TCF Bank
Reviews and Complaints

f***kk tcf bank. My girlfriend banks with tcf bank and they pretty much screwed her the f*** over. Okay she had five dollars in her account and because of a recent non-tcf atm withdrawal she was charged 2.50 at the atm (of course that is expected) but then they charged an extra atm fee through the bank itself which put her negative by a few bucks and every single day she was negative which happend to be 3 days they charged her 28 dollars every single day that she was negative on her account.

You know what okay charge the extra atm fee but there has to be some legalities here they are f***in treading on because how can the bank itself make you go negative and then impose extra fees because they made you went negative. I had a furious conversation with them on the phone and mind you i had to hold back just a bit but the guy on the phone could only remove 14 dollars of 3 overdraft fees.

Tcf bank will burn in hell and as i type my girlfriend is getting ready to goto the bank and take all her money to go to a different bank ( wells fargo :) )

This bank feeds on the poor and is making a wealthy living off of it. Please people do not bank with this bank!

paid off a $340k loan +interest in less then 30 days. gave the payoff to loan officer Brad Willis. he told me it was paid off and wrote on the receipt (loan payed off) then he told me i would probably get a credit for quick payoff and i told him i would just put that in my checking acct. well! a month later i get a bill for $448.00. apparently he miss calculated TCFs billing dates and i owned more money. made no sense to me. i took the loan out on dec31st and paid it off by jan 31st. not my fault their billing starts on the 23rd. terrible bank and terrible loan officer. i paid the $448.00 reluctantly and then i closed all my accts. would never do business with this bank again and NEVER! NEVER! trust their loan officers! worst experience ever. felt like i was cheated and conned!

Any resonably intelligent person would come to the same conclusion after reading several of your posts. Stop bothering me.

eeewww...don't get your panties all up in a bunch...what a total freak.

Starlablues -- I recommend shopping for another bank, or better yet a good credit union.

Maggie - you are delusional. See a doctor and try to get a prescription for Haldol or another type of anti-psychotic medication. Did you torture animals as a child?

How do you know they sent 5 notices? You must be a TCF employee and your job is to monitor these complaints and rebuff them. Well, monitor this- Jay Calhoun of TCF Robbinsdale blew me off when I came to give him a "heads up" on how tellers do not verify deposit items, lost $183 from one of my deposits, deducted it from my acct, forcing me to spend 20 days & 3 phone calls to untrained cust serv reps to finally get documentation that it was, indeed TCF's error, then get blown off by Jay Calhoun, telling me that I wasted time, gathering the documentation & that I should just get the check issuer to re-issue the check. (But, I could not get the check issuer to re-issue my check without spending 20 days & 3 phone calls to stupid cust serv reps to get documentation, so that I could trace the check or checks totalling $183 back to stubs, first.) Jay Calhoun was aloof, rude, did not make eye-contact, did not get my name, account info, look at the documentation that I spent 20 days gathering, nor get the teller # which I had. And, said he did not care that I will take it higher up, due to his insensitivity. He thought I was asking for the money that they lost. I was just making him aware. Now, I will make others aware (my patients, adult students, professional colleagues, FaceBook, etc.) And, will move my three accounts from TCF.

I agree with several of the posts here about TCF, but I'm sick and tired of this one. TCF SENT YOU FIVE NOTICES. One a month, for 5 months before they charged the first fee. If you don't choose to read the info included in your statement, the e-mails you receive, or other notices sent to you by the bank you are probably going to lose money. Hopefully you've learned from your mistake. BANKS WANT TO TAKE YOUR MONEY! Not just TCF, ALL BANKS! Don't be a sucker! They count on you not reading your mail.

I have advised my husband a couple of times to close his account. Today I believe he finally understood why I am so not a TCF bank fan. He had enough money in his account to cover his purchases but apparently their policy is to deduct the amount of pending transactions from the account at close of business each day even they have not sent the payment out. Well, let me tell you he made another purchase that came in before his pending transactions did on 12/2/13. and today 12/7/13 his account is overdrawn even though he has enough money to cover his purchases. And was told by a rep over the phone that he would be charged another nsf fee when the pending transaction come through probably on the 9th. Is this not crazy.

TCF practices should be investigated. Twice I have started an account with TCF (2007, 2010) after they offered a promotion. I always deposit enough to avoid any fees ($500 minimum). I use the initial account as a test to see if I like the bank. I do nothing with the account except leave the money there. Twice I have had to fight with them about fees that were not disclosed or the accidently charged (I do not believe them any more). This time they changed their fee structure without notice. All of a sudden they raised their minimum account balance to avoid fees, and started monthly fees of $9.95 (an account with $645). Until you see the first fee, there had been no notice. I have a US Bank account also. They raised the minimum but sent out a notice so I could adjust or close my account. I didn't like what US Bank did, but at least they gave notice which is fair. TCF is NOT. I have banked with M&I, Harris, NFCU, BMO, E*Trade, TD Ameritrade, and several others. None have been as deceptive at trying to steal fees from a simple small deposit account. I worked in banking for 9 years and am still a finance professional. I consider myself smart enough to be aware of what is right and wrong with banking. TCF is as wrong as there is. I feel bad for everyone that just trusts their bank and does not have an advocate watching their account statements. TCF is counting on your ignorance and apathy so they can take the little bit of money you set aside. I'm on my way to close my account AGAIN and deride the manager that enables these policies, and begin communications to help others be aware. TCF on-line banking is also the worst bank for contacting directly for services or complaints. I think it is in their culture to avoid contact with anyone who has caught them and is angry about their business practices.

We had the same problem: TCF hiding behind its "policy." We talked to TCF reps for hours, all the way up to the top of the customer service chain, and was told they could do nothing. We closed our account, and, on principle, filed a complaint with the Better Business Bureau. To our surprise, a few weeks later, we received a check, from TCF, for the heisted amount. LOVE the BBB, thank you! Will NEVER do business with TCF again. Customers should not have to work that hard on reversing sneaky charges like that.

Also the people TCF hires are from the Carribean. Does pirates of the Carribean ring a bell?

so true. i am closing my account now. tcf bank recently stole money from me with "mail handling fee". Really?

How sad is it, when the best bank I had EVER delt with, was in fact in CANADA. Royal Bank of Canada or (RBC) had everything posted IMMEDIANTLY when it hit my account. Checks, debits, bills, mortgage payments. If I touched it, it would out, posted and processed the second I did it. There was no delays, no waiting periods, no next business day b.s. And as for direct deposits - if it was sent - IT WAS THERE...

When I moved back home to the states, I figured open an account... I seen the "$50 free checking" signs posted and when I signed up for the account, I SPECIFICALLY asked questions pertaining to the information I posted in the above paragraph. They kept saying "yes yes yes". When in reality it was "no no no." I dropped them like a bad habit when "gas station" fund holds started.. but before that I had direct deposit. On friday at 12am it was in the account. I did my normal friday and saturday shopping and come to find out that Monday would roll around and I was hit with 300+ NSF. I had NEVER had that happen to me in my life and it won't happen again. I tried to close the account after everything was paid and they said "Oh we're still waiting on one gas station charge to come in" HOW IS THAT POSSIBLE?! When I was younger, I worked for a gas station. They processed and posted those accounts EVERY MORNING! SO IT'S NOT THEM WAITING AROUND ON THEIR ### TO DO IT. TRUST ME, THEY WANT THEIR MONEY JUST AS MUCH. But TCF makes their money if the account is messed up a bit and will continue to attempt to make you feel like its YOUR fault. I don't think so... So since they wouldn't close the account.. and stole over 300 from me easily in two weeks - I let it sit... OH then they called saying "How come you haven't used your account - I noticed that its in NSF for $16" Well... I could have went and paid the petty $16 but now its about proving a point. I don't need extra "credit" and I don't care so they can shove it up their ###..

Here We Go Again: Number 1. State is up 500% for identity theft. Number 2. Mail was being stolen from area. Number 3. Class action suit for unfair practices and possible fraud. Number 4. Be glad it hasn't happened to you but God willing you will get screwed soon. Number 5. The fact that I even responded to you is a blessing and I for one hope when it happens to you that you get taken for every rupee you have. Don't like the truth, don't listen. As far as you and your wonderful advise.. You and the devil must have a wonderful love life.

I have done all of that. That is why right now I am seeking legal help for it. The Wells Fargo in my state is going through legal prosecution in a class action lawsuit because of their deceptive practices. They did the same thing to my mother before she died because someone had a "similar" name they refused to accomodate her and she died while going through the legal processes. Which meant they got away with a substantial amount of money because her lawyers needed her as a witness for it. Written documents and notarized testimony don't count as verifiable testimony in my state. The class action lawsuit is forthcoming in the next year or so and if I did it on my own I could be looking at 2 or 3 years before I even get a court date for it.

This isn't the case for all complaints. I had a positive balance. I put in over $900 to my account. I paid four bills totalling $473. I had a paypal transaction of $212.75. How in the world did I get overdrafted since everything else I needed I paid for in cash? By the way they did tell me they did a right to offset to my account for $617 with three overdraft fees for $35 each for a person I don't know because she has the same last name as I do and stole my information. I have NO ONE on my account nor is ANYONE on mine. I am seeking legal help because of this. Meanwhile I can't use my account until they get this straightened out which could take months and in the meantime they are trying to hold me to this "chick's" debt which I don't know and never met but she has my information. By the way, signed and notarized affadavits from people you know and receipts for all transactions and notarized copies of your statements and account information don't count as acceptable proof. Neither did the fraud forms and police form. What would you do?

How about me. I deposited $100, my account was $0.31 in the hole (while pending) so I made a deposit that morning. My deposit slip clearly states $99.69, obviously the correct number. I look at my account today and the things that were posted a few days ago were all negative, saying that my account on the day I deposited it was $70.00. I have a print out of my account for every day and the things that were posted weren't negative two days before the deposit, but after I make my deposit they are? From the looks of the two online account activity statements I have, they completely disagree with eachother and everything was posted wrong. I'm pulling out my funds and opening an account with Wells Fargo. Did I mention this is the 4th time...this MONTH that this has happened. I keep a ledger religiously, and they have never been off. I have receipts for every purchase. They would never give me a print out showing were my account went negative when I asked. Basically...not making rent this month. Thanks, TCF! Really appreciate your crooked business.

FYI.. IF A TRANSACTION IS PENDING FOR A $1.00 FOR GAS OR A CAR RENTAL DOES NOT APPLY TO YOU AVAILABLE BALANCE FOR POSTING TRANSACTIONS.. IF YOU READ THE TERMS AND CONDITIONS IT STATES THAT IN THERE.. SO IF YOU DECIDED TO SPEND MORE MONEY THEN WHAT YOU HAD THAT WAS UR MISTAKE.. SO DEAL WITH THE FEES... YOU ARE LIABLE FOR THE TRANSACTION AT THE TIME YOU MAKE THEM..SO EVEN IF THERE PENDING TRANSACTIONS AND U HAVE ITEMS THAT POST THAT NIGHT AND U DONT HAVE ENOUGH MONEY TO PAY FOR THE POSTED TRANSACTIONS THEN YOU WILL BE CHARGED FEES..

TCF Bank - fraudulent practices

Here's are my problems with TCF Bank:

No Running Balance -- The online TCF accounts do not show a running balance or total. It only shows transaction amts (nothing to indicate a balance, positive or negative). The only way to determine if your paper register is accurate is to contact the TCF 1-800 number and try to reconcile/double check info from there. The 1-800 service will give you the balance minus pending transactions (debit or credit only, not checks); last five transactions/deposits and, can tell you if a check has cleared by check #.

Overdraft Fees are Not Included in Pending Items -- The 1-800 service will give you a balance, but does not include pending overdraft fees" -- so you do not have the opportunity to make a deposit to correct a problem and avoid add'l fees (see my personal example below). You are falsely led to believe your account is in the positive thru receipt of a positive balance statement, a positive balance amount via TCF 1-800 or via the ATM balance. Reality is that you could have pending overdraft fees for transactions (leading to domino effect). If you are slightly off, you wouldn't know until the next day and after other items post, leading to exorbirant fees (@ $35 each, 4 or 5 small transactions can cost you $175 in fees). The TCF practices/policies are not transparent and fair to customers.

People -- I'm not aware of ANY other bank that does this! Most ethical banks show customers a running balance and whether or not you are in the negative. If you have a negative balance and have incurred overdraft fees, you know because items are in real time. No gaps or delays in getting information which makes it a guessing game, leading to minor errors and discrepancies that benefit TCF in a BIG way.

Processing of items structured to benefit TCF in NSF fees: If you have 5 transactions and your acct balance would sufficiently cover 4 of those items, guess what. TCF puts your largest item thru first resulting in a negative balance, and then charges you multiple insufficient fund fees on all the little items that don't clear as a result -- racking up money. A service rep told me they did that at the request of customers who don't want items like their mortgage or car payment rejected. What? Doesn't make sense because they seem to pay for all the items -- just structuring it so that it benefits the bank and costs the customer.

TCF CAN hold local checks for up to one week for deposit. A rep told me that the written policies do not show deposits crediting automatically, so PLEASE be aware of that. (Wow, so get comfortable to deposits credited automatically -- and then BAM...a deposit doesn't clear and you are hit with fees).

My experience has not been pleasant with TCF Bank.
Recently, I called the 1-800 # and found out I would be -$20, after pending transactions, for the day. I made a cash deposit that afternoon to make my balance positive, cover a check that hadn't cleared, and to prevent overdraft fees. The teller gave me a receipt, showing a positive balance in my account. Nightmare averted, right?

Wrong, two days later, I go online and see my deposit wasn't credited until the day AFTER I made it, and I had $175 in insufficient fund fees charged against my account. When I call the customer service #, she argues that I did not make the deposit on the day I said that I did. Impossible. She asks for the date on my deposit receipt -- to my shock it said the next day. Thankfully, I had a 2nd receipt because the 1st didn't show my balance and I wanted proof that my cash deposit was credited. The second one has my positive balance for the day. Now she's confused and must get her supervisor onboard ... I'm on hold for 15+ minutes while they try to figure out how this could happen.

Finally a manager comes on to tell me that what the teller and the 1-800 and online systems didn't tell me, was that my balance for the day in question was not -$20, but actually -$195 because what didn't show online or by TCF 1-800 was that I had $175 in insufficient fund fees from the day before. Yep, you heard that right. The manager tells me there are things I should be aware of ... my balance was negative and despite my balance and receipt showing a positive balance, the "real" balance included multiple insufficient fund fees from the day before that hadn't posted yet...so I'm up the creek. There policy is to not communicate those fees to the customer in pending transactions or to reflect them in balances until next day. With no more than $20 in the hole, TCF banks almost $300 in fees.

This does not make sense -- and the "online" list of transactions is now out of sorts with what is in my register (shows transactions posting a day earlier than what I had recorded in my register and from the 1-800 system.) CUSTOMERS BEWARE -- your money is easy money for TCF bank...

I think the new minimum balances are unreasonable and immoral, like stealing from those that are less fortunate. I work hard for my money and want to keep it in my account. I am closing my acct after 6 years.

We had several problems with TCF, the worst being them changing "Totally Free Checking" to $9.95 a month checking, giving us only small print notification in the space usually reserved for their annoying promotions and happy sales talk. We talked to TCF reps for hours to reverse the $130 fees, all the way up to the top of the customer service chain, and was told they could only refund $70. We closed our account, and, on principle, filed a complaint with the Better Business Bureau about the remaining amount they swiped. To our surprise, a few weeks later, we received a check, from TCF, for the full, heisted amount. LOVE the BBB, thank you! Will NEVER do business with TCF again. Customers should not have to work that hard on reversing sneaky charges like that.

I agree with the above. Plus, it's even worse if you're e-statement only. I received no notice, e-mail or snail mail, that my account of 21 years was changed. Since you don't get statements even e-mailed, you have to log in, and find your statement, something I don't do every month. Well, lo and behold, -9.95, -9.95, -9.95 and for my convenience, a -39 charge to cover that final -9.95.

Customer service is no help, as they'll just tell you how to avoid FUTURE charges.

The sad thing is, I would have had no problem meeting their minimum conditions...if I was only notified.

These are NOT the actions of a company on the up and up.

I agree, just today realized the exact same thing, went in on friday did the "deposit to cover negative balance" on my son's account. Then checked it on sunday, bam...overdrawn by hidden nsf charges that showed up nowhere, not even at the tellers terminal, I deposited cash, and yes, did not notice the reciept was dated...what for today three days later? So now they have charged him five nsf charges so far for overdrawing by a mere 75cents. thats it, the way they do it is incredible, and the branch manager tells me, oh they don't do it on purpose, it is an electronic thing and the people you use your debit card with...WHAT?Stay away from tcf bank, between mine and my son's account just in six months we have lost over $600.00(domino effect nsf fees, unreliable account balances even at the tellers terminal)

Once TCF had cleared all the money from my "Totally Free" checking account, they began over drafting it to cover their new $9.95 management fee.
They're charging me money because I don't have enough money!?!?
Insane, had I known about this situation months ago I would have immediately closed my account, yet I didn't get word of anything until a letter comes in the mail today saying that I owe them $28.85 and that this debt is now 71 days past due. Furthermore, at 75 days my account will be referred to collections, ruining the credit that I have been trying to rebuild over the last 4 years.

I understand that the financial sector is not in the best of shape, but for a bank, ANY company, to steal from its patrons is wrong.
I have filed a complaint with the Comptroller of the Currency.

TCF website gives me a wrong address of ATM. (Please check CHASKA, MN. The address they give you has no TCF ATM.) When I went to that address, there is no TCF ATM. I took $80 from my account from the ATM which doesn't belong to TCF. That ATM bank charges me $2.5 fee. TCF charges me $5. That's TCF's professional service. tcf CHARGES ITS CUSTOMERS MORE THAN THE OTHER BANKS.

TCF changed its checking account requirement. If my account doesn't meet the requirement, TCF begins charging fee on me. They put that notice with my monthly statement (no separately notice), and not highlight that notice. Then TCF starts charging me.

The same things happened on my saving account.

TCF Bank assessed improper or excessive overdraft fees! They list overdrafts from largest to smallest to increase the likelihood that customers will overdraw multiple times. Not only that, but I made four transactions between Thursday and Friday. Instead of listing those first, they listed my Saturday transaction first which of course was the higher amount. So, this led to a snowball effect, and what should have been one overdraft fee, ended up being five! I have contacted an attorney in hopes of becoming part of a class action suit!

i have had them do that to me as well

Tired of stupid, have you ever taken a look at tcf's overdraft policy? They hold pay checks up to 3 business days, have a cutoff time of 3:00 local time, but only on deposits, not withdrawls, and there policy is to pay the biggest debit first, no matter which actually posts first. I just got hit with 2 over drafts because of this timing issue. I had $124 in my account at 5:30 in the morning, 2 items posted that day, totaling $96 but were pending. I deposited my pay check at 4:30 that afternoon and went home and made a $473 payment on line at 6:00. The pay check did not post until the following day, but that payment posted immediately and caused my account to go negative and those 2 items that were pending earlier in the day amazingly posted right after my account had gone negative and cost me $74. They may be in the right, but to me, they were totally wrong!

i make deposits and then checks my balances when i withdraw money from the ATM. it shows both online and on the ATM i have money available. that's what it says, available. so i withdraw money. get a letter in the mail for NSF fee of 37.00. i checks again, money is available. So i call them and even went in and they said, even though online banking and the ATM's show a balance our in house computer shows you do not. So actually there was no money even though we said there was in our super secret computer I'm not allow to see on a daily balance. so this is it. i feel they are setting everyone up to pay this fee. we as customer's believe their system and our online statements and withdraw money. but their little trick is the money "really" isn't available, on an system you cannot see. not fair. If the money is not available, it's should not be made to be available. instead, it says "available balance". i say available is available. i have statements and ATM balance inquiries showing the available balances

these people really do need to be brought up on charges for this scam of robbing people of their money with overdraft fees and for taking your money to pay for other transactions. example I paid for an item on the 23 of sept. with my card $25 a $7 on the 24 and $13 on the 25 with a balance of $148 and each day I call to check my balance and on the 25 a $51 charge was made and my balance was $66 - that from 51 leave +$15 so I call sat 26 to hear my balance is -$31 what the ### is this I call to have them to tell me that because of tha $51 I overdraft and because there was pending charges the $47 in card purchases which was tooking out already wasnt tooking out it was put to the side this bank no matter what they take the biggest charge and pay them first regardless if U paid for the item three dayz later that's why it takes three day because they sit back and wait on other charges to come through hoping it's bigger than the last item U paid for within the three day

This Bank Robs innocent and honest people from all was.
From unjust overdraft fees to deception of bill payments availiable balances you name it they practice Ilegally and get away with it ENOUGH IS ENOUGH NO MORE NO WAY! I stayed with this bank cause I thought thing would change with the new laws instead they are getting worse ..

I went to a red box last week and got my son CJ two movies he was sick that ended up costing me one hundred and ten dollars since I’m in school money is very tight I’m back in school cause my company closed and decided to only keep their only operation in china. Now my bank is gouging me with crazy fees? who can you contact to change these fees’ No one TCF robbed me I’ve never felt so foolish as to be taken advantage of by the big Banks

A few years ago I opened a new account with a different bank. I forgot to change my information with Apple Itunes and when I purchased some music, they charged the TCF account that I was no longer using. It went into overdraft status and they closed the account after zero activity and reported me to check systems. Three years later, I am in Alabama trying to open a checking account with a credit union and they said I cannot open an account because I owed TCF money. A little shocked, I investigated and found the mistake and immediately paid the balance owed. Two months have passed and I tried to open a checking account, it still showed on check systems. I was unable to open an account. I called TCF and they said there was nothing they could do, it will be on my record for 5 to 7 years. I asked her, "So am I to expect that I will not be able to open an account for 7 years?!". She fakely apologized and said yes. Then had the audacity to ask if there was anything else she could do for me. Well, yeah, but you won't do it. I have never encountered anything like this and I recommend you do not do business with this bank. They are unhelpful and unwilling.

We Have Been Customers for a while. I deposted a check to cover fees. TCF Bank for 3 amounts totalling about 15 dollars charged us $105 in fees. We have always covered things immediately. They are liars and have taken 100s of dollars of our hard earned money with this $35 courtesy fee for funds not collected. This is the reason they are trying to pass laws against banks stealing billions in fees. Everyone should get away from these guys I have heard so much bad word of mouth I hate them and what they do to people like us.

2 weeks ago my husband and I closed our checking account because we moved out of the area and there were no branches around our new location. We changed our direct deposit from our works, however my husband's didn't get in on time so it still went to our old account at TCF Bank. Instead of sending it back, the bank re-opened our old account and deposited the money without mine or my husbands permission. We had no idea. We had to drive 50 miles to the nearest branch to get the money and to re-close the account. What makes them think they can just re-open an account that we closed without us knowing.

TCF debit card policy is to pay all transactions regardless of existing customer balances. You must request and sign a special OP-OUT form for them not to do this. Secondly, they apply all of their debits and then credits each day - not as they occur. Therefore, if your account goes negitive during the application of debits - you are charged an overdraft fee.

I am a single working mother who have done everything in my power to get my finances right. Thankfully, I have been working steady for the past 3 years. TCF Bank has been nothing but rude and robbing I blind because of being laid off for over a year back in 2017 so my credit has declined horribly. I am doing best I can overcome this tragic financial event in my life. To this date I have assess $665.00 on an old account I have with them and $700.00 in over draft fees. I started watching my account very closely and very, very selective about the checks that I write out. When I discover that TCF Bank takes the Highest to lowest instead of what transaction happens first second and third it has put a awful strain on my family, being behind on various bills. I have went to the branch on Brooklyn Blvd and asked for help such as Overdraft Protection Loan the woman there was so mean and humiliated me so bad that she did not let me fill out an application and basically kicked me out the bank. I just cannot afford to keep paying $35.00 per transaction that they pick and choose to lead me up to paying hundreds and hundreds of dollars in over draft fees. I don't know if you can help or not. I just need them to stop humiliating me and overcharging me like this. I am on mission to stop them from doing this to me. My hands are tied to this bank until everything is all cleared up. They are unable to help from paying such high fee from them picking and choosing I have to take my business elsewhere that is willing to help me than to hurt me.

This bank recently started charging for previously free checking accounts. Guess what? They did not inform us customers. I'm a student struggling to survive and right around exam time, I get this fee increase for not having a direct deposit? What the heck? As a student I got slammed for-a) not having a direct deposit {I don't have a job duh!) b) for not having a minimum $100.00 in my account {once again, I'm a student duh!)

Espcially for students, this bank really sucks. They wouldn't even let me call their call center from their office...said I should go use a public phone if I wanted to speak with the manager.

I TOOK MY BUSINESS ELSEWHERE!

If you bank at this bank close it out ASAP! It's $9.95 every month you don't make 15 qualifying transactions. Even if you miss by one transaction you'll get hit with the $9.95 maintenence fee. Even if they made your account negative because of this fee you'll end up getting a $28 A DAY for 14 days in a row. If you don't make a deposit you'll end up paying $392 after the 14 days. I urge everyone banking here to close out their account and go to a better bank. They also like to say thay can't reverse any fees but being a former employee they can. They just get paid comission if they don't reverse that many fees. People that work for this bank are very poorly trained and annoy you if you go into a Jewel-Osco store. PLEASE CLOSE YOUR ACCOUNT TODAY!

How sad is it, when the best bank I had EVER delt with, was in fact in CANADA. Royal Bank of Canada or (RBC) had everything posted IMMEDIANTLY when it hit my account. Checks, debits, bills, mortgage payments. If I touched it, it would out, posted and processed the second I did it. There was no delays, no waiting periods, no next business day b.s. And as for direct deposits - if it was sent - IT WAS THERE...

When I moved back home to the states, I figured open an account... I seen the "$50 free checking" signs posted and when I signed up for the account, I SPECIFICALLY asked questions pertaining to the information I posted in the above paragraph. They kept saying "yes yes yes". When in reality it was "no no no." I dropped them like a bad habit when "gas station" fund holds started.. but before that I had direct deposit. On friday at 12am it was in the account. I did my normal friday and saturday shopping and come to find out that Monday would roll around and I was hit with 300+ NSF. I had NEVER had that happen to me in my life and it won't happen again. I tried to close the account after everything was paid and they said "Oh we're still waiting on one gas station charge to come in" HOW IS THAT POSSIBLE?! When I was younger, I worked for a gas station. They processed and posted those accounts EVERY MORNING! SO IT'S NOT THEM WAITING AROUND ON THEIR [censor] TO DO IT. TRUST ME, THEY WANT THEIR MONEY JUST AS MUCH. But TCF makes their money if the account is messed up a bit and will continue to attempt to make you feel like its YOUR fault. I don't think so... So since they wouldn't close the account.. and stole over 300 from me easily in two weeks - I let it sit... OH then they called saying "How come you haven't used your account - I noticed that its in NSF for $16" Well... I could have went and paid the petty $16 but now its about proving a point. I don't need extra "credit" and I don't care so they can shove it up their [censor]..

The same thing happens to me on a weekly basis with this bank.. I hate them. TCF is truly the worst bank I have ever dealt with. They lie cheat and steal from everyone and anyone. I finally could close my account after wasting paycheck after paycheck to cover the outrageous fees because they refuse to close a negative account. I will refer no one to use this bank for anything.

tcf is one of the largest banks in the midwest and it is unbelieveable that they can do this type of business...

i also believe that a letter to the supreme court is in place and also to the board of directors.

I had plenty of money in the bank to pay for the useage of my TCF Bank debit card, therefore, I charged two transactions on wednesday totaling 97.00 dollars, leaving me a balance of 293.00 I used an atm machine on friday and took out 200.00 leaving me 93.00 dollars, then i used the card again on saturday for 97.00 so i was 4.00 overdrawn which i should pay the 34.00 ONE TIME NSF fee, however, they held my transactions on wednesday and friday and charged me 102.00 on NSF fees, when i addressed the issue they said that VISA held the transactions for wednesday and friday and therefore i should have to pay for the NSF fees.

i called VISA and they said they did not hold any transactions.

TCF HELD IS SAYING THEY HELD THE TRANSACTIONS IN ORDER TO CHARGE NFS FEES AND ARE BLAMING VISA.

IF ANYONE WANTS TO JOIN ME AND THOUSANDS OF OTHER CUSTOMERS PLEASE EMAIL ME AT EZ2CY555@YAHOO.COM

You should write to dispute the alleged unauthorized charges. By law, banks are required to respond within a short periods. If, after an investigation, the charges were in fact unauthorized, banks must reverse and credit your account with the same account. While banks are investigating your dispute, they must make the amount available for your use. You should contact a consumer law attorney, many of whom will assess your case on a contingency basis.

Kenneth
Illinois Lawyer