TD Bank This bank sucks ripping everyone off with very unfair over draft fees and Arranging deposits to there advantage also delaying posting as to defraud us Of on time accurate account information This has to stop be for some Really stops them Fraudulent banking practices. F*d everyone over North Hampton New Hampshire

Of course you should be upset, in fact you should be very upset at yourself because it is your lack of action and failure to take responsibility over your accounts that has cost you.

If this bank is so bad and has treated you so badly for years, why are you still with them?

Since your mentality is that you must know so much more for the banks, it is just easier for you to keep doing what you are doing(nothing) and figure that eventually, at some point, someone may do something. Oh wait that already happened with the "checks" you received. Let me guess they were about $60-$80 each. But what you failed to realize is that not a single one of these "Class Action Lawsuits" has made the fees or the order banks process transactions illegal. The thing that they are about is the disclosures. Yes all of that "fine print" and Terms you agreed to actually do mean something.  By the way do you know who is the only group to make any money in these type of lawsuits...the lawyers. Every attorney involved(on both sides) probably walked away with at least a 6 or 7 figure payday. Some of the bigger cases they may have even hit about 8 figures.

Now if you really want to do something that will help you, then here are a few things you can do.

First maintain an ACCURATE Written Register. Every time you use the card, write a check, or have a debit come out of your account..WRITE IT DOWN and keep track of your remaining balance. Then NEVER attempt to spend more than you have available. This alone would probably save you from just about every overdraft fee you have gotten. Online banking while it can be an additional tool, was never meant to replace online banking.

Next is to understand your banks Funds Availability Policy, and cut-off times. As even if you deposit cash if it is after their cut-off time, it may not be processed until the next business day, and if you do this on a Friday night at 8PM that may mean it may not be
available until the following Tuesday.

One other thing to look at is the posting order, that is do they post credits before debits. If they post your debits first you will never be able to "beat" the money back to the bank as any deposit you make once you are Overdrawn the money you put in to replace it will not be counted until after the debits are taken out. This makes it even a bigger factor to NEVER spend more than you have available.

If you are unable to find this information out or still don't understand...go into a branch and ask them. They may even show you how to use a register and may even give you one because whether you believe it or not, they don't want you to overdraft either.

Oh and yes this applies to any bank, so if you actually do something and move to another bank, if you don't change your ways you will run into the same issue again. It may not be tomorrow, but it will happen.