I have been a TCF customer for 4 years now. I chose TCF because when I was a customer at Wells Fargo I would be charged new fees all the time for having checking and savings accounts along with fees for having a credit card and a debit card. TCF does not have any of those fees. They also stand by their commitment to pay their customers for referring new customers. Many of the dissatisfied posts are due to people over-drafting their accounts and their not wanting to take responsibility for their actions. It doesn't matter where you bank, if you over-draft your account you are going to be charged fees. As long as you keep money in your account and do not over-draft it you will not have any issues with this bank, and you will also not be assessed many of the regular fees associated with most other banks!
TCF Bank is the worst bank I have ever dealt with. They constantly change their policies on what fees will be charged, how they are assessed, and how to read them when they are applied to your account. The customer service is horrible and the employee turn around rate is very high (They must treat their employees bad too)! I will be closing my account as soon as I can get to a location.
They charge you every chance they can, i had items in pending and the order they were in i should have been charged 1 overdraft fee of $37. Well they took and changed it around so they could get me 4 times 1 day then 2 times the second even though i brought them cash before 3:00 pm. The teller told me i'd be fine since i brought cash & wouldn't get od fees, well they didn't honor that, they charged me anyhow. They just take any trust you have in their bank and wipe their butts with it. Plus they don't have allot to offer like a credit union or normal bank like visas or loans. Just stay away, they don't know how to treat their customers. The ceo or the higher ups are not so bad but talking to one is impossible. Your best option if you do bank tcf & have problems is to write a letter. The staff at these fly by night branches are youngsters that obey the computer, don't believe in the customer or that we are always right. They're just scared little kids at a job they know nothing about except how to do basic math. Good luck to all that don't heed my advice.