Tcf Bank just pulled a pretty awful maneuver on me. They took all the money out of my checking account ($187) to cover a business account of my father which was overdrawn and apparently has my name on it (even though I never signed anything or knew about it) and then charged me $105 dollars worth of fees to cover about $25 dollars in purchases that I made while I still thought I had money in my account and transferred in $150 to replace the money they had taken away.
I called customer service and spoke to two different people, where it was explained that even thought i still had money in my account their new policy after april 1st. was to withhold money for charges that had not gone through yet as though the funds were not available. They then offered to take half the amount off the fees.
So they took money from my account without notifying me, then charged me $105 for $25 dollars in NSF charges even though there was about $40 in my account. They then reduce the charges by half to $50 and act as though they're doing me a favor?
I am tired of all the hassle that has come with my TCF bank account. I always feel like money is being extorted from me when they charge $35 so that I could have the luxury of over drafting my account for a cup of coffee. They have swept to a new low by swiping all the money from my account for "Loss prevention" and then charging me for not having money in my account, even though the debit charges were made prior to them taking the money and my account still had money in it.
I am going to close my account this weekend, and i advise you never to open one. Get a respectable small bank, and save yourself some grief. Tcf bank is like a friend who is crashing on your couch, eating all your food, and still acts like they're doing you a favor by giving you a few bucks from time to time. They, like the friend in the above example, will continue to profit off of your time and energy until you finally give them the boot!