I have never had a worse experience with a bank. TD Bank will get your for everything they can. They charge fees that are not in align with the reason in addition to them editing profile information without customer knowledge. The 1-855 number hung up on me at least 9 times while trying to connect to a representative. The Customer Service representatives are not knowledgeable of their jobs and should be trained properly on customer questions and needs. I recommend using another bank for ALL your banking needs.