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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.


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TCF Bank Customer Review

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Schipani's Profile Image

1 out of 5 marks

Reviewed by Schipani

May 15th 2012

Terrible Customer Service and High Fees

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.

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Other TCF Bank Reviews

CharlesRathmann's Profile Image

Reviewed by CharlesRathmann

May 20th 2015

1 out of 5 marks

Predatory jerks

I was running a small business and set up accounts at TCF because I was getting checks in the door and they were close, making it easy to desposit. As mentioned by others, their overdraft policies are designed to result in fees for even the most responsible people.

We then made the mistake of refinancing our home with TCF. They hit us with a balloon loan (this was at the height of the financial crisis), but we figured we would refinance before the interest rate increased. Unfortunately, they stuck a clause into the deal saying we had to pay a penalty if we paid it off before the full term of the loan. So we had to eat that.

More recently, I went back to close a few accounts I had left inactive, and found they were almost drained with an inactive account fee they added. Compounded over time, they stole thousands of dollars from my accounts with monthly fees just for having money in the bank.

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jgdinger's Profile Image

Reviewed by jgdinger

May 19th 2015

1 out of 5 marks

Hijacking your deposits

When it really counts - like trying to buy a house, TCF fails miserably in every way imaginable. I transferred a large amount from another bank into TCF, and they hijacked that deposit for the full 9 days. I called to ask what was up and they blamed it on the other bank. So then I got my other bank on the phone, verified that the funds had been RELEASED by them, and we conferenced called TCF, who then made an about-face and admitted that they just couldn't make the funds available to me yet, even acknowledging that they lied initially. Now fast forward, and I need to make a wire transfer out of TCF to the mortgage underwriter. I called two times in the week leading up to the closing date to verify how the wire transfer works, and how long I will need. They ASSURED me that as long as I completed the paperwork in the branch before 2PM, it would be all cleared by noon the next day. Now it's the next day and the wire hasn't cleared yet. I call them and ask again what's up. "Well since it is a large amount there are extra steps to verify, I can assure you it will clear by 3PM". Hold up. 3PM?!? YOU JUST TOLD ME NOON!!!!

The second I close on my house, the very first thing I'm looking forward to is closing my TCF accounts forever. Avoid this garbage institution at all costs or you'll regret it when it matters most.

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