I was just charged $140 for insufficient funds in the bank. TCF bank sucks the money from your account. Be careful. Before I made any purchases, I made sure that I had enough money in the bank. They even agreed with me on that. TCF will keep a transaction pending for the longest, even though the funds are available. They sieze the right moment to get you with all of these fees by posting various transactions days later. Don't even think about depositing cash, if its not before the extremely early cutoff, forget about using your own money anytime soon. I'm going somewhere else for my banking needs. read full review »