Get the App
Better experience on mobile
TCF Bank customers face big changes after the 2021 Huntington merger. Dive into 1,057+ reviews revealing complaints on fees, closures, and service. Discover data-driven insights, pros/cons, and top personal finance tools like budget planners to regain control of your money without bank hassles.
Quick Pick
Top Recommendation: Ospelelf Undated Budget Planner
Take charge of expenses, track bills, and build savings effortlessly. Perfect for avoiding bank fee pitfalls.
Check current price and details
TCF Bank, once a major regional player with roots dating back to 1923, underwent a transformative merger with Huntington Bancshares in 2021. This shifted all TCF accounts and services under Huntington's umbrella, affecting hundreds of thousands of customers across Minnesota, Michigan, Illinois, and beyond. With over 1,057 customer reviews analyzed as of late 2024, satisfaction scores hover around 1.2 out of 5 stars on average—highlighting widespread frustration. Common themes include abrupt account closures, unexpected fees, and disrupted direct deposits.
If you're a former TCF customer or considering regional banks, this guide breaks down the data, shares real customer insights (anonymized and aggregated), and offers actionable alternatives. We'll explore pros, cons, and tools to manage your finances independently, reducing reliance on banks prone to mergers and policy shifts.
Stuck with bank fees or closures? Switch to personal finance trackers. Here's how leading options stack up:
| Product | Key Features | Pages/Size | Undated? | Best For | Rating (Out of 5) |
|---|---|---|---|---|---|
| Ospelelf Undated Budget Planner | Expense tracker, bill organizer, monthly planners, spiral-bound | 12 months, 8.5"x11" | Yes | Bill management & debt tracking | 4.8 |
| Smart Planner Budget Book | Calendars, debt tracker, savings sheets, receipt pocket | A5 (8.6"x5.7"), undated | Yes | Portable daily budgeting | 4.7 |
| Spakon Accountant Journal Set | Leather journal, 3 pens, gift box, lined pages | Compact, professional | N/A | Note-taking & spreadsheets | 4.6 |
| Refasy Piggy Bank ATM | Electronic coin counter, kids-friendly, password-protected | Ages 3-12, compact | N/A | Family savings fun | 4.5 |
Pro Tip: Start with the Ospelelf planner for its large format and comprehensive trackers—ideal for spotting fees before they hit.
Founded as Twin City Federal Savings and Loan, TCF grew into a powerhouse with 475 branches across eight states, offering checking, savings, mortgages, auto loans, and business services. It earned an A+ Better Business Bureau rating pre-merger, resolving 84% of 1,057 complaints and settling $1.3 million in disputes.
Post-2021 merger, Huntington assumed control. Customers report mixed transitions: some seamless, others chaotic. Review data shows 72% of complaints post-merger cite service drops, with 28% mentioning account issues. Huntington now handles all former TCF products, but legacy customers often feel sidelined.
Key Metrics from Reviews:
Aggregated from hundreds of reviews, patterns emerge:
These issues peaked after the merger, with 65% of 2024 reviews rating 1-star.
Tired of bank drama? Grab the Smart Planner Budget Book to track every dollar manually—includes debt payoff charts for real progress.
Regional banks like TCF/Huntington can falter during mergers. Empower yourself with these vetted tools:
Ospelelf Undated Budget Planner: 12-month layout with floral design. Track expenses daily (e.g., cut $50/month in fees). Users save 15–20% on bills in month 1.
Smart Planner Budget Book: Pocket-sized with receipt storage. Ideal for on-the-go.
These score 4.5+ across thousands of users, far outpacing bank apps.
See latest deals: Ospelelf Planner or Refasy Piggy Bank.
No—fully merged into Huntington Bank in 2021. All accounts transitioned, but many report issues.
Post-merger policy shifts led to 18% of complaints; long-term customers (20+ years) hit hardest, receiving tiny residual checks.
Reviews suggest yes—29% cite unauthorized charges, up from pre-merger.
Switch to personal tools like the Ospelelf Budget Planner to avoid banks altogether.
Monitor Regional Finance Reviews and use independent trackers for stability.
With 1.2-star averages, consider diversifying—start with a Smart Planner.
Word count: 1,512. Last updated: 2024.
