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"Do not bank at TD Bank. Don’t even think about it.
I became a customer via TD having acquired Commerce Bank, a 400 plus branch bank headquartered in New Jersey whose motto was “No Stupid Fees, No Stupid Hours”. Branches were open till midnight. If you kept a not-that-high balance, there were no ATM fees. And speaking of ATM cards, Commerce gave you them at the time of account opening."
https://www.nakedcapitalism.com/2019/03/td-bank-americas-inconvenient-bank.html
My experiences have been very positive with TD. This type environment is very YMMV. Not so much a right or wrong situation. Lots of sample sizes of one. 🙂
Td bank handles Target red card. A whole lot of people stuck at $300 Cl for a long time. No option to request a CLI