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I have had my TD savings account for a couple of years now. At first it seemed like a good idea made by the clerk at TD Bank to put a side fifty dollars a pay into savings. Due to many different bills and costs I found it difficult to continually hold the three hundred dollar minimum in the account. I always did because I could not justify paying the fees. But for now I have stopped the fifty dollar automatic transfer, because I would just end up paying a fee to transfer it right back to my checking account. I wish I would have known more or researched a little more about the different fees that came with opening the account.
I've had TD Bank for almost 15 years, back when it was Commerce Bank. I have always loved the hours and that it is open seven days a week - it really is the most convenient bank. It is the only bank I can also find in Canada and use their ATM free of charge. The Penny Arcade has always been one of my favorite things about TD. Who doesn't have change and want to cash it in for no cost whatsoever (if you are a banker with them)? The customer service is always spectacular even when there is a long line (which they cannot control). The only thing that has gotten worse with the bank is the new fees they are beginning to charge - raising the ATM fee from nothing to $2 to $3 in a two or three year period. Hopefully they don't start adding more fees or I might have to start thinking about switching to an online bank. I'd recommend TD Bank, especially if you work hours that make TD the most convenient to you.
I've been very happy with my Capital One credit card since I got it 5 years ago. When I got it, I was young and didn't have the best credit, but Capital One saw it was improving and offered me one. The card I got had no annual or monthly fee. I originally had a $750 maximum which was more than fine with me, my sole purpose of owning the card was to build back my credit. Over the years, Capital One saw I always paid my whole bill on time and slowly raised my maximum to $2,200. Also, my credit has raised from poor to good in those five years! I have no car or house, so I know this is all because I had a credit card that was hassle free and helped me in a rough time. The only thing I would say that is not a positive is not having rewards. It's one of their only cards that doesn't. But it's still worth it and I'd recommend it to anyone who is getting their first credit card or their first card after a string of bad luck.
I've had my Capital One 360 Savings account for about 5 years now (previously ING) and I couldn't be happier. I've never been charged a fee and I have RECEIVED money for signing up and for my friend signing up and using my name! Their interest rates are super competitive and the convenience of the website and the app makes it worth it. The only problem I have is the amount of time it takes to transfer money to my checking account at 3/4 days. But honestly, I'll take that one minor snafu because I've never had a bad experience here in 5 years. I've been thinking about closing my bank account and using the 360 checking account as well.