Have checking for persons over 50 with no monthly charges as long as I maintain $100 balance. Get free checks, free debit card, free coin counting/changing, free money orders (if needed). Account also pays a minimal interest rate. To date, I have never paid a fee. Have "high yield" savings which does not pay as much as the internet banks but it is easily accessible to my spouse. Have always dealt with courteous, helpful tellers and customer service staff.
TD bank started off very good. they have now charged me over 350.00 in overdraft fees for 2 and 3 dollar pending charges. How am I negative any funds I get direct deposit every Friday and my bills are not even paid out of this account. This is just my play money account. When I call to find out why the charges if there is money in the account they cant justify the charges. The are ridiculous and there customer service is horrendous. I have had the account for a little less that a year and am closing the account now.
I have been trying since Octoboer of 2013 to get one person to return my phone calls in reference to a property that is listed on the foreclosure list. As of date not one phone call or email has been responded to.