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I've been cut off <a href=" http://www.elsterschloss-gymnasium.de/index.php?valentra-crema.pptx#viewed ">valentra cream</a> TD BankNorth has taken a slightly different approach: first, they skirted the overdraft rules by leaving open a big fat loophole for electronic transfers — if you have given anyone direct access to your account, they can take out whatever amount they want, even if you don’t have it, unless you go into a branch and file a written request to block ACH overdraft. Then they just instituted a $100 minimum balance with large fees for dipping below it, which is brilliant because there’s no way of saying “I would rather bounce this request than go below my minimum balance.” This has made our joint checking account, previously used for groceries and such, essentially useless without a huge non-interest-bearing cushion.
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