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Anyone use TD Waterhouse online?

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I'm in the process of attempting to switch my IRA to TD Waterhouse from The Incredibly Money Losing Managment ( otherwise called Liberty) so I can self-direct it's investments and strategies instead of choosing from an assortment of Woeful Mutual Funds.



Has anyone used TD Waterhouse Bank's banking services? How about thier online Brokerage or other financial services? After our incredible grief with being unable to get or send out payments, we decided to try using their automatic deposit, automatic investment, and online bill payment services (gauranteed to arrive as scheduled or they take the heat... . Because I'm sick of the heat!!!).



By moving my IRA to the brokerage account (no, no, not cashing it in, it's still an IRA, just mostly self-directed), I skip the minimum cash requirement for a full service brokerage account. The wife will have her paychecks automatically deposited in it, and the provide free checking an instant online transfers to our regular checking account, plus a visa debit card. All without the joy of a single monthly fee.



If you're into this kind of stuff, or have any caveats, warnings, suggetions, praises or criticisms... I'm listening :)
 
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