I USE to have a TCF acct, I have since this problem closed the acct, but I had a TCF acct for probably a little over 2 years and not once did I ever go into the negative or have any problems at all. I then opened another bank acct with another bank because it was closed to where my home and work.
I would still keep like 50 or 100 dollars in my TCF acct just in case I was somewhere where my bank wasn't and hopefully there would be a Jewel near by. Anyway, my mom owed me some money and she lived right down the street from TCF so she said she would just deposit it there in my acct, so she deposited the 600.00 she owed me, and then I went online to a billpay service I have and started to transfer the money out, I had to do it in 50.00 transactions though.
I planned on leaving 50.00 in the acct, but what happened is one of the transactions took place twice, and I was not aware of that happening, I then went and used my checkcard for a transaction for like 5 bucks, and then again for about 15.00, the next day I then realized what happened, I went to TCF right away and made another deposit in cash to cover that money along with the NSF fee that was charged, then the next day the other transaction came through and they posted the transaction before they posted my deposit.
Then the next day I had more NSF fees. I told them I would pay what I charged and I paid one of the NSF fees, and they wouldn't waive any of the fees, so I just left the acct negative and I'm now trying to clear things up because the only reason the acct is negative is because of the NSF fees, I paid what I owed and then some. I explained to them what had happen with the transfer posting twice, I must have click the submit button twice or somehow refresh the page to make the transaction go through twice.
They didn't care they just stood there and looked at me like ahhhh what should I do, and everytime I go in the bank branch all the tellers are like 16 years old, one time the teller supervisor was 17 years old! They had no idea what to do with my problem! So here I am been a perfect customer for 2+ years and can't even get a problem resolved, this is why I will never bank with TCF ever again and will make sure anyone that I know never banks with them either, THEY SUCK!!