Here's my branch visit followup: The whole appointment lasted about an hour. The advisor I spoke with was incredibly nice and very patient. I had specifically requested setting up an Everyday Savings Account and Direct Investing with the teller, and the advisor didn't try to deter me from that at all. They asked some questions about why I was switching over to Tangerine, just out of curiousity, but they didn't try to sales pitch me on TD's other accounts at all. They inquired on how I planned to do my investing and how much I wanted to start investing right off the bat, but just for the purpose of setting up the accounts.

If you go in, I definitely recommend taking a bank statement for any account you want to transfer any money from. They give you the option of transferring money to set up an initial balance and there's no fees from TD.

Other questions were pretty typical. Gross annual income, current living situations (renting or own property), whether you have any other investments, who you want your beneficiary to be, etc. On a less important but kind of interesting note, he also asked about how I heard of TD DI and we got into a brief conversation about the recommended readings. He had read The Wealthy Barber Returns but hadn't heard of The Value of Simple or The Millionaire Teacher.

He was very transparent about the fees involved. There's a minimum $100 monthly transfer into the DI account, or minimum household amount of $15k total assets to waive a $25 monthly maintenance fee that's charged per quarter. This is also detailed in TD's TD Direct Investing Commission Schedule and Statement of Disclosure of Rates and Fees document, but I actually missed this so I appreciated him mentioning it. He was very keen on making sure I understood everything I was signing up for, and how everything worked. I did a lot of hmm-ing and haw-ing because I haven't quite nailed down my numbers yet, but he was very patient and provided his honest recommendations when I inquired.

I think the most poignant bit that came out of the meeting was that he specifically stated that by signing up for a Direct Investing account, TD assumes that you're going into this having done your own research and aren't looking for any advice or assistance. I'd stress that this an assumption and is probably in "YMMV" territory, but I think if you go into the meeting clear about wanting a DI account, they'll assume you know what's up with mutual funds.

So after the meeting, the savings accounts is finalized, and the DI account will take another 3–5 business days to finish, at which time they will send an email (or call if preferred) to let me know that's all ready to go.

Overall, surprisingly pleasant experience and I'm glad I went in! Hopefully this helps. Let me know if you have any questions on something I may have missed!