MyBankTracker rated TCF Bank based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.
First they took advantage of us by charging us $74 in overdraft fees. When we asked that it be waived as we were not interested in their overdraft protection, they told us that there is nothing they can do because we are asking in more than 14 days after the charges were billed. This is nothing but an excuse. One of our transactions was $15. The overdraft charge that it cased was $37. Then i locked out my account. The first rep i spoke to just unlocked it. Then i ended up locking it again 2 weeks later.
I ended up with a different rep who had a completely different standard of what he will be needing to unlock the account. This one wanted the card or account number in addition to the usual social security, etc. Verification info. I did not have it with me so he refused to unlock my account. So now great i have to call again later. I need one more month to transfer all electronic payments out of it and then i can't wait to close the account. Hopefully i'll have an opportunity to tell the rep when i'm closing the account that they are truly "! @#$ bank. "
I have had numerous experiences with tcf which, after decades of loyalty since great lakes, the original bank, was formed. The personalized service has completely disappeared. The staff rotation guarantees that you will never get to know anyone that works there. Recently, the manager at the briarwood branch, after failing to explain or check with any superior, simply turned her back and rudely dismissed me.
When asked to give me the name of her superior, she refused. Interesting episode. It is a hopeless situation. I am moving my business 20 yards away to chase. They have a far superior organization. Able to accept wire transfers from international banks, a level of financial information that is satisfying my needs both small and large. Tcf should not be considered a place that cares much at all about real customer service. And..
We are supposed to entrust them with our money?
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.