TCF National Bank Bank Account Or Service Complaint

TCF National Bank Bank account or service department,

Checking account Problems caused by my funds being low Minnesota

I have a TCF bank account and with it I chose the option to have them cover any transactions that may put me into a negative balance and charge me an overdraft fee ( OPT-IN ). At the end of -/-/- I used my - that is attached to my checking account. The transaction went through at the store but days later was rejected for insufficient funds. I was charged an overdraft fee and a returned check fee. When I called - times and asked why these were returned ( because I do have the OPT IN coverage ), they told me that - does n't say they will cover all transactions. I asked what is the criteria for not covering and no one could tell me. The solution they came up with was to open a savings account and they could pull $ out of there to cover the insufficient funds in the checking account.