This happened a few years back, but it's worth mentioning to anyone who may have both a TD Visa AND your checking account with TD as well.
My mother had her credit ruined by my father (long story short) but I was able to get a student Visa card which I permitted my mother to use, so long as she put cash on it within a few days of using it.
This was fine and went on without trouble for a few years (and was great for my credit score! XD).
Then I opted to open a checking account at TD - and being a student I went for their cheapest package - where you were not permitted any "in person" visits to a teller without a charge being applied.
Well that's no issue.
Until my mother went in and started paying for her purchases.
Suddenly I was getting small charges on my chequing account. Here, there, everywhere. They added up fast (and to a student, even 20-40 dollars in fees like that could eat up my budget for a month! ). Finally *I* went in and asked them what the hell that was all about - their response - *I* was using the teller services.
Luckily my MOTHER was there, and called over one of the Tellers who knew her well, and both of us showed her our ID - proving that *I* had not done any such thing, nor was it EVER for my checking account or banking, nor were any funds from my chequing account being paid onto my Visa Card (which my mother and I always paid for the Visa in cash! ).
The manager explained to me succinctly that if I was to have the cheap checking account, that my Visa counted as part of that account now, and paying any money to a teller - EVEN IF IT WAS CASH - meant that I deserved to be charged (where I never was before! )
My mother had words with him - we canceled my account that very day - and lo and behold no further charges went against me for my mother paying off my Visa with cash.
Be forewarned, this is a LAME, shady practice - and it could be happening to YOU!