Good morning, J. Philip and welcome to TD Helps. We are sorry that you have some concerns about your Checking account and would like to guide you in the right direction to get this resolved. As this is pertaining to your specific account, we would need to review this further with you. As we would like to assist you directly, unfortunately, we do not have access to your personal information since TD Helps is considered an unsecured forum. In order for us to assist you further, please feel free to call 888-751-9000, 24/7 and speak with one of our Banking Specialists. After account verification, they'd be more than happy to review your account transactions with you, provide more information on the transactions in question and provide any possible solutions to help you recover the funds if it is determined that the transactions are unauthorized. Also, you may visit any TD Bank Store, during lobby hours to have your account reviewed in person. For a listing of TD Bank Stores locations and hours, please see here: http://bit.ly/TDStores. If you are enrolled for online banking, you may also send a secure message using www.tdbank.com. To send a Secure Message you must first logon to your TD Bank online profile. You can do so by clicking here: http://bit.ly/1eaISlq. On the left hand side, you should see an option to "Send a secure message" located in the "Message Center." If you have not enrolled, please call us 24/7 at the number listed above to speak with our Banking Specialists. If you are enrolled for our BusinessDirect online banking, you may use this link to logon http://bit.ly/1rvBmq8 and send a secure message. Best luck to you, J. Philip. If you have any other questions, please do not hesitate to ask.