TD does care their service, we used them few years before, they phoned us once a while to make sure we are satisfied their service. but their service fee is higher. currently using pc and scotia bank. they are both good. I personally hate BMO, when I was once in another city to open an account, they made a minor mistake, I went 3 times and they never correct it. after I came to ottawa, I thought it should be better because it was different branch. but I was so disppointed. they charged me service fee that I was not aware. talking to the manager, she wouldn't waive my 5 dollar fee. since then, I canceled all my account in BMO. in scotia bank, they charged me service fee that I didn't know. I explained to them, they waived it easily.