I've been with TD Bank when they bought Peoples Heritage out. I like the simply free checking they offered. Well when Commerce bank bought TD Bank I thought ok, we'll go with it. Ever since they took over, I have paid them more than what I make working everyweek in overdraft charges from companies that were not authorized to constantly take money out of my account. When I asked about the overdraft protection you have to fill out a credit application. I don't have credit. So I can't get this coverage that I used to get under... read full review »