TCF Bank
Reviews and Complaints

i am a former tcf employee. here is my advice. ask to speak with the regional manager of the branch where you opened the account. and say you want her phone number immediately! leave her a message explaining the entire situation and give names of employees if you know them. say that you know the legal limit for with holding a check is 11 business days and if action isnt taken soon(before that time period) you will have your attorney contact the regional manager. This will put a fire under the situation and if you repeatedly talk about the terrible customer service and how you will tell everyone you know about your experience you will get your money and then some. :) best of luck

It's like I wrote this myself. My wife and I have shelled out over $400 in these "fees" and are now closing the account. Through shell games and impossibly complex accounting practices, they are managing to make a business of Fees rather than honest services. Maybe we should all be filing a class action?

Yep. I've read about their customer-screwing overdraft policy on this site and now I see how it has happened to me. A few days ago, I get $70 in NSF fees. Oddly enough, I get these fees the same day I deposited my paycheck. So tonight I got home and opened the mail to find the $20 cash withdrawal I made when I deposited my check in the list of transactions that my wife and I made the day our account went under. In other words, I deposited my money BEFORE the transactions that caused my account go "under" went through! Reading this page, I see I am far from alone in falling victim to these hideous practices. I am not joking when I say that I am strongly considering cashing all my checks from now on and keeping the money in a drawer. With the $700B (and counting) bailout and the aftermath, in which banking industry abuse of customers is at its all-time high, I can't justify giving another penny to these pigs.

The best part, in this letter I got, they have the audacity to say these transactions were "honored as a courtesy" by TCF.

cdegiddo@gmail and the 12 co-workers were affected by the b.s with TCF and would be interested in the class action against TCF.

TCF has destroyed my charity United Against Poverty..the branch manager placed a hold on account as I was to receive a large deposit and he yelled at me said I was fraudulent and there was no documentation from the fraud department, we had a camping outing 2 hours from the cities and due to them TCF without warning locked atm we drove to find out what was going on and of course Mgr was gone for the memorial weekend I had to buy gift cards with funds I had in another bank and I have no access to our account they have lied to us charged us for an account were not able to access and get this how do you close an account when the social security number doesn't match? here's one better when my co-worker accompanied me to tcf I asked the teller if she wanted my EIN she stated no we don't need it but when I thought I'd attempt to order gift cards for our local school districts and at the end of the order gave me a confirmation number and it said paid in full and 2 days later letter stated my TIN does not match...I have an EIN and they said they didn't need.

Denver, CO. Any one have information for a Cass action Lawsuit against TCF?

RAWspirit123@aol.com

Who do we contact to get in on the class action suit? I have had no success in finding it. The only firm I found, I emailed about 6 months ago and had no response, instead I get nothing but spam email from them about credit ratings. coloradoxgirl@gmail.com.

Yes, the case against TCF Bank is still moving forward hoping to be filed as a class action. They are fighting this saying that each and every person needs to dispute their case in aribitration per the contract. Should know something soon...

Does anyone know if there is a class action lawsuit still open against TCF Bank because the scammed me in Overdraft fees too Armilonic@yahoo.com

I completely agree. This new system they have in place debits the largest amount out of your account in hopes to put your account negative. They also process debits against your account before deposits. It's bad business and theyre about to pay big for it.

TCF is one of the banks that always is giving you the screw job. Their "gift cards" they put out also have "terms and conditions" stating that a $5 maintenance fee will be deducted every month after the 6 month. They should hope you never use the money so they can cotinue to collect the interest but instead, they say, "If you don't use it quickly, we'll just keep it." There are too many banks playing fairly now to have to deal with TCF's ripoffs. See you on the watch list TCF! Enjoy.

TCF Bank is smart to give the so called free $50 to new members. 1. Charge you $17 for checks. 2.Know most first time check writers will bounce a check thus charging $ 35. 3.Run same check again to get another $35. 4. Now they come up with a maintenance fee $10 if you don't maintain a balance of $500. 5. charge for using ATM $2...quick math. 17+35+35+10+2=99. They profit $49.Do this 1 million times you make $49, 000, 000 and pay for naming a stadium after them.Very smart of them, now of course if I pulled this scam it would be prison time for me.

Worse still, this "$50 gift" is no gift at all. It is reported to the IRS as INTEREST INCOME on which you must pay TAXES!

I believe that this is fraudulent, and intend to send letters to both TCF and the federal banking regulators to ensure that this scam is stopped.

TCF Bank is not a bank for the people.

look no we are not clueless! this happend to me cost me 225.oo over 1.75 cause they decided to put my bank fees earlier then they ever do you want proof look you may live well and have money in the bank to spare but most of us dont! Cant speak about the person filing the complaint but i can speak for my self i have mine down to the last penny so no hate to tell you! You are the clueless one if it hasnt happend to to dont answer with this stupid answers. Get a clue and live in the real world even tho they took my bank fees out a week earlier and yes should of had it in there then tell me why they held every thing a put it all in the same day to charge me 225.00 in overdraft fees over a stupid 1.75 i aree i should of had to pay 1 overdraft fee but not everyone that came in that day ! So before you speak do your research!

WHEN YOU OPEN AN ACCOUNT ONLINE AND YOU READ THE TERMS THERE IS NOWHERE THAT SAYS THAT CHECKS ARE FREE.. IT DOES TELL YOU THAT YOU HAVE TO BUY THE CHECKS AND IT ALSO GIVES YOU THE FEE AMOUNT THAT YOUR CHECKS WILL COST. ALSO IF YOU READ BEFORE YOU OPENED THE PAGE TO OPEN THE ACCOUNT IT SAYS THAT THE CREDIT FOR THE $50 WILL BE MADE WITHIN 4 WEEKS..AS LONG AS THE REQUIREMENTS ARE MEET...YOU SHOULD HAVE READ THE TERMS

After I opened my Free TCF checking account, is was switched to an account with a monthly service charge on my very first statement! This felt very much like a bait and switch move on their part. When I opened the account, I told them I didn't want to have direct deposit nor keep a minimum balance. Within a couple weeks, they completely changed the rules. I withdrew my money and returned it to Wells Fargo.
I was told by the TCF teller that the rate increase was "due to the government". Nice move TCF - will never do business with you again.

this bank specializes in nstealing from there patrons that cant afford to fight them back and the rude and very difficult costomer service is the worst that i have ever dealt with and it seams impossible to get any resolution wow! bank rips off costomer and they can leagaly get away with it! clark zaccardi @ nonamefloorcare@yahoo.com

I would have to agree that this bank has to be the worst bank i have ever worked with. I'm active duty military and back in September my wife and I lost our second child 11 hours after he was born. The military has a $10, 000 insurance policy on all children under 18 for active duty military. So when all the paper work was completed i received the benefits on 1 Dec 2009, i wrote a check for $3500.00 to be deposited into this account on the 6th, 2 days later the check posted to the account my benefits went to, but at TCF they placed it on hold and still stated t hey have problems varifying the deposit. But the other checks i worte have been posted and paid, this bank needs to be shut down never to open the doors again. I'm surprised the federal or state governments have not done an investigation on them because there are some shady deals going on with this bank.

I had an issue yesterday where I deposited my Payroll Check at the ATM, and found there was to be a hold placed. No problem there, but I knew that I was going to have to make a payment with my debit card at noon and wanted to make sure it didn't bounce. So, at 11:15 a.m., I went in to the bank and deposited $600.00 CASH with the teller (3x what was supposed to be charged, just to be on the safe side). When I went at 4:30 p.m. to make another charge to a tailor, my card was declined as insufficient funds! I called TCF where they proceeded to tell me that because I had deposited a check in the ATM and had a hold, that they placed a HOLD on my CASH deposit with the teller as well. WHY? I didn't deposit the cash in the ATM, but with a live person who counted it out. I also got a receipt showing me to have a POSITIVE balance. The supervisor on the phone would NOT take the hold off the cash so that I could finish paying for my tailoring, and now I have to go back at a later date. I will most DEFINITELY be closing my account and going somewhere else. And I am a new customer! THIS IS CRAZY! Treating CASH deposited with a TELLER as a check! SMH!

TCF needs to update there technology. I bank with tried them BRIEFLY but took my business back to Chase today.
My cash deposits would take days to clear and the customer service is HORRIBLE.
I've banked with Harris, Bank Of America, and Chase...TCF is by far the worst of em.

I srongly suggest that nobody do bussiness with this banking system since aug 1 2010 thwey have changed all ther so called policies and now they claim that they are legal to rip off people that they call there costomers not only do they have the worst costomer service but over the last five years on my bussiness and personal accounts i have had five thousand dollrs in fees and i have paid and paid them and i am fed up clark zaccardi @nonamefloorcare@yahoo.com

The reason why we hold your cash deposit is because Ive opened ATM envelopes in the morning when I run the deposits and some of them are short huge amounts of cash or empty. Thats why you should always use the tellers. All ATM deposits are next day availibility!

I thought I was the only one that noticed, about this bank practices saying it is pending, then2 days later they charge nsf $35, while the money is in the account.I wish they can be investegated and refund all that extra charges back to us

I've had the same experience with TCF. I thought it was just my bad math. But it appears it's a bigger, out of my control issue. I had money to cover transactions, had one that put it over quite a bit over, but I made a deposit later that day, because I thought it'd prevent overdrafts. What they did was put that big transaction ahead of the other smaller transactions that would have cleared so that none of the transactions cleared! I hate banking with TCF. I also had the same experience where I opened a saving account with the understanding that it would be used in case of overdraft. Guess what, although I had money in my savings to cover transactions, I incurred overdrafts and was later told that they don't do automatic transfer. How convenient and profitable for them.

Does anyone know if, I, as a customer could have my account audited by a private auditor? I'd like to find out the true nature of this bank. I have a feeling that I might actually be ahead financially instead of always in the hole according to their banking practices.

Beware. TCFbank practices LAG balance to make money from their customers accounts.
Deposit 50. Go spend 30 at walmart. 10 Gas. 10 at KFC. Their system will hold back KFC & GAS because it's considered minor charges and incredibly people tend to overlook those charges more often than the big store charges. The Gas & KFC stays in limbo for days or a week. Your balance however magically stays the same and thye allow for charges that went over the KFC & GAS charges. They basically will not calculate from those minor charges and will do this days or weeks hoping you forget about them and spend based on what you see according to the online balance. At a certain time when you finally hit a perfect OD amount they recalculate and actually do an a rework of your balances and amounts as well as charge dates. I have caught them wrongly calculating the charge dates on nearly most of my GAS & minor charges. So BAM $35 KFC, BAM $35 Gas, Bam $35 Wow, & so on down the list of minor charges that were in limbo awaiting the account re-balancing.

It's a good idea to leave TCF, go to wells fargo or somewhere else where you get real up to date spending and balancing for all your financial transactions. The downside of the other banks is that they are not free unless you are a student or part of some non profit agency. I am with them now and everything is calculated including the PENDINGS so you can't OD. It takes effort to OD at WellsFargo and once you OD you hardly want to battle it out cause you knew. Very nice.

TCF can go to hell.

I just had the same thing happen to me. I went online because I knew I may OD, saw that I was because of PENDING transactions in the amount of about $17. Since it had previously been explained to me that PENDING transactions were not held against available funds, I transferred in $600 from savings, thinking I'd be safe. Low and behold, 2 days later I get 4 NSF fees totaling $140. WTF? I called them to straighten it out and was told I needed to be better at keeping track of my funds. On top of that, they charged me $5 for mail they sent me that the post office returned. I had nothing to do with that, why was I charged $5? What happened to the policy of TCF, the no hidden fee bank? I was able to get half of my money back on the phone, will try for the other half tomorrow at a branch, then will transfer my sizable savings account somewhere else Monday. I'm done with this ###. Credit Union, here I come.

TCF = SUCK ### RIP OFF!

They changed their pollicy on 4/1/09. Now pending trans actions are held against your account and make the funds "unavailable". I ran this scenerio through with the bank manager, and she agreed, but seemed like she didn't care one bit.

-You deposit $20 in your account. Go spend $4 at starbucks on a cup of coffee. Then go put $1 in gas in your car, BUT the terminal at the gas station authorizes you for $20 (as most all of them do). When that $4 hits your account, the $20 "authorization" is "pending" and therefore the money is "unavailable" BAM $35 FEE! So you deposite $20, spend $5 and somehow are magically hit with a $35 dollar fee.

Funny that at the exact same time they changed this, they changed another pollicy, the amount that they will continue to authorize, when you're already negative! Before when you "cleared" ballance didn't have enough to cover a transaction, it was declined. But now with the new pollicy that's done away with, OH, but you can "opt" out of this part by sending in some letter to a PO box that'll fall through the cracks and nothing ever will be done with it! Now really why would you opt both of these at the exact same time. Well it's because they sneak the first couple overdrafts in there (even though you had money) but if they were to alert you that you were already negative (by declining your card), than they couldn't hit you for the other $500 in charges.

I personally RARELY ever have a problem with OD charges, cause I keep a close eye on it. 3 snow ball's this month with a total of more than $1000 in overdraft charges. All three times there was money in my account, more than enough to cover, but there were magically "authorizations" that made the funds "unavailable"... Get the ### outa here...$1000 when I actually had money in there?

As a customer I'm entrusting my money to a bank, I turst them to hold it, take care of it, watch after it, and make interest with it. I shoul NOT have to pay them when I'm doing a servie to them by LETTING them hold on to it for me. I'm LOANING it to them to make a piss interest rate so they can intern loan it back to me at 7-8% on a house 10-20% on a car or 15-30% on a credit card? Now on top of that I have to pay them out the ### because of how their magical system calculates things? ### THAT!

Becasue I did have issues with transferin money before when their online was down, I tried to get OD protection. I was told "Oh yea, no problem, with you're credit score we're going to give you the max ($2K)" Two months later, I got OD charges again, come to find out they didn't set it up. Not only that but they didn't give a ###. They had to repull my credit (which hurts my highly guarded score), and then they come back and tell me that I've had too many OD's in the last month that they can't set it up? WTF? Really? I have OD's cause those ###s didn't do their job right the first time, and you're not going to give me a line of credit cause you're affraid that I"m going to use it? How does that work?

I think what they really meant to say was, "If we set this up for you than our big wigs with inflated sallaries can't screw your ### as hard and take your hard earned money!"

Yes they did inform us though. Somewhere around March, it was on the last page of your statement, written in really small writing, disguised with a combination of legal, and "we're helping you" lingo, with statements like our debt system will be in "real time" (like it wasn't already before) sounding like they're updating to some cool new system. It was in that part with usless stuff that NO ONE EVER READS! Oh, and somewhere in the "we'll screw you" section of your paperwork when you first opened the account, you agreed that they could change pollicies to steal your money at any time, and you're ok with that.

Funny thing is ###s (probably who work there) get on here to defend them saying statement's like "well you just don't know how to manage your money", funny thing is that's the exact same attitude that the employee's there have too! I know that the complaint rate, and account clouser rate, AND the amount of online bashing has increase ALOT since this pollicy has enacted. Why cause we all can't manage our money? No you ### stick! It's because this policy SUCKS, and was soley implamented and designed to SCREW US out of our money... Again, why would you enact BOTH these new policies at the same time? Neither of them help us, One is designed to take the money, and the other to inflate the amount they can take. They word it like "we're doing you a favor by allowing you to purchase and by covering your purchases", the thing is though, by the time they're authorizing things because the funds aren't available you're well stooped into OD charges, AND to add to the confusion, they don't show up till a DAY LATER, so even if you think you got things straight, YOU DON'T cause they're already working on ###ing you again!

### TCF! And ### every last employee with the "I don't give a ###, it must be your fault attituede!"

I have come to the conclusion that TCF are nothing but Scam artist. Ihave finally caught them red headed manipulating my tractions to cause my account to go into the red, and then charge me overdraft charges. Here is a classic example of how they do it and I'm certain this is part of their banking software. When your account gets below a certain amount you start noticing unsual fees (non TCF atm fees -on debit transactions) this is how they start the scam, they know you can't possible knowhow much money is in your account and to help the process along they add on the hidden fees in the hopes you cross the magic treashhold and your account goes negative but most of time its because of the fee you don't know your being charged. Other times they just move transactions around to make you account go negative to charge you a fee; when you call and complain they offer to remove half the fees, but your still stuck paying riduculous amount. I am through with their bank and I enourage everyone to leave also.

HA! you CANT close your account! they hold some transactions untill you do and there go the NSF fees again. Thats what happened to me and guess what... it was for redbox movies more than a month ago.. hmmmm. Makes you think why they are outside every jewel

this banking industry is absolutly crooked and i cant for the life of me see how they get away with all the over draft fees and lies and the worst and rude behavior of there costomer service.

tcf bank is the absolute worst bank and most crooked bank i have ever delt with they have the worst costomer sewr5vice and they lie to ther patrons and never give straight answeres and they have over the last five years charged me at least 5000.00 in overdraft fees and some of these errors were my fault but most of it was due to there crooked procedures please help me figure out what to do to sue tcf banks thanks clark zaccardi @ no name floor care @ yahoo.com [protected]

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]..

Tcf is garbage. I have been with this bank for years. Mysterious disappearing and re-appering account information. I had a 34, 000 money transfer into my account at TCF.
I went to the bank to open up two other accounts in this same bank and was told by the bank manager that she couldn't approve letting me get funds out to pay my bills or open up other accounts because it had to post. But I was able to use my debit card so that they could rack up more charges on my account. She told me that my money which I had might fall off the map. Bull! And to think I was going to deposit $100, 000 into this low life bank. To end this on a positive note, thanks TCF for sending me to Chase.

Each teller needs to switch to the next days business at 3:00; hence the next window sign.

Dont go in the branch at 2:45

I've had TCF for way too long (8 years) but I've never really had a problem until the last 6-9 months. Almost same as above complaint, also $0.30 charge for each time I used my debit card as debit (which is so ridiculous in my opinion )and they hit me with multiple overdraft charges, even when it was clearly their fault, all of which came out of my pocket because I just got sick and tired of being transferred again and again to other people. I've since taken my business elsewhere and opened up my new account with a bank through my employer. I did tell the last person I talked to from TCF "You people should be ashamed of yourselves--screwing people out of their hard-earned money" and they said "But sir, that's not the case at all" to which I told them to F*** off, I'm taking my business elsewhere, and I have :)

Tcf is full of it. They think since most of there customers are black that we are stupid. That is not so especially when it come to money.

So the bank tries to protect you and has great security prctices..
I would be upset as well! Get serious. You should take your $100 and go to antoher bank...haha

Wells Fargo has taken 2 thousand dollars from me in less than a year - creating situations so that they can charge me for overdraft. They put a cap on how much of my own money I can take out of an ATM per day and when I call to increase the limit per day they tell me that they wont do it for me because I have had insufficient funds in the past. They treat me like ### because of the insufficient funds and when I found that my card was used without my permission and thousands of dollars went missing. There was nothing they could do - they couldnt even lift the daily limit of withdraws so that I could get the rest of my money out of their bank. They still havent responded to my dispute and it has been 7 days.

Same problem with me. They basically charge TWICE: once when they "hold" the money and again when it clears. Outrageous! I plan to complain to EVERYONE until something is do. MY experience is with Wachovia that is now part of Wells Fargo.

Amen! I have been on unemployment and I don't think I have seen a full check yet! My son I and I are going without groceries because they keep stealing my money! I had to open a new account somewhere else because as soon as my unemployment check goes in they take 1/2 in overdrafts! I have never had this problem... Obviously this is a growing problem because Dateline had a report last night! The banks have made 38 BILLION dollars this year from over draft fees! WHO BAILED THEM OUT? WE BAILED THEM OUT TO TURN AROUND AND SCREW US?

The overdraft charges on pending transaction are so dubious. The funny thing is they do not apply a pending credit to one's account if it comes against a pending charge. The logic is warped. If you are going to charge me an overdraft fee for a charge that has not even been posted yet; but, when you deny me the same logic when it is a pending credit to my account, you in effect vitiate the whole argument for charging an overdraft fee on a pending charge. A pending charge has not been paid to the merchant so why charge the customer if that throws an account into negative. Something has to be done with these banks. This is what you all need to know. They will reverse the overdraft fees if the charge is reversed by the merchant. If it is something you bought and you return it for the full amount, the charge should be reversed. A lot of people don't know that.

At least your not with Bank of America, its much worse. I got charged 35usd over a 30cent overcharge, ontop of the fact I had money in the savings that they were suppose to take the money from to cover it. Then they decided to hold money so the 'store' charged each order seperate. Giving 2 additional overdraft fee's which 'were' covered completely. All in all its costing me 180usd over a 40usd overdraft. with 5overdraft fee's and still waiting on the 'extended' because I can't make a payment on it until after the first of next month..

Yes, TCF has become really shady. Just last week, I had about $100 in my account and charged around $80 over the weekend. On Monday all the transaction were pending still and I had 4 items post which brought my balance to around $60, more then enough to cover the other pending charges. So around 7-8pm on Monday (which is considered the next business day for the bank) I pulled out $100 from the ATM figuring my payroll was coming in over night and it will cover the available balance that went into the negative. But no, TCF decided to turn the transactions around and put the $100 withdrawal first before the pending charges and 4 posted transactions that happened in the morning and say I caused my available balance to go into the negative for the day and those 4 posted items were paid for by TCF which they charged me $140 in overdraft fees, even though my payroll came in overnight and put my balance way in the positive. I called them up and the guy hung up on me when I asked to talk to a supervisor, so I marched up to my local branch and was able to get the branch manager to refund 3 of the 4 fees. If they didn't think it was messed up, she would not have refunded any.

I just read RMR and I am contacting the State of Minnesota because when they see the documentation I have they will agree that something is not right! I will let you know how it goes...

Yes! I am having the same problem! The online banking is a joke! The tellers have no idea what they are doing and according to the Bank Manager where I live all the banking policies changed in April. I have also noticed that they hold all the pending transactions and then let everything through at once. They are stealing my unemployment check with the constant overdraft fees! I have my deposit slips that show my available balance, I have printouts of what my online record is telling me, and the overdraft statements showing me what my available balance was at the time of the transaction and nothing seems to coinside! I am closeing my account and going purely to cash!

I agree this bank loves to take money from ppl in overdraft fees. They took over $400 bucks in fees last month when i had money pending...tho it takes 3 days for atm deposit to clear all the sudden?! ya right i'm done with them! Plus their emplyees are not perfessonal. All together this bank sucks and I would never refer them to anyone!

My situation was not good also, I work for the VA Medical Center in Ann Arbor, Michigan and one day there was some workers from the TCF bank there giving out some wonderful free things and so I talked to them and they had a offer, if I open a account with them that day, I would get free Money into my account after I made a deposit. Well, I did not find the bank in my area and I was told the account was not a active account until a deposit was made. One day I got a box of checks and another week, I got a statement from the bank telling me that I had a overdraft for $148.00. that I did not pay for the shipping for the checks and I did not make a deposit into the account, so I was now overdrawn.
People please be so careful, do not open a account with a bank like I did in hopes of some free money and a few gifts like a pen and things, it goes to show you that nothing is for free, evn a ink pen.
When I called the customer service people number that was on the Statement, I got a nice lady on the phone and said she would give me a credit and close the account for me and then she put me on hold and said that her supervisor said she could not do that for me that I had to go to the bank that I open the account with and I did not go to a bank and to this date, I can not find the bank.
What a scam and a joke, this bank sure is not customer friendly, this is wrong and Not right.

James e. Staley
Ann Arbor, MI

staley-james@sbcglobal.net

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]..