TCF Bank NSF Funds Poor Customer Service Deceptive Minneapolis, Nationwide

I just received a NSF notice from TCF today showing that I am 250- in the hole. This is the most recent one, so I am assuming all their systems were updated before they sent me this notice. If that is true, then why did they take my entire check of 436.00? I have seen several different amounts regarding this overdraft. I am no math genuis, but even I know that if I owe this much, the 436.00 should have put me back in a positive balance. I think there is a whole lot of deception going on. I have never seen the same overdrawn amount twice. They stole my money, plain and simple.

This is YOUR account, right?  Any of the money in the account is all yours, right?  Do you think you should know how much you have in the account without you needing to call them?  You have $110 in overdraft fees, correct?  At the time the item hit the bank what was the balance?  What's that???  You don't know???  Why not???  Why?  Because YOU don't keep a check register.  YOU don't keep a running balance, do you?  Right this very second you can't tell me what the balance is because you haven't the foggiest of clues!  So go ahead and quit this bank, then go to another and keep using the card WITHOUT keeping a running balance, run up overdraft charges at the new bank, then come back here and complain about them too.  Then you can whine about how the big bad banks are out to get the "little" people.  Here's how you never become one of the "little people".  You keep a written record of every use of the card, every use of a check and you subtract the amount every time from the existing balance and keep a RUNNING BALANCE.  Then the next time, if you want to spend $75 on groceries and you see your RUNNING BALANCE is only $45, you buy only $40 of groceries and avoid the overdraft fee.  Bottom line is there's no tricky accounting here.  There's no fraud or conspiracy here either.  ANY and ALL of these cases of people wailing about overdraft fees are caused by ONE and ONLY ONE reason--THEY FAIL TO KEEP A CHECK REGISTER AND RUNNING BALANCE!  Instead, because they are so-o-o-o lazy, they just check the "balance" on line or by phone WHICH IS NOT ACCURATE.  The bank even tells you that!  And no, I don't work for them.