TCF National Bank Minnesota

Pros: convenience, open long hours, automated phone system
Cons: hefty overdraft fee

I was surprized when I went to write an opinion on this to find it rated highly only 33% of the time-- (this is the Minnesota TCF anyway). Why I ask. I have totally free checking here and a savings account. I've been banking here for at least 15 years...

Pros: Lots of locations and ATMS, free checking, online checking
Cons: Rude bank tellers, high overdraft fees

I have been a TCF member for about 4 or 5 years now. I started there because they had a branch down the street from my college and they had free checking. The checking has always been free and convenient for me. I like the number of locations they have...

Pros: Many branches, branches are in Cub Foodstores, weekend hours (including Sunday), friendly personnel
Cons: None, if you don't mind convenience and service

For the past four years, I have held several accounts at TCF Bank-Minnesota: two personal checking accounts, one small-business checking account and one savings account. I switched banks primarily because I was moving from an rural suburb of the Twin...

Pros: Hours, service, free checking. . .
Cons: Do not yet have online banking available

I have banked with TCF for the last 7 years (I believe), and I have been pretty satisfied with the experience. At this point, I just have a checking account. (I at one point had a savings account as well, but found once I entered college, I couldn't...

Pros: Free and easy
Cons: No interest; poor service

Everyone has different needs from a bank. For many, high interest rates on savings and checking accounts are important. Some consider professionalism to be the most important feature of a bank. Others like friendly staff who greet the customer with a...

Pros: Inexpensive. Good for only the very basics of checking.
Cons: Very poor/uninformed customer service. Worst online banking I have ever seen - bar none.

My wife has been a TCF customer for about 15 years, so when we moved to the twin cities 3 years ago, there was no decision who we would bank with, but now we are regretting the decision. The last month has seen error after error compounded upon by TCF ...

Pros: cheap. free coin counting
Cons: customer service, check printers are worthless

Spent 1 hour getting account set up for condominium association Checks came back with my DL number on them -- for a business account? Took checks in was told they would be expedited 4 days later still no response Went into the branch and was told ...

Pros: Very convienent, Open hours other banks are not
Cons: Not many Cash machines

I have been a customer of TCF for about 7 years now and overall I am pretty satisfied. They offer you free checking (of which you can gain interest on), CDs and other savings plans, and pretty much every thing you could ask for in a bank. In every TCF...

Pros: Good deposit rates, convenient.
Cons: Unacceptable customer service, questionable business practices and lack of identity controls.

TCF Bank simply is not a secure place to keep your money, Period. On countless visits I have walked up to a teller, presented a personal check and have walked away with cash without ever showing ID nor entering a PIN number. This is simply unacceptable. ...

Pros: online checking and statements, tcf visa bank card
Cons: fees, rude people, fees, oh, and did I mention fees?

I opened my first and only checking account at TCF in 1993. I still have my account. Here are some highlight of the 14 year experience so far: It was smooth sailing for a while. I never had a lot in the checking account, but always was very careful to ...

Pros: info by phone, banks in cub foods open longer hours, the visa cash card
Cons: express tellers are being removed from many locations, high overdraft fee

I have been banking with TCF for over 20 years. I have enjoyed:

My free checking account with no minimum balance requirement.

My savings account to which I can transfer funds to and from through the automated phone service.
...

Pros: hours
Cons: terrible customer service, fees

I have a checking account with TCF Bank. I was looking to have a local account that had little or no fees. It appeared that TCF Bank had what I was looking for. They do charge a fee to use online banking just to be able to access your account online....

Pros: No check writing fees
Cons: horrible employees

TCF was a reasonably priced bank with good hours near my home. Though not overly friendly, I got along ok with the management. Then my purse was stolen along with checkbooks from two separate banks. I was clueless on how to handle this. Apparently the...

Pros: free accounts
Cons: not trustworthy

I had worked for TCF Bank for a few years and earned my position upward within the bank to a Assistant Branch Manager. At which time they were heavy into sales of products. For the sales of these banking products they did reward each employee with all...

Pros: there's unfortunately enough branches to constitute proximity
Cons: nickel & dime you to death

Free checking my a**. The checking is free, but everything you need to use it costs you EXTRA. They ...

Pros: uhhhh.....none
Cons: They deceive you by not keeping your account status in real time

After banking with TCF (Colorado) and their "Totally Free" (crap checking) for over two years now, my husband and I are finding another financial institution at the end of the year. For three months in a row now, we have been hit with hundreds of dollars ...

Pros: Lots of locations and open 7 days a week.
Cons: RIDICULOUS funds availability policies.

The reason TCF has so many locations and is open all the time is because they want to grab your money and wait as long as possible to let go. Unless it's a direct deposit or cash you are depositing, good luck in getting your money anytime soon. I've ...

Pros: totally free checking, good hours in Jewel branch
Cons: incompitent at Oak Forest Branch, many errors made

I have had my TCF checking account now for 3 years and I have had nothing but problems. First, they made little mistakes and I had to fight to get them corrected. I have my account at the branch in Oak Forest, IL, and they are all incompitent there....

Pros: Handy.
Cons: Inconsistent.  Policy gaps regarding coin machines.  No recourse for unsuspecting customers--victims of TCF's coin scheme.

We have banked with TCF in MN for many years.  The other day my husband used the coin counting machine to count $250 worth of $1 coins.  The machine jammed in the middle of the counting and the teller couldn't get it fixed.  The teller and ...

Pros: banking hours
Cons: underhanded practices

Today I deposited half of my paycheck to my new TCF account of one month at 2:00pm. (Their signs say that deposits after 3 will be posted the next day.) I had the opportunity to cash the entire check but had no need to do so and wanted to build my new ...

Pros: ATM Locations
Cons: Fees, Poor Customer Service, Con-Artist like practices

TCF is one of the worst banks I have done business with. They clear large transactions immediately and keep small transactions pending for days sometimes as much as a week at a time. I spent lots of time both online and on the phone with TCF and the only conclusion I can come up with is they do this on purpose to charge fees. On one occasion an employee hung up on me when I asked to speak with a supervisor.
Customer service is awful in branches and on the phone. I absolutely dread having to go into one of their branches to interact with the employees.
Everyone I speak with regarding TCF has horror stories, I would imagine you will find out the same thing if you ask around. I have yet to meet someone that has something good to say.
I would recommend going elsewhere. There are so many good options for banking these days and TCF Bank is not one of them.

Pros: None
Cons: TCF makes mistakes with your account and leaves you to deal with the consequences.

I have a business and personal account. TCF printed my business account number onto my personal checks, (their mistake!)--thus we started bouncing checks on the business account. For months I have been receiving letters from businesses who tried to cash the checks initially and who are now trying to charge me service fees. TCF reversed the bank fees but for every letter I receive from a disgruntled business, I have to make a trip to my local bank to get them to write a letter asking that the fee be reversed. Also, several businesses used the automated withdrawl method and I started seeing $30 service charges on my account for these transactions. When I called TCF Bank's main number, they said the fees would be reversed. Two weeks went by with no reversed fees on my account. I called again. This time TCF said they wouldn't resolve the issue and said I would have to go to the local bank again. Yeah, I want to take another vacation day to sort this out again. Very poor customer service. This is one of many stories. I am switching banks ASAP and I suggest you all do the same.

Pros: Free checking, Lots of ATMs, Lots of Branches, Good hours
Cons: None that stand out

I've banked at TCF ever since I was a kid. I've never had any problems or concerns. I even bank all the way from Canada where I live now (I still need a USD checking account).

TCF is all about business. Don't expect them to fix any financial short-comings of your own. If you check bounces because of NSF then that is your fault. FYI, Their NSF overdraft fees are very low compared to banks in Canada (up to $75/check here). Also, Canada only has 7 major banks - so everyone in the states is lucky for all the choices.

I love the free checking at TCF. In Canada free anything at a bank is unheard of. All checking accounts up here have monthly fees from $9-$27 depending on the bank plus a per check clearing fee.

TCF is launched a new website which is a major improvement from the old one. Online banking is just fine as well.

Pros: Location
Cons: Terrible customer service, online banking limited, can only make deposits at branch bank

TCF Bank is not only the worst bank I've ever been around, it's own of the worst businesses period. My local bank branch is supposed to open at 7:00 AM, but about half the time at 7:30 AM there is no one there yet. If there is someone working, it regularly takes 10-15 minutes to complete a deposit in the drive through. Deposited checks always take a full five business days to post which is deceptive because it appears that you have money in your account, but if it hasn't been the five business days they will access you with an expensive overage charge. Online banking is limited and doesn't offer many of the features available at other banks. It's not worth an iPod, VCR or whatever their current promotion is to open an account with this bank.

Pros: Decent online banking (free with a minimum balance)
Cons: Incompetent, unhelpful, and rude service

I've had accounts with TCF since 1987. In the mid-nineties what had been a perfectly serviceable bank became absolutely terrible. The only reason I still bank with them is that it would require a lot of effort to change, and most other banks seem to generate the same kind of complaints.

My major issue with TCF is their abysmal customer service. They routinely screw up such simple things as ordering new checks, you can't get a straight answer out of anyone about what their policies are, they overcharge randomly, and are generally rude and unhelpful.

I am actively researching new banks now, having finally become completely fed up with TCF.

Pros: convenient locations
promo offer of free cash
Cons: unreasonable, uncommunicated funds availability for new customers
quick to charge fees and totally lacking resolution effort

In their promotional material, TCF says "Tell your friends about the confidence you have in us." So, I will.

On Sept. 28 I opened an account at the TCF branch in my local Jewel. I wanted a separate account for my business travel expenses and the location was convenient. Opened the account with a $1500 expense check I'd received from my local employer (drawn on a local bank). On October 7 (9 days after opening account: 7 business days) I do an electronic funds transfer for $1200to pay my Amex bill -- and TCF bounces it and charges me $35!

I got nothing but blank stares at my local branch and nobody had a reasonable explanation other than "sometimes it takes longer for new account deposits to clear". Well, that's not my opinion of how you treat a new customer -- and it's probably a preview of more surprises to come -- so I closed my account.

As they suggested, I will gladly "tell me friends" that they should never do business with TCF Bank!