in todays age you can go to a ATM IN Japan and take money out of your account in Michigan. But try and deposit a check from another bank into their bank. hold for two days. i changed my bank to chase. however, every bank i went to said in todays electronic age they have access to your paycheck money immedicately. i was told that TCF bank computers are a few decades old. in chase i take a picture of my check, even if its from Guam and by 5 p.m. that same days i have access to the money. with TCF. even if an ATM says mmomney is available,or online wiut Tcf it says the transaction has been posted a check will still get paid but they will show it as a bounced check. Terrible, inconvenience

This bank would rather make a buck than make customers happy! I have no idea how they are still in business! When you call you can not speak to any one in charge because there is apparently no one in charge!! Horrible terrible bank!

TCF branch in Champaign is run by part-time student tellers. I had to wait for more than 10 minutes while three bank people standing there had nothing to do. Very inefficient and not professional for banking experience. At the end, they do ask you for donation though...

After 35years of loyalty to TCF for all my banking I sat in the Branch Managers office yesterday for 15min with not one word of exchange but sign here, account is now closed! I never felt so invisible, disposable and unappreciated. He didn't offer a word of Thank You or how else can TCF serve you or meet your needs. I can't believe they keep him around as Branch Manager, please get him some training on customer service, a smile, handshake, and manners go a long way!!

can't get to a live person...

Tcf is the worst bank in the world. If you have a mortgage with them do not have a checking account too. They will steal money out of your checking account to make your mortgage payments. They are rude, threatening, and they love to use fear tactics. I would never recommend them to anyone - ever!

Paid off a $340k loan + interest in less then 30 days. Loan officer brad willis signed off on it. A month later i get a bill for an additional $448. 00. Loan officer told me i would get a credit but instead i get a bill. When confronted with this issue he gave me a load of crap which exactly what it was. I paid the bill and closed all my accts. I would never do business with this bank again and never! Never trust this loan officer. Worst experience i have ever had!

I've had many problems with them in the past, but have banked with them for years because it's very convenient inside a Jewel Food Store. The other reviewer is correct, they lie all the time and they're very sneaky. My most recent problem is one that's put me over the edge and prompted me to warn others! I was encouraged to open a brand new free checking acct. recently because I was having issues with my other account and I wanted a "fresh" place to have my tax refund direct deposited. So, I (against my better judgement) did open this account with 25.00 and the next thing I know I went to make a deposit, and teller lets me know I"m under! How can this be, I didn't even do anything except open the account? She tells me some agency named American Recovery, some how associated with them, has attached 107.84 hold debit to my account based on some supposed 6 year old account I had with TCF? I told her I didn't know what she was talking about. So, she gave a phone number of American Recovery, and suggested I talk to them. First I called TCF customer service from the number off the back of my debit card. They said they didn't have any info, just to call this American. I called them and was told that it 's from some old closed account back in 2007, that there was an apparent balance owed? I asked why I wouldn't have been notified or taken from my current account. She said back in 2007 a notice was sent to some address- I never even lived at!! She said I had to call TCF, she didn't know anything else! I did, complained and demanded proof of old statements last week! This morning I go online to view my account and saw they took the 107.84! I called TCF, and got some "call center" in MN! I told this guy the same thing, you can't just take money someone's account, it's against the fair credit and reporting act! We went around and around, he said he'd send me the last three statements and I could call back and complain then! I'm advising everyone DO NOT OPEN AN ACCOUNT WITH TCF

They lie and dont admit it!!!!! The absolute worst banking experience in my life. Closed account after 4 months. And they still lied when i asked if all my checks cleared so i could close account they told me all checks cleared and that wasnt true again. Branch at jewel on 2900 n. Ashland, chicago. Dont ever open account. They are predatory people and bank.

First and foremost, worst experience ever. They lied many times, received a debit card in the mail but no pin, was told the pin would arrive in 2-3 days. NEVER CAME. Took over a month to receive a WORKING debit card.

They have many many kinds of dumb fees. They scam you with over draft fees (over $400 in my case) i did the refer a friend and never received my $25.

The tellers harass you into opening all kinds of useless accounts.

You can't do debit, only credit.

I would never recommend this bank to anyone.