Banks Suck. Toronto Dominion Bank screwed me over a few ways… one was a line of credit with low interest rate, until I used it and they jacked rate up from 3% to 11%. Another I had a payment coming out that night, so I deposited money directly in the morning online. The recirds showed cash in, then latter.cash out with + balance. Next day they swapped the entry order and charged an NSF fee for when withdrawl came out first and left negative balance. I went right there and complained, they did not seem surprised and refunded me. But i closed every account, credit card, insurance, and RRSP I had with them. Now with a credit Union and it has been awesome.