I am like most individuals in the 21st Century; I use online banking daily. With another bank, it is very accurate. So, I decided to open an account with a new bank-TCF only because it was a promo within a grocery store and I saw the commercials "open 7 days a/week"....great (I thought)!
I was shopping and a bank rep approached me & told me we have a $35 promo-if you open the account today. So, I decided to go ahead and open the acct. Well, the promo for a FREE $25 was never given to me. An in-store teller told me they knew anything about the promo. After a couple of weeks, I noticed the money never was credited to my account.
However, the worst part was being assessed $74 in NSF fees ($37 each) for 2 transactions that showed to be in a positive balance on the day the transactions were completed & even today (10 days). The representative at the branch told me to contact customer service because he could not explain why I was assess those fees. The teller at the 800# said that even though on the website, online banking states "current balance including pending transactions" is stated with a date and time stamp, it really isn't the most accurate information. She stated the most accurate information is the paper ledger. She stated even though I used the pin for a POS transaction which is suppose to deduct that amount immediately and post to my balance, that and a credit transaction would only be paid after a "PENDING" transaction. I clarified this statement, a pending transaction would supercede a post transaction? She stated yes. I never heard of a posted transaction, which is usually a settled/closed transaction, being paid after a "pending".
However, at the time those transactions were done and today with a print out, I was in the POSITIVE and yet, I was assessed $74. She said she would credit me $15 of the $74 and send me a ledger with the terms and conditions. I am now going back to my former back as my primary bank !!
Beware- shady stuff with TC
i had an account in which i held money, no interest rate, so they used my money at no cost. i withdrew money in cash because i was unemployed so i could have start over money, i accumulated quite a lot of money, but i withdrew the money from their bank. i got a job so i didn't need the cash anymore so i deposited the money back in a lump sum the quizzed me about the money and i answered their questions but now they are closing my account. they suck
I am Trustee for my 87 yr old grandmother whom has alzheimers and when I contacted [Redacted] (Assistant vice pres retail lending) about refinancing a small mortgage for my Gma. I was blown away by the obscured transactions that transpired. [Redacted] responded to my initial email with a puzzling response claiming that he had no access to Gmas file and that I should call the 1800 number. Consequently when I did as he advised the woman I spoke to tried to refer me to,[Redacted]. Furthermore I explained to her, he was the reason I was contacting her. She then expressed her confusion as to why he would do that and stated she was going to call [Redacted] to get some answers and also stated that she would call me back within 24 hrs; needless to say I never received a call back. The saga continues with TWIN CITY FEDERAL and their ridiculous banking practices!