Surprise Fees And No Options

I recently closed an account with this bank because of a surprise fee they tacked on. I had a simple checking account with TD that had a very low balance as it was not my primary account. I got my latest statement the other day and noticed a $15 maintenance fee. When I called to find out what this was for, I was met with a very nasty lady who told me that I should have read the pamphlet over a year ago. I was told that for the first year the checking account was free, then after that, if you don't keep a certain balance, you are charged $15 per month. I closed the account as soon as I found out about this. How can they get away with charging me for not having a certain amount in there?! It's as absurd as the $35 per item charge for not having enough money in the account to cover for the charge.

 

And that brings me to no options. I was never asked if I wanted to opt in or out of the overdraft protection services they offer. I also have an account with Sovereign bank and every time I called or went on their website I was asked if I wanted to opt in to the service. I stated no since I'd rather have my card declined than to pay the fees. TD does not do this and automatically opts their customers in. Over the course of one year this bank has made over $5000 from my husband and me in overdraft fees. That's more than some of my friend's paychecks who work part time in retail!