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 opened an account several years ago in order to have the convenience of a local bank, as my primary bank is based in Texas (USAA). I was told at the time that due to the status of my account, I would not be charged fees regardless of how much was in my account or how often I made transactions. This held true until two months ago when TCF began taking $10 out for my inactivity. I attempted to call TCF to figure out what the heck is going on, and it turns out that the local number rings and rings and is never answered, while the 800 number is purely automated no matter what button you press. As a result, I will be going in person to express my angst, and I will be discontinuing business with this bank. When you only have $80 in your account, $10 a month in fees is absolutely ludicrous.
I never received any letter or email indicating that there would be a change to my status, so I really don't know what the deal is. My husband left TCF a couple years ago when they pulled a similar stunt with his account due to his not making the allotted amount of transactions per month. At that time his account was far more active than mine had ever been, and yet I was not penalized until just this past February.
The Tellers are always friendly! Ive never day issues! The new daily overdraft fee a lot of people don't know is actually to benefit most! If u think about it most people have multiple ways of accessing their account. If you overdraft it you normally now within the day that you did. So instead of charging people for $35.00 an item times 5 transactions they charge u 1 $28.00 dollar fee. Now even if u only overdraft by one item that is still over then the $35.00 dollar fee. So all the bank is asking u to do is checks your account on a regular basis. Doesn't seem that hard right? On top of that there are many ways to avoid getting those fees in the first place! More basic knowledge don't spend more then u have and your fine, common sense right. So for all those people that complain about overdraft fees use your brain and ive found out that as long as your not screaming at people they are willing to help u if their is a mistake on your account! So if everyone just uses their brain once in a while u should have no issue right. Again common sense!