I have a TD Bank account. I agree that it's not worth maintaining a $2500 minimum to get a few ATM fee rebates, unless you know you're going to be hitting a LOT of ATMs.

But with just a $100 minimum balance, the account is essentially fee-free from TD's end. They won't rebate third-party ATM fees, but as long as you stick to ATMs that don't charge a fee, you won't be charged anything by TD for using your card at any ATM in the world. If you look back a few pages, I detailed a shootout a friend did between his TD, Schwab and Citigold accounts, all of which are purpotedly 0% for overseas withdrawals. He found TD and Schwab were almost identical on every ATM withdrawal (using ATMs in Thailand that don't charge any fees), and both beating Citi by a very small but consistent margin.