I was just recently charged $148.00 in NSF fees ($38.00 each) when my account was not overdrawn. I called the 800 number and the lady was less than helpful. She offered me a refund of one of the $38.00 fees as a "courtesy." I went to a branch near work to talk to someone and the person at the branch was even worse. I've filed a BBB complaint and if necessary I will file an OCC.gov complaint. This bank is terrible. I can't wait to find another bank to do business with. It's funny that they offer $25.00 for referring a friend. Why not spend some time just keeping your customers instead of driving them off. I wouldn't refer someone I didn't like to the bank let alone a friend or family member.
I have had horrible service with TCF BANK. If you call the Duluth office in Minnesota they tell you that you must call the 800 number because the phone line (which is local) "isn't secure". That makes no sense.
Every time there's an error with their checking over draft fees (which it's $37 each time you make any errors or if they POST something after a deposit is made but screw around with the dates instead so you get over draft fees, which they do) - so enjoy paying $37 in nsf for any transaction, even if it's $1.10.
Also check out these fees they charge your checking account each month. You pay an ATM fee at any ATM that isn't TCF already, let's say $2.50 which says is charged to your account, well now you pay TCF each month too: Service Charge or Fee CHECK IMAGE FEE
$-1.95 Service Charge or Fee ATM FEE-PLUS SYSTEM
$-6.00 Service Charge or Fee
$-15.00 NON-ET NON-TCF ATM FEE
These are they fees charged to my account each and every month, so lovely.By the way they randomly charge the account, usually it's the LAST DAY OF THE BILLING MONTH, but if you happened to be "over drafted" and they charge these fees -- guess what? You get a NSF fee of $37 per charge!!
I think this place should be investigated for fraud.
They charged me fees over an over again it was a bank error every single time wouldn't reverse fees, by far the worst customer service the worst bank quality!!!!
Wouldn't be surprised to see the bank fold in the next 5 years, it's desolate and dead every single time I walked into a branch, now I understand why!!!! My advice don't ever bank with Tcf!!!!