I opened what became my TD Ameritrade account at National Discount Brokers in 1996. They sold out their biz to TD Ameritrade eventually in the 90s. Anyway, I've been a client for a long time. At the moment I've got puts on ZSL and CEF (Central fund of canada) in my account. I tried to send some money into my a/c from paypal to buy more CEF on August 1st. Eventually I noticed that the payment had bounced. It took me a week of emailing to get the story from TD Ameritrade. They had turned off ACH (bank transfer). TD Ameritrade had previously told me that I couldn't use their system as a pass through account (i.e. just as a bank). Fair enough, so I didn't. But it seems that they are unable to shut down outgoing payments without stopping incoming payments. And it took them a week to explain that limitation of their system, with me sending back queries to their (very slow) responses. It is a shame because I could have done pretty well on CEF if I'd been able to get my money there at the time I wanted. Now I'll have to switch to another broker. I'm thinking Charles Schwab One (international) - I'm outside the US.