the overdraft charges are based on manipulation of the date of the transaction. The account balance and transactions that I see online on a DAILY basis are discounted and based on the fraudulent balances and transactions on their side (which we never see). I received $175 in overdraft charges because THEY SAY my account was overdrawn $22!~!!!, which it wasn't based on the email account balances THEY SENT ME, plus my ONLINE account info! They MANIPULATE the dates and times of the transactions to the DAY BEFORE to assess o/d charges! They also charge on PENDING transactions, but if a DEPOSIT is in PENDING status, it is NOT considered until 2 days later and thus, they CAN CHARGE o/d charges.. Their practices hurt the poor and less fortunate and WE PAY FOR THEIR BILLION DOLLAR PROFITS... the wealthy and more fortunate ( the politicians who create the laws) do NOT suffer from the ILLEGAL, FRAUDULENT practices of this LOCAL MN bank!
Unfortunately, the MN elected politians will NOT do anything about their fraudulent activities and they will continue to PROFIT off of the less fortunate and PAY THE POLITIANS to ignore their unlawful practices.!!!

Beware of TCF Bank!!!
After paying settlement in class action lawsuit for overdraft swindles that bank is trying to get even in regular fraud. First, if you need to get mortgage or line of credit you will have to sign agreement that you will not take any legal action even in case of fraud that bank commits - while bank is dealing with federally funded programs from Federal Reserve Board. If you don't sign it, you don't qualify. If you sign, then bank can do whatever wants, and whatever even criminals are not allowed. If you think that FBI could protect you, you are wrong - they handle cases above $500, 000. Your state Attorney General will not handle it, because banks usually break federal, not state law. If you try to contact Federal Reserve Board, you waste your time - they will pass it to Comptroller of Currency which is very busy. And TCF Bank always will find explanation, e.g. submitting forged document with your signature which is transferred from another document, that you signed. Comptroller of Currency doesn't have such capabilities like law enforcement does. And circle is closed. And bank prospers quite well, each bank branch is managed by vicepresident, at each desk you can see manager or higher official. What you don't see there are customers despite that bank is offering $100 for any new account. The bank learned how to live without customers who only would write complaints, tfu. Hopefully all other banks will try the same, then nobody will care what banks are doing. Until then, don't try to sign any agreement with TCF Bank, unless you have a lot of money to waste.

On 2/28/11 my husband and I closed our business checking account due to the availability of deposits and excessive fees. After we notified the TCF employee that we were closing this account we have received over 800.00 in fees - the bank is still putting through transactions even though I have notified them to closed the account and cancel any and all auto withdrawls - they seem to do whatever it is they please. So tired of this bank - how can they get away with this?????

$54.95 has been taken from my account by TCF Bank. I've never had any business with TCF Bank and certainly didn't authorize this debit. I will be talking to my bank about this transaction.

I went to a red box last week and got my son CJ two movies he was sick that ended up costing me one hundred and ten dollars since I’m in school money is very tight I’m back in school cause my company closed and decided to only keep their only operation in china. Now my bank is gouging me with crazy fees???? who can you contact to change these fees’ No one TCF robbed me I’ve never felt so foolish as to be taken advantage of by the big Banks