First and foremost, worst experience ever. They lied many times, received a debit card in the mail but no pin, was told the pin would arrive in 2-3 days. NEVER CAME. Took over a month to receive a WORKING debit card.
They have many many kinds of dumb fees. They scam you with over draft fees (over $400 in my case) i did the refer a friend and never received my $25.
The tellers harass you into opening all kinds of useless accounts.
You can't do debit, only credit.
I would never recommend this bank to anyone.
A lot of the times that I do go into a TCF I have to wait on individuals who seem like they never had a bank account before and the line growwssss, not always but around but 35% percent of the time. Although the staff are very friendly, when the line does grow there are staff members just standing around, which is very annoying. However, I guess I'm lucky enough to have 2 branches just a few miles away, complete with ATM machines. Their online banking is excellent to say the least, and there is a way to ensure you don't get stuck with overdrafts. If you have a pending item on a Monday for example, make sure you make a deposit before 2:00 PM on that day and you should be safe. Another good thing about TCF Bank is that they are open 7 days a week. On the other hand in a city the size of joliet there are only 3 branches that I can think of. But, they are located within a couple of miles from me as indicated earlier. When it come to overdrafts, all banks are in it together. I remember back in the 90's, a bankster was on TV saying the reason they are so high was to "discipline" the consumer so us not to bright consumers would be more careful in the future, and balance our check books properly. Now I see why Elvis shot his TVs, that was before ole Bill killed the Glass-Steagall act. I also have direct deposit, never had a problem, and in the 2 and a half years I've been with TCF I never had an overdraft, I've been lucky a few times. And like all banks, let's say you have purchased by 5 items, 1 big, 4 small, they'll take the big one 1st so as to guarantee that all 5 bounce. That's the oldest trick in the book.
TCF has lost TWO payroll checks that were suppose to be deposited into my account. That problem was bad enough, but what made it worse was their unwillingness or inability to address it. I am a college student trying to save money, working two jobs and TCF (totally careless frauds) gave me a laundry list worth of things to do rather than being apologetic and fixing the problem. DO NOT BANK WITH TCF!