I totally agree with you I had the same problem last year and I'm totally 100% willing to file a class action suit with you. I had my attorney call his accountant an we met in his office to go over my account, which I have two accounts with TD bank. I have a pending investigation going on with TD bank now. I read today they police for on online banking an do you know they are not responsible for our money, if there is a computer malfucntion, or act of God as they put it, war, government. I think we as people are to together and stop these banks from taking our money. An people pleases read your statement, their policies, an waivers and make sure your money is insured at that bank contact smiling at [email protected]