TCF Bank

Previously was a customer at this bank and it is terrible in every single aspect.
Deposit Accounts — The fee (s) to maintain an account at this bank is outrageous, monthly fees, ATM fees that are higher than Wells Fargo, never overdrawn my account but if I did those charges were through the roof. Guess they have to charge that much just to pay for their name on a stadium.
Loans — The lending protocol associated with applying for a loan is complicated and the approval time is lengthier than other financial institutions. Finally their rates are non-​competitive.
Service — Fairly good but it should be when one thinks of all the fees they are paying.
Summation. My review is consistent with the other reviews and I guess TCF stands for «Totally Charging Fees» and if you are crazy enough to be associated with a bank, go to Wells Fargo or US Bank instead. However, if you are smart, go to a credit union.

I went to the TCF Bank at the address below today to cash a $ 25.00 personal check that was written to me on a TCF account. They wanted to EXTORT a $ 7.00 fee to cash the $ 25.00 check. I want point out that before I got the check I thought TCF had gone out of business years ago. I guess after this little rip off attempt I will consider them in bankers heaven (rolling around in their customers dough no doubt)
16 450 County Rd 30
Maple Grove, MN 55 311

DO NOT GET A MORTGAGE LOAN WITH THESE PEOPLE!!! Consider this your warning. This is the worst bank on the planet. I got a mortgage with this bank and have had nothing but problems. They do not have online bill pay. Instead you have to mail in a payment each month. When you do mail in your payment, they don’t credit it right away. Instead they hold it so you get a late fee. I sent my payment in over a week before it was due and they claim they got it late. LIES LIES LIES!!! And don’t even try to call in-​the wait times are 15minutes or more. Getting a mortgage with this bank was the worst mistake ever.

I’ve banked with TCF for about 2 years and I can basically back up all that’s been said thus far.
Now, the tellers at this branch are pretty nice, but there isn’t much of a rush on anything.
Calling in to get help on any issue with this bank is absolutely horrible. The wait is horrendous, customer service is bad. I seem to always have a customer service rep who is critical of me and my question as if I’m to blame for what I’m trying to figure out.
But, the thing that has really gotten under my skin is my most recent attempt to order new checks. I first went in to order checks several months ago. When several weeks passed by I checked in and after many phone calls and digging around by tellers and customer service reps, it was discovered that they had not updated my address after I moved. I did update my address appropriately when I moved so I’m not sure how it didn’t go through on their end.
I had to go through several more weeks of waiting for my checks to arrive. I ended up making at least THREE attempts to change my address over the phone and I even went IN PERSON to the branch to change my address. Somehow none of these actions made any difference. I eventually forgot about my checks until I realized that I was absolutely empty a few weeks back.
I forgave them the first debacle and tried ordering checks again. After the expected amount of time passed, I called to check in again on my checks and their status. I was told they were in Minneapolis, which is where I live. Customer service told me it could take a week for them to get from Minneapolis to my address… in Minneapolis… After trying to figure out why, customer service quickly jumped into an argument with me about how the Postal Service works.
More time passes, more phone calls to check in on my checks. Now, here is where the irony becomes too much, to get an actual person to speak to on the phone YOU HAVE TO ENTER YOUR ADDRESS INTO THE PHONE PROMPT. So, TCF knows my address for the umpteenth time now, yet when I speak to a customer service rep about where my checks are, I find out that they still, after literal months, and after literally trying to update my address a half dozen times, THEY STILL HAVE THE WRONG ADDRESS FOR ME.
I try to let things slide but there comes a point where you can’t.
I would not recommend TCF to anybody.

Also going through the 10 day period of investigation for a fraudulent charge on my account. I’m in Minnesota and someone from another state made an online purchase for over 700 dollars which brought my account negative. In the meantime I have a family to take care of and bills to pay. The TCF agent that I spoke with on the phone laughed at this and told me they couldn’t do anything about it. And the Agents supervisor also laughed with a fake «sorry» when I shared this with him. I called
myself the next day after confirming the fraudulent charge with visa fraud dept. who made me aware of this from the start.
told me details that TCF should of used right away to confirm the fraud. They gave me the city where the online purchase was made and delivered to. Informing Tcf this, they said they couldn’t do anything with that information with this time because they need to wait the 10 days. in the meantime, whoever purchased and had the stolen items/​item delivered to them are enjoying it, selling it, and probably long gone. Slow to act, TCF lets thieves get away with ripping off your money. and I sit here with my Money in limbo while I play heartless TCF’s waiting game. I will be sure to let averyone know to not trust your money with TCF. I suspect this to me an inside job by someone at TCF. How else would the allow this to go on and laugh about it. TCF should be forced to shut DOWN!

I absolutely hate this branch. Unfortunately for me, it is the only one within walking distance of my apartment.
I always approach the door of this branch with trepidation… how long will I be stuck here? Will this, once again, prove to be a black hole into which I will inexplicably disappear for an hour when making a simple deposit? Answer: YES. Every single time, YES.
I kid you not, fellow Unilocalers, I have not once, NOT ONE SINGLE TIME, been able to go in and out of this branch quickly and efficiently. Inevitably there is a line of customers that stretches for miles and one lone teller, while 5 – 9 other TCF workers are milling about aimlessly, occasionally glancing at the growing line with disinterest.
Don’t get me wrong, the tellers are generally very nice and friendly, but I must always wait in line for a minimum of 15 minutes before I get any face-​time with one of them. By that time I am struggling to veil my impatience and frustration and making a poor attempt at that.
Seriously — worst branch ever.

i have been a customer for a long time and i hate having to call into the call center for assistance. the waits are long and the reps are unprofessional, ill trained and rude at times BUT today I called in to question a new service charge that 2012 rang in… and I actually had a pleasant rep. Rave reviews for Natalia in the call center. she was knowledgeable and helpful. there’s a first for everything!

Got the free 50 dollars, then got a notice in the mail saying they were going to charge me $ 9.95 a month for the totaly free checking.
ACCOUNT NOW CLOSED.

I truly do not normally have a problem with this bank at all, but there is a woman who works at this branch that makes me so scared that I sometimes drive out to the southdale location just to avoid her. She is supposedly a manager, but her attitude says something completely unprofessional. I have been there on at least three occasions in which she has yelled at customers.
First was me. I did not hear her saying, «next» and due to my mistake, I was screamed at «Next!!!» So when I got up to the counter and handed her my money to deposit, she accused me of throwing my money at her. I do not believe I did this because she already scared me by yelling at me, so why would I test her patience more. She was so awful to me that my boyfriend came over to make sure that I was ok.
Next time I was in, she verbally assaulted a man, who inadvertantly cut in line in front of me. (to be honest, I was glad he did because then I did not have to go to her) But I got to go to her, as the other man looked wounded and got back in line. She was trying to gossip with me about how horrible of a person he was for cutting in line. I just nodded my head and waited for her to finish.
The last time I was in there, she was not mean to anyone, but she was definitely too busy to help anyone. There was a huge line and I understand that maybe she wasn’t supposed to help anyone due to another duty she was doing, but maybe she shouldn’t have been going up to the tellers and distracting them with her lame jokes and comments.
If someone told me she did not work there anymore I would truly be excited because everyone else that works there is really nice and efficient. Plus they give you complimentary free parking (for 15 minutes) in their back lot… Don’t count on making the time if you get stuck with this lady…