The so-called free checking at TCF is not free. After 6 months they slap on a 9.95 monthly fee and when I call their reps are rude. They even wanted me to deposit more money and refused to close the account. Now they are threatening to send the collections for their monthly service fee for an account I do not want.
TCF makes money by ripping off customers.

close your TCF accounts quickly, before you get ripped off.