I was approached by a TCF employee while shopping in a Jewel store about receiving a 50 dollar Jewel gift card for opening a FREE account. After meeting with the branch manager and this employee, the manager told me that I would have to give a minimum of 25 dollars to open the account and I'd have to purchase checks that would total around 17 dollars. So I said to him, "the value of the 50 dollars just went down to 33 dollars". But okay, during these hard times who couldn't use an extra 33 dollars in groceries. They told me that my account was totally free with no montly charges. That was a LIE. You don't get 50 dollars free and clear. That was a LIE. After getting home and really reading the information, I called the 1-800 number and spoke to a rude customer service rep. I asked her if I could close the account at no penalty to me, because I had already received the checks and assumed they took it out of my account. She said nastily, "you can close it anytime you like". "Is there anything else". I said "no" and hung up. I go to the branch to close the account and the same manager that opened the account told me I could not close it because the checks had not been paid for. I told him that I had the checks for a week and don't understand why they haven't taken the money yet. He played the nut role and pretended to change my account over the totally FREE checking account that should have been in place originally. I see now why they have you sign a waiver agreeing not to sue them, but to mediate to resolve the problem. Is any of this legal? I think all of our money is safer under the mattress. I can't believe that this bank thinks they can con, scam and rip people off with no penalty. Where's the Attorney General when you need them. This bank should fail and at no cost to taxpayers. If this is what they call getting ahead of the competition, they can forget it. With these antics, they'll be lucky to be able to afford a glass of water. I'm going to make an assumption here. The fifty dollar gift card must be less valuable than the 25 cash dollars they take when you open the account. By the way, this story gets better. I used one of their atm's to get the 25 dollars and paid a 2 dollar fee which they said they would reverse. Needless to say, that was a LIE. The bottom line is learn from those who have suffered needless aggravation and possibly a loss of funds. Don't do it. If you read this first and still decide to go, just remember that you read their script here first.

I was excited to hear about the free $50 from tcf bank when you open a free checking account. All over the website it states "$50 free, YES FREE!" so I though there would be no problems. Well, I opened the account online and the website said I would receice my $50 when my account was funded, so naturally I know it would take a few days for the money to go through from my debit card. So a few days after the funding took place I did not get my money so I decided to call the 1800 number. When I called I was told I need to go to a TCF branch to present proper verification (I.D., s.s. card, ect., ). I went to the branch (on a saturday) and showed them what they needed and the teller told me I would receive my $50 on Monday. When monday rolled around I did not get my money but decided to wait a few days. Also I received a box of checks that I was told were FREE, yet they proceeded to charge my account $18.50 AND did not put my $50 in the account. At this point I was very frustrated and decided to call the 1800 number again. When I called I talked to a man who was very rude and he told me there was nothing he could do for me. Then about 10 minutes later I called again and talked to a woman who was able to reverse the check printing fee and told me I would have to wait four weeks from the date I opened my account to receive the $50. A few days ago made FIVE weeks since the date I opened my account and I called so I called the 1800 number and asked why I did not have my money and a SUPERVISOR told me that I qualified for the $50 and she would file a credit to my account and the money would be in my account in 1-3 days...Well, today made six days so I called again and spoke to a rude woman who told me I do not qualify for the $50 because I did not purchse the checks that were sent to me (the fee was reversed). I ended up hanging up on her because she was being so rude to me. I am absolutely fed up with this bank and they have been giving me the run-around for over a month now. NEVER OPEN A TCF ACCOUNT!!!

TCF debit card policy is to pay all transactions regardless of existing customer balances. You must request and sign a special OP-OUT form for them not to do this. Secondly, they apply all of their debits and then credits each day - not as they occur. Therefore, if your account goes negitive during the application of debits - you are charged an overdraft fee.

these people really do need to be brought up on charges for this scam of robbing people of their money with overdraft fees and for taking your money to pay for other transactions. example I paid for an item on the 23 of sept. with my card $25 a $7 on the 24 and $13 on the 25 with a balance of $148 and each day I call to check my balance and on the 25 a $51 charge was made and my balance was $66 - that from 51 leave +$15 so I call sat 26 to hear my balance is -$31 what the fuck is this I call to have them to tell me that because of tha $51 I overdraft and because there was pending charges the $47 in card purchases which was tooking out already wasnt tooking out it was put to the side this bank no matter what they take the biggest charge and pay them first regardless if U paid for the item three dayz later that's why it takes three day because they sit back and wait on other charges to come through hoping it's bigger than the last item U paid for within the three day

Hello everyone I have problems with this bank too they lied to me I was only going to open a Checking Account and they lied to me to open up a savings so it would cover me with Insuficient funds they told me it would automaticly would tranfer my savings to checking to protect me from Overdraft. I had 43. 00 and I only use 5.05 and the 25.00 dollars I had in my Savings is still there with a 70.00 dollar Overdraft on my Checkins. If they wouldnt of lied to me to open up a savings and what it would help me with I would of just pulled money out of the bank in person I got gas across the street from tcf with my debit. this people suck. I reported it to th ATTORNEY GENERAL AND GAVE HER THIS LINK SO SHE CAN SEE. how many people are complaining about this bank


THEY CHARGE ME 35.00 DOLLARS 2 TIMES
TAKE YOUR MONEY OUT LET THEM GO BANKRUPT.