review »