Bank rating
On average consumers have rated TCF Bank:
Based on 5 reviews
(1.4 out of 5 stars)
About the bank
TCF Banks are affiliated with TCF Financial Corporation, a financial holding corporation based in Minnesota. TCF has 448 banking offices in Minnesota, Illinois, Michigan, Colorado, Wisconsin, Indiana and Arizona.
“Very good hours! Not a 'professional' bank, but easy to use, convienent.”
I realize there are only reviewers that have had issues with TCF visiting here and adding negative comments. While I've had issues, which they have resolved, I've been a customer for about 9 years. I would call TCF a college bank, not a professional bank. I wont go to a TCF location asking for financial advice. At the TCF locations I go to, the "managers" are 20 somethings just starting out, with probably little experience/money in banking/investing. The tellers are about the same, but usually very friendly and helpful. The best thing about TCF is their hours, 8am to 8pm 7 days a week is unheard of banking hours in my area. Other local banks hours are from 8:30 to 5pm M-F, which is useless hours if you have a normal job. Other banks hold your money hostage!
It really depends on what you're looking for in a bank, TCF offers the best rates around for checking, easy online access, and great hours! If you're looking for free professional financial advice from a bank, go somewhere else, and you'll pay for that by getting less in interest! I don't really call them that often, I'm usually handling everything online or at a branch, but everything I have called about, they've handled.
TCF is a regional bank, with many locations in my region, so its very convenient (they are in like every Jewel around here). Different from another reviewer, in my area they always have two tellers standing at the counter, and there is rarely if ever a line! Usually one teller is always available, no waiting!
“Nothing to write home about”
I was with TCF for about 4 year, and my time there was ok. Nothing horrible, nothing great. Their rates are very low, but most banks with public branches are (US Bank, Wells Fargo, ect).
One negative thing I can say about TCF is they offer no practical overdraft protection. I say practical because what they do offer is setting up a loan with a 3rd party lender that will borrowed should you overdraft. Why not just transfer funds from your savings (for a fee) like most other banks offer?
Also, their online banking is incredibly archaic. No one wants a nostalgic reminder of how ugly the Windows '95 look was, especially in their online banking.
TCF is an average bank. There's not really much else to say.
“Customer Service is Hands Down the WORST”
The corporation does not work with customers or non-customers at all. Makes the simplest transaction difficult. The Cub Foods branches are generally understaffed with long lines on commonly banked days such as Saturday afternoon. I have actually had to stand in line for a simple transaction for more then 30 mintues with 1 person at the counter and 3 people in the back room. I have had issues with the bank teller not understanding simple English. These are things that should be important to a bank that wants business brought to them.
On another note, in retail, the store I worked for refused TCF checks because they were the most commonly returned check.
