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TCF National Bank

Popular Accounts at this Bank

0.50%1-year CD14 Month CD - New Money
0.01%SavingsTCF Growth Savings - Opened Online
0.01%CheckingTCF Premier Checking - Opened Online

They're even open on Sundays!

I joined TCF Bank when I moved back to southeast Michigan, as my previous bank in New York did not offer locations in my area. I signed up for a checking account from TCF, which included free use of a VISA debit card and no maintenance fees. I now use my card as my primary source of payment for everyday use; I do not carry cash. The web banking site is very user-friendly and secure, which is a huge plus. Another perk of TCF is that most every location is open on Sundays -which is very uncommon! While I typically execute transactions through the ATM or electronically, the staff has also been friendly when I have stopped inside. One thing I do not like is that cash deposited through ATMs after 3 p.m. is not available until the next business day and checks deposited the same way are subject to a two-day hold. Other than that, I am a happy TCF customer!

Watch out for hidden fees.

Posted by: David2014 | Jul 18, 2014

I am a long term customer of TCF bank. For the most part, its pretty reasonable. Its easy to get in and out, the customer service works well, and the online section appears to work fine. There's not much you expect in those areas just walking in, but it certainly meets expectations.

There's a few problems however. For starters, they openly try to scam you with fees, hoping that you won't come in to complain. If you overdraw, they charge $25 to $35 each time even if it is only by a few cents. Meaning that if you make a lot of small purchases in one day, and go slightly over, even if its by five dollars, this can amount to a $100 fee. Definitely a bad choice for college students who might be making a lot of $1 purchases. You have to deliberately ask them to stop allowing you this flat convenience fee.

Likewise, there's some problems with their online banking. If you lose your password it is hard to reset it. The instructions are rather vague, and if you don't understand them then even calling in will lead over confusion on what you need to do. It took me awhile to get that sorted out, when resetting my password.

Aside from that, its more or less a fairly reasonable bank, however.

TCF Policies - Customer Convenience Is Not A Priority

My local TCF Branch is excellent, knowledgeable, and pleasant to deal with.  Recently, I've had two issues where I've needed to contact them, and found that the local phone number was disconnected and replaced with the corporate 800 number, so you can no longer contact your branch directly.  I received incorrect information about IRA's and one of my accounts from the 800 number, and had to drive to the branch to get it straightened out!  Obviously, customer convenience is not a top priority!  Two other banks that I deal with both have their branches accessible by phone, so why would TCF decide to restrict customer access to their branches?

TCF's fees are getting higher and TCF seems anxious to impose them.  I just had an overdraft fee due to a timing issue where funds left my account quickly but took a day to replenish.  I was hit with a $37.00 overdraft fee!  Luckily I had TCF's recommended overdraft protection, but when I called them they said that the protection didn't apply, hence the charge!  Perhaps I'm too simplistic, but I have difficulty understanding overdraft protection that doesn't protect when you have an overdraft!  So, I called back to check and was told that there was no overdraft protection on my account!  It appears that someone else is as confused as I am!

I'm going to check my other banks and the credit union in the area to see which of them offers more of what I'm looking for, like ease of access and sensible customer service, and will likely transfer all of my accounts to another financial institution.

Trying To Find The Silver Lining

This bank let me open a account online. I was notified about the check order. Was also given the option to select none. My confusion starts here. On 12/17/2015 I called in and asked when I should expect my new debit card to arrive as I had got a email about the checks being mailed but not the debit card. I was told by a very rude representative at 1800-tcf-bank that my checks were mailed then with the rude tone of God told me the debit card was declined and I had to call DrumRoll ""888-823-2802"" well awesome I've been calling since 12/18/15 and it just drops the call and never rings. So after looking up this number I see a modification log for the bank adding new addresses and employee phone numbers and ect to the directory. That number was deleted from TCF National Banks public directory and it's no longer a valid number. So I can't do anything about it. I have 6 accounts at First Merit bank of Akron OH and I like that bank. I opened this one to utilize wire transfers to send money on a recurring basis to save money in a account I have checks and a debit card for instead of a regular savings that only had a ATM card. I already have 3 of those and 3 checkings. If I wanted that I would have opened that kind of account. People don't open checking accounts anymore for just checks. It's 2015 people use debit cards not ATM card. The fact they won't tell me what department I need or why it was declined confuses me to no end and I would really just like a answer people thank you but no thanks. Guess I'm driving80miles to close this account in person as y'all advised I have to do. Joys of country living.



Health Grade Components

FDIC Certificate #28330
Year Established1923
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD8.94%
Annual Interest Income$235.7MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$21.33B$20.00B
LoansQ1 2016vs Q1 2015$17.90B$17.12B
DepositsQ1 2016vs Q1 2015$17.46B$16.13B
Equity CapitalQ1 2016vs Q1 2015$2.26B$2.08B
Loan Loss AllowanceQ1 2016vs Q1 2015$160.1MM$163.8MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$200.6MM$221.9MM
Real Estate OwnedQ1 2016vs Q1 2015$42.4MM$62.4MM
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TCF National Bank Savings Account Rates

0.01%$2,500-TCF Premier Savings
0.01%--TCF Power Savings
0.01%--TCF Power Savings - Opened Online
0.01%$2,500-TCF Premier Savings - Opened Online
0.01%$2,500-TCF Growth Savings - Opened Online

TCF National Bank Money Market Rates

0.35%*$25k*$100mTCF Business Premier Money Market - New Money
OTHER TIERS: 0.02% $10k - $25k
0.01%--TCF Small Business Money Market
0.01%--TCF Power Money Market
0.01%--TCF Power Money Market - Opened Online
0.01%$1k-TCF Growth Money Market - Opened Online

TCF National Bank Checking Account Rates

0.01%$2,500-TCF Premier Checking
0.01%$2,500-TCF Premier 50+ Checking
0.01%--TCF Premier 62+ Checking
0.01%$2,500-TCF Premier 50+ Checking - Opened Online
0.01%--TCF Premier 62+ Checking - Opened Online
0.01%$2,500-TCF Premier Checking - Opened Online

TCF National Bank CD Rates

0.70%$500-20 Month CD - New Money
0.50%$500-14 Month CD - New Money

TCF National Bank has 346 locations. Click to view all TCF National Bank locations.