Td bank weaverville has on several occasions signed me up for overdraft "protection" without my consent. They have told me that they have a right to do this, as well as to re-order debits so as to maximize fees. I am not alone in being a victim of their practice of charging overdraft fees on occasions when i was not overdrawn. In fact, no matter how careful you are about never over spending, you will fall into their trap of ever increasing fees and penalties. Avoid td bank at all costs.
I did some business with TD Bank recently and was very pleased with the professionalism and friendliness of everyone. It was a great experience.