I wouldn't even give them 0 star, more like -100 stars, because this bank is the WORST bank ever. It is not about balancing your books, overdraft fees, but how bad their customer service is. From their headquarter to their tellers all of them are exceptionally rude, and unprofessional. My husband received some money transfer from HSBC bank, and they froze the account, then they closed the account and filed fraud, even though it was his money. We filed law suit against them, and its still hanging in the court. Today I got some Western Union transfer from my dad as a gift for my daughter's birthday. Since the closest Western Union turned out to be inside Jewel operated by TCF Bank, I cringed but went there anyway. It was only 1 block from my home. I give them filled out sheet which had in big bold letters "To Receive Money", and the teller in the front opens back door to consult with someone in the back. 4 people standing there giving me most unwelcoming glance, one of the managers named TJ asks me if it is to send or receive money? I asked him to repeat he repeats the question. I reply to him, you have eyes read what it says there. He hands me back the sheet and tells me to go somewhere else because I am being "smart ass " with him. Do you think anyone in the retail banking would treat customer like that? Only at TCF they do. I showed him the paper where in big bold letters it said "To Receive Money", he just replies "yeah, exactly, now go somewhere else". Never in my life I have been mistreated in such way. NEVER! I am a business owner where I know how important customer service is, from employees to management, but TCF clearly doesn't care. If anyone else will join me, we should publicize their poor customer service through media.