@icashoutapp This probably would have been around the same time as when you set up yours...2008 or so.
I have a very vivid memory of the meeting that day. I recall being annoyed that an in-person meeting had to take place in order to set up something that would occur strictly in the digital domain anyway, but shrugged that off as a one-time only aspect of things. We were meeting at the corner office at the TD at Bay and Queen....
Well in the meeting as things were progressing the CSR just casually mentioned that 'oh yeah, there's a set up fee' and I
think but can't recall for sure, she also said there is an account closing fee, were I to close it. At that point I asked them if the setup fee could be be waived, she just said flat no, so I got up and left.
It's a strange thing with TD... I always got a strong sense they didn't care about my business. They do things like unilaterally increase fees or rates for no reason, or reasons that are contradictory to what's actually happening in the market.
I recall them increasing the rate on a LOC i had with them, this was a few years ago, but already the prime lending rate had been tanking and reaching record lows. I didn't even use my LOC, but I called them up to see if they'd stay the increase, but nope. No customer retention, and bizarre moves like this... just leave me stratching my head.