The issue focused around me signing up for our crappy cheapy checking account. Basically, we opened up an account at Wells Fargo about 4 months ago. I've never paid them anything since then, so we didn't expect anything back after signing up. 
 
 Fast forward to today, I'm paying off my CC bills but can't seem to pay off my TD card. I've tried paying off my TD card directly through TD Bank (checkbook@try.com) but it's simply taking forever for me to pay off my TD card. 
 
 Now, it's worth mentioning that