If I could rate zero I would. I signed up yesterday & they verified my bank. I authorized them to take $3500 from my bank to deposit into my TD Ameritrade account. My bank shows transaction is pending while TD Ameritrade states that my bank reversed the transaction. Now they want to charge me reversal fee. I provided them a 2 day snapshot of all the activity from my bank. They still claim my bank reversed & they want the fee paid. What a scam! Stay away, there are many other options available for online trading. My friend have asked me to switch to Planoff and I have started trading there. TD Ameritrade is horrendous!!!