Hmmm.....seems to me that the ones who are crying loudest here are the ones who can't balance a check book. I've been with TCF for 12 years and HAVE NEVER HAD A PROBLEM. Ever. I know the tellers at my local branch by name and they know me by name. Here's a clue for you all....don't write checks that you can't pay for. That's always helped me avoid any overdraft charges. Sheesh....