TD Bank - a chat between blind and deaf.

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- you are charging me fees for services I did not ordered
- these are not fees, these are penalties
- but when I pay my money I expect to receive services. what did you provide me with? 
- this is your responsibility to check your bank account daily as I do
- but could you please then to reveal the information why do you charge exactly $42.50 and not $5 or $150 for "the service"
- this is just a fee
- you said this is not a fee. I am paying customer. I pay monthly for the banking services. I pay for my check book. I did not order NSF service. What have you provided for that money? Have you written me a letter? Did you send me at least and email or text message? 
- we don't do that
- don't you know that emails and text messages are the cheapest way to communicate with your loyal clients? My company are ready to help you to provide such services. For $10 I would be happy to write, sign, and mail letters to your clients in such situations (postage included). 
- we don't send anything to the clients. But at the day of NSF happening you can restore your positive balance and avoid the fee
- but how should I know that it's happening in my account? 
- you have to monitor your accounts daily, better a few times a day
- what if I sleep? 
- it is your responsibility
- is there a chance for me - may be a tariff option or a service plan-  which would restrict you to use my money when the balance is zero? I would like the bank to be as my wallet - if there's no money - just say there's no money. Why make my situation worse? 
- no. You can not escape punishment. The only way to avoid it is to be rich and have money in your account.
- so you bounced the checue which was 0.005% of my monthly account turnover. You penalized me for  2% of my monthly turnover. Why you didn't let the check go through at least? At the end it is just 24 dollars, the half of my monthly fees for your services. 
-  because you had no money on your account
- where's the cheque now? 
- I don't know, it was bounced. When I write a cheque, I am make sure I have money
- I wrote the cheque a year ago, does it make sense? 
- I monitor my account every day, it's my work.
- don't you know that my account has been blocked by your loss prevention department for using wrong ATM and I had no chance of checking it for 10 days? 
- there's other way to check your account - by phone, teller, ATM and internet
- but you blocked all the access
- oh, this is YOUR problem to make sure you have access to your account


Of course this is my problem. This is my problem to find another bank, to find another branch. But the level of customer service is worse than in Soviet Union during Communism time. With the difference that SU never said there is one. TD, please, retire something you don't have - the customer service.