I switched from TD Bank to Northeast a while ago. My identity was stolen and someone tried to withdraw a significant amount of cash from my account in another state. While they phished the account number out of the bank using a fake ID, the bank manager was smart enough to check the signature as well, and called immediately to warn me what had happened. I'll never work with a national bank again, as they won't do any kind of investigation because it's just "too much" work for nothing. Locally, they'll likely take a look into it. It's a total pain in the ass to clean up and lock down.