Overall Rating

C
Grade

TCF Bank Report Card

Overall rating score 37%
Customer Rating
Financial Health
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TCF Bank Customer Review

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michigancustomer's Profile Image

1 out of 5 marks

Reviewed by michigancustomer

Jan 27th 2013

They do not even deserve 1 star.

I have had nothing but problems with them. I took a cash deposit into the branch one day and they "lost" it causing me a lot of extra stress I did not need since I was 8 months pregnant and my father had passed away 2 days before.

Now I look at my account and they charged me a $37 NSF fee because a large item that came through unexpectedly put my account in a negative pending status, and even though a payroll check cleared before the item did they said a $4 purchase I made earlier in the day (when it was not negative) cleared while I have a negative pending status so they charged me. They refused to refund the NSF even though no negative showed on my account.

Guess what TCF, I will be getting my $37 back when I move to one of the three local banks that are offering $100 to sign up with them, and as soon as my account is closed and free of you I will be contacting the Better Business Bureau!

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Other TCF Bank Reviews

abbieGale's Profile Image

Reviewed by abbieGale

Apr 10th 2014

1 out of 5 marks

Like pulling teeth

I opened a savings account with them and deposited the minimum amount before the deadline. They charged me an overdraft fee that month. So I went in and explained what happened and they apologized and reversed the fee. The next month they made the same error so I went in to have it corrected and they apologized for a second time and fixed the fee. Then it happened a third time and I said that I didn't trust them and wanted to close my account. They wouldn't let me close the account until a month had passed for some unknown reason. It's been closed for five years now and I still have problems with them trying to charge me for an insufficient funds fee.

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Chelinra's Profile Image

Reviewed by Chelinra

Apr 11th 2014

1 out of 5 marks

Outrageous fees, and impossible to reach a live human via phone

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.

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