Not very friendly, not cusotmer friendly. Will not accomadate it's customers, seems to be more friendly to blacks. 95% black employees. Will not allow customer to buy a box of coins, pennies, nickels, etc. Told me they don't have the room in their safe to store coins, only for business customers.
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.
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.