OK, I have been with Commerce Bank for 5 years. I say Commerce Bank cause thats who I signed my account agreement with.

This system merger and policy changes are in fact iffy.

So 2 weeks ago I overdrafted because they posted a transaction twice (go figure). I called and they said $35 for the fee, but they reversed it after like an hour.

I asked what the new policy was on overdraft since I have been out of the country for 2 months. They told me that all transaction can overdraft and I can opt out, I didn't....

So this sunday I had $77 in m account and I charged $143... thinking, OK so lets try this new policy and I will be in negative $66 with $35 fee so I will be negative $101 till thurs when I deposit some cash...

So since I made that last charge for $143 at the end of sunday and have not touched my account since then....

Oh yeah during sunday I made 5 transactions for less than 6$ each.

Everything posted Monday 11/2... they posted largest to smallest. So all 6 transactions overdrafted... since the 5 were small they posted the $143 first leaving me at approx negative $30. so when all the 5 trans hit.. it kept enlarging my negative...

end of story... $210 in overdraft fees.

Like I said, I have been out of the country for 2 months, so I have not been able to read any policy changes. But I do have internet access... tdbank.com does not have the new policy and the overdraft fee says $15 in their fee schedule.

and this is after having customer service point me to the PDF's.

they didn't want to credit me the fees... because they say I should have been more informed... from who? i am asking them for the policy changes online and nothing!

I was a Commerce Bank customer for a few years prior to the TD takeover.

Recently my TD Bank account was compromised thru loss of some checks, so a week ago I had to close my account and open a new one. SImple enough.

My local branch was helpful and efficient. My new debit card worked for a day.....until the "backoffice" processed the data.

The "backoffice" opened my new account, and then for some inexplicible reason, they CLOSED it. Now, my new debit card no longer works because the new account is CLOSED. Meanwhile, the compromised account for which I have no checks, is still OPEN.

I have NO ACCESS to my funds - it has been a week.

Oh, and just to be sure I'd have no access to my funds, they have locked up my money in some bizarre account in the bank that isn't even my own.

I spent the better part of 2 afternoons in my local branch trying to straighten out the mess---but the TD "backoffice" people won't even discuss the issue with the people in my branch. I was told that a particular backoffice person was to phone me with answers - but no one called. I spoke with my branch again, yet no response from the back office.

The fact that they have prevented me from accessing my funds, and yet it has been impossible to reach anyone to fix the issue or even find out what is going on is appalling.

I'm looking for a new local bank--
Be careful; the commerce people are great but the bank is completely dysfunctional.

I have just recently opened an account at TD Bank. This after reading several of the Pro and Con reviews. I have read a lot of statements. I have worked in upper level amnagement as well as blue collar work to get to the open understanding i have todate. What most of you are complaining about is valid. Many of you have even mentioned closign accounts and going to other banking institutions. Well, I have some valuable advice for everyone. "You must be out of your friggin minds"! Thats right, I wrote it. Nothing more to do than complain because you are too busy wanting to be heard. Well there has not been a complaint free, pain free, problem free, trouble free merger of any business in the history of mankind. Feel free to check it out for yourself. It is a painful reality but a reality none the less.
Now, considering every so often; one bank buys or merges with another. there will be transitional problems. the same thing happened, and i am sure the same people complained when Ma bell split, Chrysler sold to Fiat, Microsoft invested in Apple, Apple took the Intel chip, Sprint bought Nextel, AT&T bought Cingular, etc.
Get real people, the purpose of a bank is the same as yours, capitalize and grow by investing, reinvesting and acquistions to increase its size.
The secondary purpose of a bank is not to "manage your money". It is to manage it's investments. They do this buy borrowing your money, to invest in several markets. In return, you get paid a dividend of that investment (as interest).
Now, there is not a single one of you out there who would not ***** about how you've been put on the spot if you had promised to go into a department store and buy a piece of furniture for a great deal. But that deal had a time limit on it. you had to be back by the close of business tomorrow. Now, you have a friend who promised to repay you what you lent them.
That friend avoids you and skips out on your repayment. You lose the furniture deal. The sales rep loses his commision because the store manager agreed to hold it for "him/you". Everybody just lost, you lost face based on your friend. When you find your friend... you will want your friend to repay you for the headaches he's caused. There goes the penalty. But because it is happening to you, "it's not fair".
The second purpose of a bank is to securely store your money. That means that you are supposed to have an idea of hwo much money you have , budget appropriately and spend only what you are certain is available.
I work for a company that gets these types of complaints frequently, as well as the threats of going to other comapnies. Well, when you get to the next bank, serevice provider, what have you. You will find the same issues agter a period of time. liek the days as you are setting up the new service or account. As well in a few years or months when you begin to think they are supposed to monitor everything for you. Then the lies start. You know these lies. They tend to sound a lot like this " the otherr company never used to' , or "they would always ", etc. Then there is the statement that, quite honestly no one really cares about "im gonna close my account and go to...". Do you think that person standing in front of you at the register, window really gives a hoot.
You all need to put yourselves in the reality, you can't go threatening the little person who works just as hard as you do. They are trying to make a living and will not; should not be disrespected. by some irresponsible individual who just is too lazy to take care of there own finances and bills.
Thats right, Its always someone elses fault.

Isn't it! Isn't it?

I was a commerce bank customer for 10 years and I have absolutely had it with TD Bank. Convenient hours are of no help to me if I am worry what new policy has taken event to ruin my account of if their systems are working well enough to take money OUT of my account yet unable to process direct deposits (i.e my paycheck) or money transfers, etc. The wait time over the phone is always ridiculous and the bank is just awful. I will NEVER bank with TD Bank again

I have been a Commerce Bank customer for 6 years and never had a problem. They had every bank beat. Always friendly, helpful, convenient, etc. Even better was their online banking system and deposit policy. Payroll checks were deposited as cash as long as you weren't overdrawn. If I were to make a purchase at a local store then return home and look up my account on my computer it would show the purchase amount and remove it from my available balance (even if was technically still in my account). It made it so easy to stay on top of things. This bank has completely gone to hell since TD took over. Their policies have completely changed, and the online banking DOES NOT reflect what your available balance really is anymore making it even more difficult to keep up with your account, and they seem more concerned about finding ways to trick you in order to squeeze more money out of you than they are about customer service. I am certain that they will NOT receive the JD power award next year. In the meantime my husband and I are searching for a new bank...any suggestions?

As of tomorrow I am taking all my money out and going else where. Once the system changed, all the tellers became rude and just want to rush you out. I specifically asked a question to a teller when I last deposited money on Saturday and she gave me false information making me think my balance was one number and once my check cleared Tuesday I would have much more money. Tuesday came along and it was not there, she messed up and I have been spending money like I had it when it turns out I do not and am now ******. I do not care how great their hours are, I can not stay here any longer.

I miss Commerce Bank.

It is unfortunate that this had to happen. I have banked with TD for several years and recently started working there about a year and a half ago as a teller. As a customer of the bank I'd be upset too if I did not work their and have to deal with the issue on the front lines. It was the most frustrating week ever to have to work there. It was hard going to work each day in fear that our systems would still be down and some irate customer would come in an ruin your day with something you have no control over. The big-wigs of the company worked hard on the issue however they weren't the ones taking the brunt of it. It was myself and the other tellers/CSR who had no control over your ACH department. So please do not blame the people like me who, like all of you, didn't get our own ACH and direct deposits

Commerce Bank, was excellent and I enjoyed every aspect of banking there. Since the Tdbank take over. The customer service is the worst I have ever experience. The wait times are the worst of any bank I have ever been with. What is even more shocking is all of a sudden they pay any and every debit to my account at $35.00 per transaction opposed to the old policy of not paying the with no fee. If they do not correct this policy I am closing my accounts and taking my business elsewhere.

Their stock may be up but, TDbank has lost what made Commerce Bank so wonderful. It is a shame that management has gone to the dogs.

Everyone likes to make the joke about how 'inconvenient it is.' The funny thing is, in reality, it is pretty convenient. Think about it. Not making payroll checks available. Now, that's a courtesy to begin with, as payroll checks, yes, CAN IN FACT BOUNCE. Are they supposed to? No. But it does happen.

Also, every complaint I've read thus far has been about the merger, and half of you don't even really know what you're talking about. Imagine being a teller, having to listen to you scream, sit there and threaten lawsuits and curse for eight ours. Those people? They're tired. And they can't help it, and let's face it: Do you really want to give your all to someone who is screaming bloody murder at you? You'd rather help the person that is nice and kind and trying to approach this considerately, wouldn't you? I mean, just common sense.

The merger's been tough, but I've banked with banks, and so far, I've had no trouble with the bank. Okay, I couldn't get an accurate balance for a bit. Granted. But I knew where I stood. And now, looking at my account, everything is peachy.

No complaints.

So, if you buck up through this admittedly grueling period, TD's actually a pretty good bank. And believe me, I've seen some **** hole banks.

im very dissapointed. this is the worst bank in the world. thank god they fixed my account,not. as soon as they do im pulling my money out and going somewhere else. im telling you this bank will not make it 3 years. it will crash and it will be ugly. i advise you guys do the same