So here's my experience with TD bank (which I left after this). I knew i had to spend some cash and have some for bills coming out at end of day. So in early morning I transferred money in from another TD account. Later in they day I checked and bills had come out and I still had a tiny bit left. Next day, I'm doing more banking and notice NSF fees. They had altered the timings so outgoing came out first thing, then my incoming transfer was end of day after multiple NSF fees. $45 each fee and interest charged on daily negative amount.

I cancelled all my accounts, rrsp, insurance, etc with them and went to a credit union.