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!
A lot of the times that I do go into a TCF I have to wait on individuals who seem like they never had a bank account before and the line growwssss, not always but around but 35% percent of the time. Although the staff are very friendly, when the line does grow there are staff members just standing around, which is very annoying. However, I guess I'm lucky enough to have 2 branches just a few miles away, complete with ATM machines. Their online banking is excellent to say the least, and there is a way to ensure you don't get stuck with overdrafts. If you have a pending item on a Monday for example, make sure you make a deposit before 2:00 PM on that day and you should be safe. Another good thing about TCF Bank is that they are open 7 days a week. On the other hand in a city the size of joliet there are only 3 branches that I can think of. But, they are located within a couple of miles from me as indicated earlier. When it come to overdrafts, all banks are in it together. I remember back in the 90's, a bankster was on TV saying the reason they are so high was to "discipline" the consumer so us not to bright consumers would be more careful in the future, and balance our check books properly. Now I see why Elvis shot his TVs, that was before ole Bill killed the Glass-Steagall act. I also have direct deposit, never had a problem, and in the 2 and a half years I've been with TCF I never had an overdraft, I've been lucky a few times. And like all banks, let's say you have purchased by 5 items, 1 big, 4 small, they'll take the big one 1st so as to guarantee that all 5 bounce. That's the oldest trick in the book.
TCF has lost TWO payroll checks that were suppose to be deposited into my account. That problem was bad enough, but what made it worse was their unwillingness or inability to address it. I am a college student trying to save money, working two jobs and TCF (totally careless frauds) gave me a laundry list worth of things to do rather than being apologetic and fixing the problem. DO NOT BANK WITH TCF!