They charge NSF fees on transactions that haven't even posted to your account since pending transactions take away from your available balance. This is unfair simply because many merchants use credit card numbers such as car rental places for reservations before the card is charge. However, in order for the merchant to make sure your card is valid, they have to run it. This in turn ties up usually $1.00 of your money but drops off when the authorization runs out. Therefore, how can TCF charge 35.00 NSF fees on pending transactions that... read full review »