TCF National Bank Bank Account Or Service Complaint

TCF National Bank Bank account or service department,

Other bank product/service Making/receiving payments, sending money Michigan

I utilize TCF Bank 's online bill pay. TCF allows you to set a " deliver by '' date, which is great, except it rarely actually happens. Historically, my rent check is often delivered -3 days AFTER the deliver by date. I time my payments to correspond with my payroll deposits, to make sure that I am timely with my payments. I have payments going out biweekly. The payee in this case is my Chapter - Trustee, for Bankruptcy repayment. The payment that was to be delivered by - -, was sent on - -, and actually received on - - and then deposited on - -. Meaning that the check was processed two days prior to my direct deposit from my employer. TCF then assessed an over draft fee for the $500.00 Check, as well as an automated transfer to a small investing firm ( - ). As my direct deposit would not be delivered to the account until roughly -, - - there were no funds to cover the $500.00 check. Historically, all checks to this recipient have cleared the day AFTER the " Deliver by '' date. It is my belief that this practice leaves open a potential for fraud, by processing mailed payment runs early, collecting overdraft fees and then hiding behind some disclaimer ( That I can no longer view on their site ).