A young man left $4.85 in his TCF Bank account. TCF assessed him a $9.95 "maintenance fee" for not having enough money in his account. Then they charged him for being overdrawn by $5.10 (ten cents more than he was allowed by their rules). In less than two weeks, they'd assessed so many fees and penalties against the account holder that he owed them $229.10. All for having the temerity to have a low-balance account. The bank said it was his own fault for not having more money. Finally, they relented — only after being contacted by a newspaper.

"I try to raise my children the right way and if my son would have overdrawn this account because of spending money he didn't have we would have made him take care of it," she said. "But what TCF did is not right. Money is tight right now and if this is their way of making money, they need to be stopped."

Ganziano said the entire goal of setting up the account was to teach her sons how to be smart with their money.

"When they get zapped this way, why would they trust a bank?" she said.