That is the US banking system and less to do with TD which has helped contribute to the rise of Neobanks.

Domestic and foreign wire transfer fees are charged by most banks and are usually only waived if you are a priority customer or some banks waive it automatically for everyone.


This might be helpful for you and do heed the advice of others that have helped you.

https://ringgitfreedom.com/2020/11/13/journ...onal-brokerage/