I've banked with TCF for 2 years now. I have had absolutely no issues with them. They have free coin counting, which i use quite a bit since the abyss of my purse collects 10 lbs of change in no time at all. they stay open 7 days a week, which i tend to only like to go to the bank on Sunday so this is awesome too. ABOVE ALL, TCF has the option when you sign up to opt in or out of overdrafts. Opting in, means they will pay merchant or check recipient for your overdrafts but charge you a fee, or Opting out meaning when you run out of money, your card stops working so you don't rack up 3 overdraft fees for your $6 Starbucks Lattes if you're anything like me. TCF has truly been a godsend. I will never bank with anyone else!