MN, MINNESOTA -- I switched to TCF about 7 months ago due to seeing how nice their online banking was for running my expense account for work. Which it is! But as for the bank and helping me out with my account when our neighbor came over with one of her friends that we didn't know. Well when she went to the bathroom she went into our room and took pic of all my cards in my wallet and really screwed up my accounts and wound up getting 4500 roughly before we were able to stop it! Well let's just say this wasn't her first time doing this and she knew exactly how to get as much as she could as fast as she could.
It really sucked because I didn't use my cards or do any banking for 3 days so I had no idea until AMEX called me when she had maxed out my card and used my checking account to make a payment over the phone so she could free up more on my credit card, yes this wasn't her first rodeo! So I ended up with 310 dollars in overdrafts from TCF and they did not help me with a single one because when I opened the account I didn't sign up for overdraft protection when I was traveling and something came through and I was charged with a 37 NSF fee that they waived for me because I didn't know I didn't sign up for that. So since they gave me a break already they wouldn't do anything for those 310 roughly worth of fees.
They said AMEX should pay for it. Well AMEX waived all the fees for running the 3 payment that I didn't make 3 times which charged me 37.00 each time so 9 times. Then they charged me for a return check another 37 dollars 3 times when there wasn't even a check! Long story a lot more stuff happened but the gist of everything is TCF is as crooked as they come and the unfortunate thing is they use to be awesome when I had my first checking account with them Twin Cities Federal my home state bank that made it big time and now they nitpick everyone for everything.
My second favorite is once a month whenever they want they charge you 4 dollars for every ATM withdrawal that you do not on their ATM so out of the blue you will get a charge for 32 bucks or 40 just depends how many times during that period you use a non TCF atm. I Strictly was using this account for my expense account so I would keep a couple dollar balance sometimes until I got my expense check, so when they decided to charge me 24 dollars for atm fees I didn't have but 10 dollars in there so they nabbed me for a 37 dollars NSF charge that they wouldn't take off. Remember this was the first month when I didn't know about the fee they charged or a bounce protection.
This is another great thing. Bounce protection doesn't mean they won't let a payment go through and charge you cause they do it means that they may pay it but they're still going to charge you a 37 dollar fee. It is just to help you I case your check where to get sent back. Well who the ** pays with checks anymore. It's such a joke. They are so crooked! Bounce protection is as good as using the pull and pray as your birth control method!!! I hope that made sense. If it didn't DON'T EVER USE TCF AS YOUR BANK! Hopefully that made sense!
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.
TCF Bank is the worst bank I have ever dealt with, EVER. Customer service is a joke. None of the departments talk to each other. I can't even close my line of credit at a branch in person, I have to fax a note saying to close it down. Does that make any sense. When I questioned that the lady I was speaking with informed me that she had 7 minutes before she left and other people to help. Very very poor policies and if she is indicative of the level of professionalism the employees demonstrate I can't believe they are even in business.
PARKER, COLORADO -- My IRS refund was direct deposited into my account on Feb 16, 2012. Still not posted into my savings account by February 22, 2012. TCF says they can take seven days to post. An IRS direct deposit tax refund takes seven day to post? Why would anyone do direct deposit only to have them hold for a week. It's TCF's way of screwing their customers so they can accumulate interest on your money. Closing my account as soon as money post. Taking my money somewhere else.
WAYZATA, MINNESOTA -- Well TCF, a new class action lawsuit I am sure will be coming your way. Thanks to your new daily overdraft fees of $28 a day!! I have been a customer for over 15 yrs and I will be closing my account and going with my local credit union. Enjoy the money you have stole from me and you can keep the .02 cents of interest I'm getting on my crappy savings account! When is someone going to bail out the hard working citizens of America instead of these greedy, self-serving BANKS!!!
I deposited a check for $5600 on 10/02. I was told that there was a 2 business day wait for the funds to be available. On 10/05 I returned to the bank to withdraw the money and was told that I would have to wait 5-7 MORE days and that all I could have was $1500. The Supervisor ** was rude. I asked why only $1500 and he just said, "it's not available." He was resting on his elbow and holding a personal conversation at the same time.
As I became angry, he tried to give more information. I asked to talk to the Manager and he said they were all on vacation and he was the supervisor. I asked to speak with another teller and he refused. Long story short the service at this bank has been horrible for years and I am finally at a point where I don't want to take it anymore. I want my money and the account closed but they refused!
I opened this account in Illinois in 2001. All was well while we lived in Illinois but things started to go downhill when we moved to a state without a brick & mortar presence. And then things completely fell apart in 2009-2010. Every time I had a question or concern and contacted a telephone Customer Service rep, I would get three different responses to the same question depending on who I spoke with on the phone. And in this age of internet banking, they were completely incapable of handling my banking needs unless I could get to a branch.
Finally I had to call & close the account. I called all auto debits and had those cancelled too. But one still went through and the bank hit me with overdraft fees & reported the account to collection with no notification.
I have had a TCF bank acct. for the past ten years. They were never nothing special but the acct. was free and had many locations. Today I see a fee on my bill for $9.95 for monthly maintenance. I contacted customer support and they said, "we no longer have free checking." They said that you must meet the crazy requirements; otherwise, you pay the fee. I had told them I was never notified and they basically said who cares. I'm closing my acct. today and going to Chase. They can keep their fee because they lost my business for life. Don't setup a TCF bank account.
ELK GROVE VILLAGE, ILLINOIS -- This is not about an overdraft fee, which they hit me within the past. This is about them closing my banking account and taking all the money without telling me. I have been a customer for over six years and have two accounts with them. One I didn't use and the other I used. After three months of not using one account (which had money in it) they closed it without any word. I went to talk to them and there is nothing they could do. I am student teaching, I have no income, and these people take my money!? Forget them.