$105.00 worth of fees for 2 cups of coffee and $10.00 worth of gas. These items showed up on bank statement as (pending) with a potential negative balance of ($2.62), but no fees assessed. Made a small transfer from savings to checking to cover the pending items. Surprise!!! 2 days later the statement shows a negative ($97.00) of which $105.00 are hidden fees that had not shown on the statement when I made the transfer. Had I seen the first overdraft fee, I would have transferred enough to cover it. But because it was hidden, it just snowballed into one fee then the next and so on. To make matters worse, I called customer service and was scolded by a very condescending and judgmental women who I'm sure at one point was a drill sergeant in the marines. I now feel like a maggot. I'll never overdraw my TD account again. Thank you sir may I have another?

PEOPLE WE NEED TO WAKE UP &TAKE ACTION!!! THIS HAS TO STOP!!!!

Commerce Bank was "the most convenient bank!!!!" I told the reps at TD Bank that they really need to stop using that logo - its very unfitting. They may be open extra hours but they pound you with fees.

As a Commerce Bank customer, I used to line up by bills to be paid. If the money wasn't in there, the bills would not be paid. Fair enough. TD Bank, on the other hand, pays your bills then turns around and charges you $35.00 for each check they paid!!! It's criminal!!! I've been unemployed for over a year earning only $400 per week - 1/3 of what I used to make. If my unemployment check is late, although I'm trying to be current on other obligations, I got hit with $175 in bank fees.

Get this!!!! When I called customer service the girl basically said that it's my obligation to balance my checkbook!! It's a little hard when you're constantly robbing Peter to pay Paul!!!

And yet - just to add insult to injury - my government has bailed out this institution, which I am paying for and they come back to hit me with fees like this?????

Last edited 4 days ago by Calamidee

Where is Vernon Hill when we need him???

Last edited 19 days ago by Lesney

Those bastards subtracted $ 315.00 in overdraft fees. They charged $35.00 for .44 cents Kinko's copies fee. We pay for daycare $290.00 a week and since TD has stolen $ 315.00 from us we do not have the money to pay for daycare.

This is not the Commerce Bank that I loved. They are real scumbags and are nothing more than sharks. They looked at the trusting Commerce Bank cusrtomers as raw meat and they are taking full advantage.

An example; after working for over 40 years, I became unemployed and had my unemployment check direct deposited to Commerce. While as Commerce, I will complete the government's online questionnaire on Thursdays and then I would get a confirmation that I would be having money deposited into my account. Under Commerce, before the "merger", my unemployment money would be available on the Saturday. After the famous switchover, which was a foreboding of the worst is yet to come, now my money is not available until Monday!!! Three days later!!!! I called Customer Service to inquire and they said that Commerce was doing it all wrong and that TD wanted to get "the float" since they were not obliged to post the money until the Monday, unless Monday was a holiday, and then I would not be able to use the money until Tuesday!.

This is a bad bank. As Commerce Bank they got the JD Powers award for 5 years straight. Now they are in the bottom 5 of all banks nationwide as far as customer satisfaction and being trusted.

I once had three accounts and a few business accounts. By next month, they will be history.

They are bad service and a bad company. I hope that they go back to Canada.

I recently opened an account with TD bank the begining of February, I received my federal income tax check into my account. Do to me being a new acount the teller told me it would take five to seven business days to clear (thats standard). When I checked my account the next day it showed a negative $4,000, I called the bank which stated that my check is still pending and I should have an available credit of $100 in the next few days and my check wont clear for ten business days. They still never answered my question of why my account had a negative balance. I didn't like this particular persons response so i called again, the person on the other end said my check is still being verified but i should have an available balance of $500, after being on hold for about ten minutes the woman told me to re check my balance and $500 should be there which it was.

The next day after paying necessary bills i checked my account which has a negative $317, When I called to find out why once again my account is negative, I was told that i never had a balance of $500 and only a credit of $100, which was impossible because i checked my balance and made purchases. Now my check wont be cleared until February 24th and I will get charged over draft fees on my money. The moment my check clear I am taking all of money and closing my account. This bank is disgusting and no one should do business with them

I own my own small business, and I have to make frequent deposits in cash. The last few months, I made a cash deposit of $2000, but TD Bank would credit me for only $2oo! I am a reasonable person, and I understand this happening once, MAYBE twice, but not three times! Needless to say, this caused a lot of calls of complaint, stress, and frustration.
I went in to close my account, and when I explained the situation, I was not even apologized to. I love how they like to make it seem like it's your fault.
I've worked for many companies before, and no matter how much grief a person gives you, you shouldn't treat them so badly. I never had this much trouble with Commerce!

I have been with TD bank as an employee for 3 years - when they were Commerce. Yes, some things have changed but people forget that it was in April of 2007 when the bank was still Commerce that the "free checking" called "Yes checking" changed to requiring a min. balance of $100. The 50 plus recently changed as a result of the final phase of the merger at the end of Sept. 2009. TD has adopted Commerce's convenience & customer service model but they added a new feature to all checking accounts that have caught a great many customers by surprise because people generally don't read their mail or the brochures mailed to them informing them of changes. Banks are required by law to send & provide any such changes to customers. Nevertheless, TD is a very safe and sound bank but not perfect - no bank is perfect! TD may be "America's Most Convenient Bank" but it has never purported to be "America's Perfect Bank". I have no doubt people will find fault with the new banks they move their money to. However, they should be careful about leaving debts unpaid at the bank they are currently banking with as it may hurt their credit history if they do not settle these debts.

You should avoid at all costs the tdbank on 85th and 3rd. I went in to set up a business checking and they told me it would be an hour to see anyone and to come back later. I did, and it took 1.5 hours to set up the account. After 24 days, I still did not receive checks. I got a letter in the mail from my credit card saying my payment set up to my credit card couldn't be processed because of a bank issue. I called the bank and was put on hold, then was disconnected. I called back and spoke to someone who seemed helpful. He told me I needed to come in because the person who set up the account forgot to have me sign for checks. He said also at that time we will fix the issue with the credit card payment. We made an appointment for 5:30. I went in at 5:20 and was told he had already left! I asked to speak to the manager and they had me wait (as usual). Then, as I waited I saw the manager sitting at his desk, checking his computer, making calls. I approached him because I got tired of waiting. All this bank does is make you wait. I cancelled my account.

AFTER READING THIS INCREDIBLE REVIEW on another site " TD Bank has not followed the list of “Best Practices” with respect to overdraft programs set forth in the “Joint Guidance on Overdraft Protection Programs” a manual issued by the United States Treasury Department, The Office of comptroller, the board of governors ... "ETC...
I had to write in my own experience and to let anyone who has been the victim of TD banks new overdraft fee violation to write to the Better Business Bureau for EVER OVERDRAFT they incur.

I have had my business account with them for over 8 years...first with Commerce Bank and now with TD Bank. After having some problems recently (yes, the economy) i let the account be without some funds for a few weeks. prior to this period, if i ever had a zero balance on my account a charge was simply declined and i would have fixed the problem with either depositing more money or simply change how i paid a bill. I'm now up to over 600 dollars in overdraft fees. The latest fee was a 35.00 fee since i wasn't able to inform AMEX not to charge there monthly fee of $4.95 for being able to offer my customers AMEX on our online store. so, for a $4.95 fee, I have a NEW!! 35.00 overdraft fee.

I will be opening up a new business account tomorrow at another bank but the time in which it takes to track down all the charges that came into my TD takes time. 8 years of business and you have a lot of monthly charges that are automatically deducted. i have changed some but not all and i assume until this is done, i will be looking at a grand of new fee and overdraft charges. i could scream.... in fact, i have.

but by posting this notice i'm PRAYING that some class action lawyer will look into this and teach TD a lesson. but, i have sinking feeling that nothing can or will be done and i will just have to realize that i'm not really a citizen anymore of this country but a serf to the banks and our new world order republic. again, he' hoping this review helps in some way.