Avoid unnecessary fees. The bureau also said the bank offered bonuses to employees who got high numbers of opt-in overdraft service fees attached to new accounts. Both accounts require at least $25 to open an account. And somehow, itâs impossible to tell how much any single card swipe costs - and the fees you pay are somehow higher than the fees they quoted you. The student bank account is for college students aged 18 to 24 years old. Customer service. Heart and Home is a closing cost assistance program that offers up to $3,000 to help cover fees related to your loan like appraisals, title insurance, deed reporting and running your credit report. TCF Bank Review: Low Fees and Flexible Banking Options . Bottom line Among its various products, TCF offers checking accounts and charges about $35 every time a consumer overdrafts by spending or withdrawing more money than is available. ComplaintsBoard.com is not affiliated, associated, authorized, endorsed by, or in any way officially connected with TCF Bank Customer Service. You can also connect with Twitter @TCFCares or Facebook @TCFbank. Ensure that there are adequate funds in your bank account when making payments to avoid stiff late fees and bounced-payment penalties. TCF Bank offers a wide range of banking products with low account minimums. The overdraft fee can be reduced if you use another account for overdraft protection, and withdrawals from ATMs in the domestic TCF Bank network are free of charge. Find a SunTrust Bank; TCF Bank. TCF Bank is the wholly owned banking subsidiary of TCF Financial Corporation, a bank holding company headquartered in Detroit. The TCF Bank overdraft policy states that the interest rate is 18% on the balance and a $10 fee applied each day they advance funds. TCF says it will defend itself against the charges. It primarily caters to customers in the Midwest, with hundreds of branches in its service area as well as online and mobile banking options. By Thomas (TJ) Porter Updated: Jan 13, 2021 By Jamie Johnson. Learn about the interest rates and fees of the TCF National Bank Free Savings Account -- a viable option to consider from a local bank. If you donât choose any of those options for paying overdrafts, you also have the option to either opt in or opt out of TCF overdraft protection all together. These fees may be in the form of flat fees, recurring fees, interest, or other form. With your TCF Bank account, Autobooks is $9.99 per month with the first 90 days free, and you pay 2.49% on every transaction, every time, every card, no matter what - even AMEX. However, any interest we charge will not exceed the highest rate the law allows. TCF Bankâs Heart and Home program. TCF may deduct any fees ⦠Online help is available on the TCF banking platform, or call 800-823-2265 for support. In 2010, TCF Bank was sued regarding overdraft charges. The teen account is targeted towards 14 - 17-year-olds. Initial TCF Bank complaints should be directed to their team directly. It's meant to help teens start to understand how to handle money. Notary fee: Free for customers, $1 for non-customers ($0.50 in Wisconsin) Typical hours: Monday through Friday 9 a.m. to 6 p.m., Saturday 9 a.m. to 2 p.m., closed Sunday; Other information: You may need an appointment; check with your local branch. You can find contact details for TCF Bank above.. ComplaintsBoard.com is an independent complaint resolution platform that has been successfully voicing consumer concerns ⦠Find a TCF Bank; U.S. Bank TCF Bank assesses a $15 for every withdrawal you make above this six-per-month limit. TCF offers teen and student bank accounts with no monthly maintenance fee. Overdrafts and ATM withdrawals carry the same fee structure as most of TCF Bankâs other accounts. TCF National Bank, headquartered in Wayzata, Minn., operates approximately 360 retail branches across Minnesota, Wisconsin, Illinois, Michigan, Colorado, Arizona, and South Dakota. Overdraft fees. Schedule of Fees at tcfbank.com, any TCF banking center, or by calling us or writing us for a copy.