TD is behind the market again, charging $35.00 fees on debit card overdrafts of under a dollar, ripping off consumers by the way they process transactions (large to small) and encouraging debit card overdrafting. They should take a look at what Bank of America is doing. TD is doomed in the long run. Commerce Bank really drove the market in so many good ways. TD has nothing unique to offer and is very good at upsetting customers. I expect to see branch closings and consolidation in the near future as thousands of account holders leave. read full review »