This bank did this to me twice. Unauthorized eft withdrawals at least every month which result in a lot of nsf charges. End result is, TCF make you go through the work of providing the info of why and the result of their investigation is it is your fault this happen. I understand it was a joint account of my mother, but since I'm the co-holder, they come after you as well if their result is you shouldn't give your info out to pay bills. The funny thing is, TCF calls you and tell you they put a stop on your account because suspicious activity have incurred just to find out their investigation result this happen before and they get their nsf fees plus collection, lawyer, and court cost. This last fiasco cost me $640.00 and the first time cost $80.00. NEVER BANK WITH TCF.