I received a maintenance fee on my account and inquired why. They told me because my balance dropped below the required amount one time that month. I then asked if I could convert my account to a free account and they told me only if I came to a branch office in person. So I went to the bank on my day off and asked the same question, was told it was converted, and I left. Today, about a month later, I noticed a maintenance fee again. I called to inquire and got the exact same story. There was no sign of my visit to the branch office or request to convert my account. They also informed me they do not have any free accounts. All of their accounts have various requirements to meet or you get charged. So I don't understand why I was not told this before. This lack of accountability is out of control. I have only kept that account open so my kids and I can easily transfer money to each other through Zelle. I am closing my account and only using credit unions from now on. I don't know what I was thinking because TD has been nothing but a problem for me since I started with them. They also rejected my very first wire transfer, a very large sum of money for a down payment on the house I was purchasing, because the incoming transfer had my middle name but my TD account did not. They kept $40 for a reject fee too. Imagine my stress as it was Friday before the scheduled close at 9am Monday. I was also driving cross country in a UHaul by myself having to stop every 30 minutes to call and make sure it got worked out for Monday morning because the truck didn't have blue tooth. I should have closed my account long ago it seems. read more