I oppened my account at smitwtown branch. They tell you if your account goes to negative, and if you deposit the money same day you will not get charge any fees. You wanna believe it ? I did. They charge you the fees and when you call them, they tell you its not them, its the system, and there is nothing they can do about it. If you believe JD POWER associates reward and oppen an account, i will guarantee you that you ll pay fees no matter what they say. Every person you call from the TD Bank, tell you different reason for why i am charged for... read full review »