I have been a teller for 4 years (NOT at TCF Bank!) I know bank policy and TCF does NOT follow it. Banks are supposed to protect their CUSTOMERS, not be deceptive, lie and cheat them. They give out your balance to anyone, the have no one working there who is over 25 (always teenagers), they do not dispute THEIR mistakes and if you are lucky enough to get them to they never follow through.
They put holds on items and do not notify you until days after. Most holds are done in the processing dept. And they generate the notices. I have had them stamp "Account Closed" on one of my checks before to a lawyer and I had to Western Union the money... They said "We're Sorry" and did not refund my WU fees for THEIR mistake. I was told "your acct. Is not closed.." well, DUH! Your mistake caused me to spend $12.50 and you just say SORRY??! In banking the deposits are supposed to be put through THEN do the debits.
I do not believe this to be true of TCF. They do take out all ATM fees at once and it ususally is more than expected and draws your acct.into the negative and is usually done when you just happen to have not enough in the acct! (anyone notice that?) You could have $5 in your acct and the fees of $7 will come out... There's another $32 in charges! They are so sneaky... They do things to get the NSF charges.
They must have the most money in fees from any bank in the entire world. Everyone there has a different answer, no one knows policies and they sure are not out to protect "The Customer." They NEED the customer to get their Fees! Not earn us interest and help us. Also, their online is a JOKE! Never up to date and it will NOT tell you if an item is held so don't go by it or the automated line... You need to talk to a person. TCF is the epitome of the worst bank.
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