If there is a zero star I would give it to them! I was using this bank bcoz bcoz my husband suggested to me and he is also banking with them but they are terrible in handling customer service! We have gone to td bank and tell them the problem and this lady has no consideration and she don't care if you say I am closing my account and said ok that is not a problem so that's it! She never care if you are a valued client for over a years she don't care as long as she's being paid!Don't bank in here