To be fair TD, needs the service charges because Ed Clark needs a $6,000,000 Christmas bonus if he's not going to fall behind the other banking CEO's. He might make it too with all the wages they save on $13 or $14 an hour tellers. I don't know if TD is ripping off their customers, but they might be ripping off some of their employees.

Hahaha when TD has to troll forums you know they're guilty lol.

Either way, props to Erin from TD for providing a contact email to try to resolve this.

Hi, it's Erin from TD.

DanielBL, you might just be right. To be sure, we’d need to know more specifics about the transactions and what happened.

If POC is interested, we'd be happy to look into this. Email us at customer.service@td.com, and we'll give you a call.

Thanks and sorry you had a bad experience.

Erin

Probably because you deposited the money after 6:00 PM on the last business day of the month ending on the weekend which, in turn, is likely the insurance ADR's withdrawal date. The insurance came out the following Monday but the withdrawal was backdated to Friday and your deposit was forward dated to Monday. Or something like that. Next time try to cover the ADR a business day earlier or at least before 6:00 PM.
(Or maybe it's 7:00 PM or 8:00 PM with TD.)

Speak to TD CS. If you sound contrite, they may forgive you this once.

This day and age, everyone needs to keep a close eye on their money. I HAD a TD bank account, and after conferring with over a dozen other customers, we all noticed TD is rearranging your daily transactions to put you in overdraft or bounce your payment completly.

FOR EXAMPLE. I had my insurance coming out. I ran to the bank, put the money in, ran home, checked my statement online, everything was fine. Money was in their before the payment came out. I checked the next day and TD rearranged the transaction so it said the payment came out first, bounced it, and charged me $40 for an NSF. This is total bull***t. The estimate on how much the banks have already made off of people who haven't noticed is now IN THE BILLIONS. MANY BANKS IN THE US HAVE ALREADY HAD LAWSUITS FILED AGAINST THEM FOR THIS! DONT LET BANKS TAKE YOUR MONEY!! WATCH THEM THEY ARE CROOKS!

I have PROOF that this fraud is happening and over a dozen other TD EX-customers do as well because we were all having the same problem.

DONT BANK WITH TD CANADA TRUST!!!!!!!!!!!