I opened this account, but never used it for 3 years. After moving, I decided to withdraw my funds to empty the account. Despite only withdrawing the amount which I knew to have placed in the account, I was charged an overdraft fee of $35, because shortly before my withdrawal TCF had charged my account a $5 mail handling fee for my change of address. After doing some research, I discovered that this "mail handling fee" is the new name for what was once called a "returned mail fee." When I spoke to a service representative I was told that this fee was charged even though no mail was ever returned, simply because TCF had received notice from the postal service of my address change. So, my account which I never used and which only had $50 in it for the past 3 years is now costing me $40! I wish I had never opened the account.