Where do I begin, since the "merger" with Commerce (my original bank), I've had nothing but problems with TD. They allow falsified charges from KNOWN scammers, (one without even the proper routing number on the fake check) charge overdrafts for these debits and make you go through hoops to reverse them, IF they reverse them. They allow you to CHARGE (debit visa) beyond your balance and hit you with $35 OVERDRAFT fees for charges under $10. Their "customer service" claims they do this to "save" you from the... read full review »