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Certificates of Deposit

A TCF Certificate of Deposit (CD) is a great way to build your savings because you can lock into a fixed rate for the term you choose.
  • Earn a fixed, competitive interest rate.
  • $500 minimum opening deposit
  • Choose from a wide range of terms, from 3 months to 10 years
  • Early withdrawal penalties may apply
See the Terms and Conditions for more details on early withdrawal penalties. Other fees may apply.
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Save for retirement with an IRA.

Choose from a range of tax-efficient options.

Learn more

Save for big purchases with a money market account.

Earn a competitive interest rate and enjoy greater access to your money.

Learn more

Looking for a simpler savings account?

With a TCF Savings account, you can earn interest on every dollar and enjoy lower maintenance fees.

Learn more

Questions about your checking & savings account

There are several ways to access your account information.

Wiith TCF Online Banking you can:
  • Check account balances
  • View transaction history
  • Pay bills
  • Transfer funds between qualifying TCF accounts
  • View images of cleared checks and deposit slips
  • Enroll in Mobile Banking
  • Enroll in Online Statements
  • Reorder checks
  • Establish account alerts
With TCF Mobile Banking you can:
  • Check account balances
  • View transaction history
  • Pay bills
  • Transfer funds between qualifying TCF accounts
  • Find TCF branches, ATMs
With our 24-hour automated TCF Phone Banking service you can:
  • Activate a New Card
  • Check account balances
  • Hear last 60 days of pending and posted transactions in chronological order
  • Transfer funds between qualifying TCF accounts for the current business day-up until 10:30 PM (CT)
  • Change your PIN
  • Reorder checks
  • Order a summary statement of transactions since your last monthly statement
  • Obtain total previous year's interest earned on all deposit accounts related to your Social Security or Tax ID number (available January through July), or order a duplicate copy of your 1099 statement
If you have a TCF Check Card, TCF Premier Plus Charge Card or a TCF ATM Card, you can receive balance information, a mini-statement, or can order a statement update at any TCF ATM. Fees apply for mini-statements ($1.50) and statement updates ($5.00).

You will usually need to provide a Routing and Transit Number (RTN) when enrolling in automated services such as direct deposit. An RTN speeds up the processing of debits and credits between financial institutions. To find where the RTN is located on a check, look at the example below. Do not use a Deposit Ticket Routing Number for automated services.

TCF Routing Number

The best resource to determine your RTN is by looking at a check. If none is available, use the TCF Routing and Transit Numbers chart below to find the number associated with the state where you opened your account. This may not be the same state where you currently live.













South Dakota




For accounts opened online, use the state specified in your online application. If you have any questions, call Customer Service.

There are several ways to order more TCF checks:
  • Login to Online Banking under the Services tab, select Check Services. Not yet enrolled? Enroll in TCF Online Banking.
  • Order through our partner Harland Clarke by visiting or by calling 1-888-874-5296.
  • Call the 24-hour TCF Phone Banking service. Press 4 (more options) -> select 1 (my account) -> select 5 (reorder checks).
  • Bring your check reorder slip into a TCF branch.
  • Mail your check reorder slip to any TCF branch.
If your card is lost or stolen, call Customer Service as soon as you can.  We can order a new card for you and help with reviewing your account activity for any charges you don’t recognize.

If you are setting up direct deposit for a payroll check, please complete a Direct Deposit Set-Up Form or visit any TCF branch. Once completed, either submit it to your employer or if required by your employer, transfer the information onto your employer's direct deposit form.

If you are setting up direct deposit for a Federal benefit check, a TCF Representative can help you complete the required form and mail it in for you or assist you in contacting the U.S. Treasury Department at (800) 333-1795.

Allow approximately 4 weeks after completing the process for direct deposit to start.

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