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FAQs

Customer Service

Disclosures and Agreements

See below for links to important disclosures and agreements.

Account Summary - TCF provides an easy-to-read account summary, describing the key fees, terms and conditions of our most popular checking accounts. Current Rates & Yields - select the state where you opened or plan to open your account. Deposit Account Services & Prices Schedule - select the state where you opened or plan to open your account. Small Business Account Services and Prices Schedule - select the state where you opened or plan to open your account. Other disclosures and agreements:

Checking and Savings

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.

Arizona

122106183

Colorado

107006444

Illinois

271972572

Indiana

271972572

Michigan

272471548

Minnesota

291070001

South Dakota

291070001

Wisconsin

275071385


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 ordermychecks.com 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.

To view your monthly statements online, you must first enroll in TCF Online Banking.  To add Online Statements to your existing TCF Online Banking service:
  1. Log in to Online Banking.
  2. Select Accounts -> Statements -> Manage Delivery Options
  3. View the sample statement and accept the agreement.
  4. Choose which accounts you want to receive Online Statements by selecting the Delivery Method desired from the drop down list.
See our current rates by selecting the state where you opened your account: For accounts opened online, use the state specified in your online application.
You may view monthly interest activity online in TCF Online Banking.  You may also call our 24-hour automated TCF Phone Banking service to get interest information on your accounts.
To set up recurring transfer between your eligible TCF accounts, log in to TCF Online Banking, select the Transfers tab and then select Create Transfer or visit your nearest TCF branch.

TCF Overdraft Protection Line of Credit is an emergency line of credit to cover your overdrafts. We will automatically advance funds from your line of credit to cover transactions that exceed the balance in your checking account. If transactions in your checking account then exceed the amount available on your line of credit, they are subject to TCF's overdraft services and fees.

TCF Overdraft Protection Transfer Service links your savings account to your checking account to cover overdrafts. We will automatically transfer funds from your savings account to cover transactions that exceed the balance in your checking account. If transactions in your checking account then exceed the amount available in your savings account, they are subject to TCF's overdraft services and fees.

The daily withdrawal limit varies by account. In general, a maximum of $520 can be withdrawn.

No. There is no charge for these transactions.

For non-TCF ATMs, the bank that owns the ATM may charge an access fee, which varies by ATM and is disclosed on the screen prior to you completing your transaction. TCF also charges a fee when you use an ATM that is not owned by TCF. TCF may waive this fee for certain account types. You can avoid these fees by using a TCF ATM.

The institution that owns the ATM may charge an access fee, which varies by ATM and is disclosed on the screen prior to you completing your transaction. TCF also charges a fee when you use an ATM that is not a TCF ATM. TCF may waive this fee for certain account types. You can avoid these fees by using a TCF ATM.
Yes, if you opt-in to authorize TCF to pay overdrafts at ATMs.

Funds from the types of deposits noted below to your TCF checking account are generally available as follows:

Wire transfers, direct deposits, cash deposits with a teller, cash deposits at TCF ATMs that accept cash deposits, and the first $250 of aggregate check deposits with a teller

Same Business Day

Check deposit at ATM

1 Business Day

Cashier check, government check, check drawn on TCF Bank, or postal money order deposit with a teller

1 Business Day (except for the portion available Same Business Day)

Other check deposits with a teller

2 Business Days (except for the portion available Same Business Day)

Note:  Longer delays may apply for new accounts.

A “Business Day” is a non-holiday weekday.  The end of a Business Day varies by TCF location, but it is no earlier than 2:00 PM.


Please refer to the section called “Funds Availability Schedule and Disclosures” in TCF’s Terms & Conditions for Checking and Savings Accounts for more information.

By federal regulation, you may not make more than six transfers or withdrawals (or a combination of transfers or withdrawals) from a savings or money market account during a month or monthly statement period: (1) to another account you have with TCF or to a third party by pre-authorized or automatic transfer; (2) by telephone, fax, or online banking; (3) by check or draft (if you can write checks or drafts against your account); (4) by debit card (if we have issued a debit card for your account); or (5) by similar order by you and payable to third parties.

An excessive withdrawal fee of $15 applies for each transfer or withdrawal that exceeds the transaction limit.

See the section called “Limits on Withdrawals and Transfer Requests” in the Terms and Conditions for Checking and Savings Accounts for additional information on these limits.

TCF Bank
ATTN: Bank by Mail
801 Marquette Avenue
Minneapolis, MN 55402-3475
You can find the fees and services schedule for TCF's most common deposit account products by selecting the state where you opened your account: For accounts opened online, use the state specified in your online application.

Commonly Requested Forms

As a TCF Bank customer, you’ll get $25* credited to your account — for every friend you refer that opens a new TCF checking account with $100 or more opening deposit.

Three steps to the $25 referral reward
  1. Print a Referral Rewards form or pick one up at your neighborhood TCF branch.
  2. Give it to a friend and recommend a new TCF checking account.
  3. When your friend opens a new TCF checking account with a $100 or more opening deposit, we will credit your account $25.

*A Referral Rewards form must be submitted to a TCF branch at account opening. Referred customer must not have had a TCF Checking account in the past 90 days. Referred customer must make an opening deposit of $100 or more to a consumer checking account for your referring customer to be eligible for this offer. $25 will be credited into the referring customer’s account within 2 weeks. Referring customer is responsible for all applicable taxes. Offer is subject to change and cannot be combined with any other offer. See a TCF Representative for details.

The Simple Switch Kit has helpful information to make the move to TCF a little easier. Print the Simple Switch Kit and follow the directions below to begin the switch today!
  1. Write your new account information, direct deposit Information and automatic payment authorization on the Simple Switch Kit.
  2. Visit a TCF branch to open a checking account.
  3. Give your completed Simple Switch Kit to the TCF Representative helping you. They will help you open an account and switch your direct deposits and Automatic Payments.
  4. After opening your account, you may enroll in Online Banking, Online Statements and Online Bill Payment.

If you are setting up direct deposit for a payroll check, please complete the 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.

My Account

Use any of the following methods to change your address:
  • Online Banking:
    1. Log in to TCF Online Banking
    2. Select the Home tab -> Preferences -> Change Contact Preferences
  • Call Customer Service
  • Visit any TCF branch and speak with a TCF Representative
You can request a stop payment on a check using one of the methods below:
  • Call Customer Service
  • Visit any TCF branch and speak with a TCF Representative.
When requesting a stop payment, you will need to provide the following:
  • Name
  • Phone number
  • Account number
  • Reason for stop payment request
  • Amount
  • Payee
  • Check number(s) or if automated debit, name of company and exact amount

Fees apply. Stop payment requests are not available for all check types. See the Terms & Conditions for Checking and Savings Accounts for more details.

TCF provides an easy-to-read account summary. This document, modeled after the Pew Charitable Trust disclosure, describes the key fees, terms and conditions of our most popular checking accounts. Select the account summary based on the state you opened your account: You may view TCF's Privacy Policy and TCF’s Online Privacy and Security Policy on the TCF website.

Online Statements

An Online Statement is an electronic version of the paper statement you receive monthly for your checking and savings accounts. It includes all of the same information that you currently receive in your paper statement, including canceled check images, legal notices and the back page of your statement.
Online Statements are free.
All checking and statement savings accounts are eligible for Online Statements. To receive statements online for combined checking and savings statement accounts, call our Customer Service and request that those accounts be uncombined.
No. Combined checking and savings statements are not eligible for Online Statements. To receive statements online for those accounts, call Customer Service and request that those accounts be uncombined.

Online Statements are both safe and convenient.  Accessible only during a secure online banking session, Online Statements help guard your personal information while reducing the clutter and hassle of paper statements.  View up to 3 years of past statements online anytime and from anywhere you have Internet access.

Online Statements may also save you fees if your checking account is subject to the paper statement fee. For more information on the paper statement fee, view the Deposit Account Services & Prices Schedule for your state.

Log in to TCF Online Banking and select the Accounts Tab followed by: Statements -> Manage Delivery Options.  Under the Delivery Method column in the drop down boxes, select "Online Only" for each account that you want to receive an Online Statement. Preview your selections and then select Submit.
You will automatically have a minimum of two months of statements available online after you enroll. Your next statement will appear online at the same time you would receive your paper statement.
If you enroll your accounts in Online Statements, you will no longer receive a paper statement in the mail for those accounts. However, if you signed up for Online Statements in a branch, you must first log in to Online Banking from a non TCF computer to fully complete the enrollment process.
Your Online Statement will be presented to you electronically in Portable Document Format (PDF). To view, print or save the PDF, you will need to download a free copy of Adobe® Acrobat Reader.
Yes. Your Online Statement will look identical to your paper statement, including canceled check images, legal notices and will also include the back page of your statement.
You will receive a secure notification to your TCF Online Banking mailbox when your statement is available to view online. You can also set up an alert to your email address.
Log in to TCF Online Banking, select the Accounts Tab, and then the Statements option. Select the account and time period you would like to view.
Yes, you can print your statement from Online Banking.
Yes, if you received images of your canceled checks with your paper statement.
You will have 3 years of statements available online. Call Customer Service to obtain copies of statements older than 3 years (fees may apply for copies; see the Deposit Account Services & Price Schedule for your state).
Yes, any joint account owner can sign up that account for Online Statements.
Yes. All inserts (policy changes, account notices, privacy information, marketing information, etc.) will be included in the PDF.

Online and Mobile Banking

TCF Online Banking features and benefits:
  • 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
TCF Mobile Banking features and benefits:
  • Check account balances
  • View transaction history
  • Pay bills
  • Transfer funds between qualifying TCF accounts
  • Find TCF branches, ATMs
You will need to provide the following information:
  1. Social Security number (SSN), Federal Tax ID Number, or if you don’t have one,  your date of birth
  2. Your TCF account number
  3. Your PIN (used at TCF ATMs or TCF Phone Banking), for some loan customers (this PIN may have been mailed to you)
  4. Personal email address
To access TCF Mobile Banking, you must first be enrolled in TCF Online Banking. If you are already enrolled in Online Banking, simply log in to Online Banking and select the Mobile tab, accept the TCF Mobile Banking Terms of Service, then follow the remaining instructions.

TCF Online and Mobile Banking is FREE for all consumer checking accounts.

Small Business Banking
  • TCF Online and Mobile Banking: $2.95 per month. This fee is waived if you enroll in online statements or Bill Payment service.
  • Bill Payment: $5.95 per month for up to 25 items. Each additional bill payment over 25 per month is $.40 per bill payment. This fee is waived if you enroll in online statements.
You can begin using TCF Online Banking as soon as your online enrollment is complete.  It may take up to two business days for your transaction information to display.

Your privacy and security are as important to us as they are to you. TCF Bank uses sophisticated technology to ensure that your personal information and confidential transactions remain safe, secure and private.

In order to use our online banking service, your browser must support the Secure Socket Layer (SSL) protocol. SSL provides a secure channel to send and receive data over the Internet using encryption capabilities. "Encryption" means we will scramble the data we send back and forth to prevent third parties from accessing your information. We also protect your privacy and security through a series of routing and firewalls that prevent unauthorized persons from obtaining your account information.

You authorize and authenticate your online banking transactions through the use of your password or PIN (Personal Identification Number). You are responsible for maintaining the secrecy of your password or PIN. Learn more about TCF Online Privacy and Security Policy.

You will need an Internet browser, mobile device, or tablet that supports secure communications. TCF Online Banking is always viewed best with the most recent generally available version of the following browsers: Internet Explorer®, Chrome, Safari®, and Firefox®.

If you forgot your password, you may choose to either create a password immediately or you may have a new temporary password sent to your email address. You must have a valid email address already established in your online banking profile to use this service.

To create a new password or request a temporary password:
  1. Click the forgot password link on the TCF Online Banking Confirm Authentication Credentials and Enter Password page
  2. Answer your challenge question
  3. Select either Create New Password Now or Send Temporary Password To My Email
  4. If you select Create New Password Now
    • Answer the questions to validate your
    • Enter and confirm a new desired password
  5. If you select Send Temporary Password To My Email
    • You will receive a secure email with a temporary password
    • You will be required to change your temporary password after logging in to Online Banking
A reminder email with your Login ID can be sent to your email address.  You must have a valid email already established in your online banking profile to use this service. To request your Login ID, follow these steps:
  1. Select the Forgot Login ID? link from the secure login page
  2. Provide the information requested to authenticate your identity on the Forgot Login ID page
  3. You will receive a secure email with your Login ID
To change your Login ID or password:
  1. Log in to TCF Online Banking
  2. Select Preferences on the Home tab
  3. Select Change Login ID or Change Password
To prevent unauthorized use of your accounts and prevent others from viewing your information, TCF automatically logs you off of your Online Banking session after a period of inactivity.
The service will accumulate and store up to 180 days of activity. If you sign up for Online Statements, account activity is available up to 18 months.
Images of checks and deposit slips will be available online for up to 180 days. Online Statements that include images may be viewed for up to 18 months.
Once you have enrolled, you can access any TCF deposit or loan account you own.

Bill Pay

To pay your bills online, you must first enroll in TCF Online Banking. To add Online Bill Payment to your existing TCF Online Banking service:
  1. Log in to Online Banking
  2. Select Bill Payment tab
  3. Select Enroll
You can pay almost any bill online that is payable in the United States. There is an exception for payments to many government agencies.

Payment timing can vary by payee, and delivery dates are based on the way payments are delivered to payees.  If your payee has electronic payment capability, it will take about two days for your payee to receive your payment.  If we have to send a check, it could take up to four days for your payee to receive your payment.  Payee lead times, the amount of time your payee requires to process a payment, may also vary.  

TCF’s bill payment service includes a Smart Calendar, which can help you determine when you should schedule a payment based on the payee’s delivery method and the lead times.  When making your payments, select the appropriate Due Date, and the calendar will automatically display available Due Dates for that payee.  The earliest available Due Date for payees may vary based on delivery method and payee processing times. Please note that payee posting and cut-off times vary.  

Please check with your payee for exact details on how payments are credited.

Yes.  You can set up your own reminders for any bills that need to be paid.  We will automatically display the amount and the number of days remaining until a payment is due in your payee list.

An eBill is an electronic version of your paper bill that you can elect to receive directly into your online banking under the Payments tab.  You can then view your entire bill and pay immediately or schedule future payments directly.  

eBills are available for many payees and will be set up for only those payees you choose.  Once you have an eBill set up for a payee and start receiving it, your payee may stop sending you a paper bill as you will now receive your eBill in TCF bill payment service.  

It typically takes 1-2 billing cycles for you to begin receiving your bill online.

Open Account Online

You will need the following to open a TCF account online:
  • You must be 18 years or older and a U.S. citizen or U.S. resident alien
  • Driver's license, State ID, U.S. Passport or U.S. Military ID
  • Mailing address in Minnesota, Illinois, Michigan, Wisconsin, Indiana, Colorado, Arizona, North Dakota, Florida, or Iowa
  • Previous home address (if you have lived at your home address less than 2 years)
  • U.S. Social Security Number
  • Valid e-mail address
  • Credit or debit card or U.S. checking or savings account to fund the account
You will need the following information to open a joint account:
  • You must be 18 years or older and a U.S. citizen or U.S. resident alien
  • Driver's license, State ID, U.S. Passport or U.S. Military ID
  • Mailing address in Minnesota, Illinois, Michigan, Wisconsin, Indiana, Colorado, Arizona, North Dakota, Florida, or Iowa
  • Previous home address (if you have lived at your home address less than 2 years)
  • U.S. Social Security Number
  • Valid e-mail address so you can save your application to complete later
  • Credit or debit card or U.S. checking or savings account to fund the account
  • Both applicants must be present through the application process since we will ask you both security questions to verify your identities
If you are not a U.S. Citizen or U.S. Resident Alien, you are unable to apply online. If you would like to open an account, you will need to visit a TCF branch.
Yes.  We use the latest encryption technology to make sure your information and application is secure. To learn more about TCF Security and how to protect yourself please see TCF’s Online Privacy and Security Policy.
Yes. You can open a checking account, savings account, or money market account for each online application.

Available Balance

Your available balance is the amount that is available for withdrawal from your account. Generally, your available balance is deposits minus withdrawals, transfers, debit card authorizations, and fees.

Checks you deposit are not immediately available for withdrawal. Therefore, part of any check you deposit may not be included in your available balance for a few days. See the section called “Funds Availability Schedule and Disclosures” in TCF’s Terms & Conditions for Checking and Savings Accounts for more information.

When you use your debit card and TCF authorizes the transaction, TCF reduces your available balance by the amount of the authorization, even though the money does not come out of your account at that time. This reduction generally lasts for 3 business days unless the transaction reaches TCF for payment sooner.

When TCF reduces your available balance because of a debit card authorization, there is less money available to pay other transactions. This could cause your account to be overdrawn when it otherwise might not be.

Please note that debit card transactions can reach TCF for payment sooner than, or later than, 3 business days. They can also be for an amount different from the amount we authorized.

To determine if a transaction exceeds your available balance, TCF uses your available balance at the point in time that we process the transaction for payment against your account. If a check exceeds your available balance, it is up to TCF's discretion to pay the item or not pay it. If you write a check for more than your available balance, one of several things could happen.
  • TCF can return the check without paying it and charge you a fee. This fee is called a "returned item NSF fee." And the person or company that you wrote the check to – for example, a store or your credit card company – might charge you a "returned check fee" in addition to the fee we charge.
  • Or TCF can pay the check and charge you a fee. This fee is called an "overdraft fee." Depending on your account type, this fee can be a per item or a daily fee.
Electronic payments from your account, called "ACH," include such things as recurring monthly bill payments or one-time payments that do not involve the use of a debit card. Like checks, it is up to TCF's discretion to pay, or not pay, any electronic payment that exceeds your available balance. In either case, TCF will charge you a fee. However, see the FAQ below for your right to "opt-out."

Debit card transactions work somewhat differently than checks. Once TCF approves ("authorizes") a debit card transaction, it can generally take up to 3 business days for it to reach TCF for payment ("settlement"). So, while your available balance may be enough to cover a transaction when we authorize it, that does not mean it will be enough at the time of settlement. If TCF authorized a transaction, we are required to pay it even though your available balance at settlement may not be enough to cover a transaction.

Here is an example of how that works. Say you have $100 in your account on day 1. That same day you write a check for $40. On day 2, you use your debit card to make a purchase for $80. Because you have enough money in your account at the time of the purchase, TCF authorizes it. Your available balance is now $20. On day 3, the $40 check is presented to TCF for payment, and TCF pays it. Your available balance is now negative by $20, and you incur an overdraft fee. On day 3, your $80 debit card transaction reaches TCF for payment. Because TCF previously authorized the transaction, we are required to pay it. Because your account is still overdrawn, you incur another overdraft fee (provided you have "opted-in", as discussed in the FAQ below)

This can also work the other way around. Say you have $100 in your account on day 1 and use your debit card to make a purchase for $120. Even though the transaction exceeds your available balance, TCF authorizes it (provided you have "opted-in", as discussed in the FAQ below). You do not incur an overdraft fee at this time. On day 2, you make a cash deposit for $30. On day 3, your $120 debit card transaction reaches TCF for payment. Because the transaction is for less than your available balance when it reaches TCF for payment, it does not overdraw your account. If you had not made the deposit, you would have incurred an overdraft fee.

Please note that some transactions using your debit card, such as ATMs and those using your PIN, can reach TCF for payment the same day or in as little as one day.

Initially, your decision is made when you open your account. To change your decision stop by any TCF branch, log in to online banking, call the Overdraft Service Election Line at 1-866-823-4472, or write TCF TCF Bank, Attn Customer Service, 801 Marquette Ave, OPS-SD-G, Minneapolis, MN 55402-3475. You can also opt-in at select TCF ATMs.

Whatever you decide, you can change your mind later. Any written request you send TCF should include your name, address, date of request, account number(s), and overdraft decision.

Overdraft Services

You “overdraw” your Account when you write a check that exceeds your available balance at the time we deduct the payment from your Account. You also overdraw your Account when you use your debit card for a transaction that exceeds your available balance at the time we deduct the payment from your Account.

“Posting” is when TCF processes transactions to your account. “Posting order” is the order in which TCF processes transactions in a given business day.

We post transactions nightly each business day. We first post deposits and incoming transfers that are made before the daily cutoff time. We then post withdrawals and outgoing transfers. Transactions may not be posted in the order in which they occurred. TCF may, at any time in the future, change the posting order on your account. The posting order on your account can affect the amount of overdraft and returned item NSF fees that you pay.

Please refer to the section called “Order of Posting” in TCF’s Terms & Conditions for Checking and Savings Accounts for more information.

TCF charges a fee, called an overdraft fee, when it pays transactions that exceed your available balance. TCF also charges a fee, called a returned item NSF fee, for returning items without paying them. TCF charges the returned item NSF fee regardless of the amount of the item or your account balance.

Federal regulations require banks to get your permission before paying ATM and everyday debit card overdrafts on consumer accounts when charging a fee.*  This is called “opt-in.”

If you opt-in, it is up to TCF’s discretion to authorize or not authorize these transactions. TCF will charge a fee for any transactions resulting in an overdraft. Banks only need your permission once. Your permission is not required separately for each transaction. Opting-in can have benefits, because it gives TCF the option (although we are not required) to approve transactions when your account is unexpectedly low on money, or when you know you will make a deposit later that day. But overdraft fees will apply.

If you do not opt-in, you may avoid unexpected fees on your account. However, TCF will not approve your ATM and everyday debit card transactions if they exceed your available balance at the time of the authorization. You will not be charged a fee for these declined transactions.

* An “everyday” debit card transaction is any one-time, nonrecurring transaction using a debit card. Transactions you authorize in advance using your debit card, such as a monthly bill payment, are not considered everyday transactions. TCF relies on transaction coding provided by the merchant to determine if a transaction is recurring.

You also have the option of telling TCF not to pay overdrafts on your consumer account due to checks, ACH transactions (such as electronic monthly bill payments) and electronic transfers not involving the use of your debit card. This is called “opt-out.”

If you opt-out, TCF will return transactions without paying them if they exceed your available balance. If you do not opt-out, it is up to TCF’s discretion to pay or not pay these transactions.

TCF will charge you a fee for any overdrafts we pay and for any items we return without paying.

Initially, your decision is made when you open your account. To change your decision stop by any TCF branch, log in to online banking, call the Overdraft Service Election Line at 1-866-823-4472, or write TCF TCF Bank, Attn Customer Service, 801 Marquette Ave, OPS-SD-G, Minneapolis, MN 55402-3475. You can also opt-in at select TCF ATMs.

Whatever you decide, you can change your mind later. Any written request you send TCF should include your name, address, date of request, account number(s), and overdraft decision.

Loans and Credit

You may contact Consumer Lending Customer Service. Please have your consumer loan account number available.
You can apply for a loan at our branch locations. To be connected with the branch nearest you, please call Consumer Lending Customer Service.
New coupon books will be automatically sent to you before you run out of coupons. There is no need for you to call to reorder. If you have lost your current coupon book, please contact Consumer Lending Customer Service. Coupon books are only available for non-real estate secured loans.
We also offer you the convenience of viewing your loan account information online. If you currently have a TCF checking or savings account, you may enroll in Online Banking. If you do not have a TCF checking or savings account, call our Consumer Lending Customer Service to obtain a PIN that will allow you to enroll in Online Banking.
For all history requests, please contact Consumer Lending Customer Service.
Refunds are normally sent out within 10 business days of the date of your consumer loan pay-off. If you haven't received your refund within 15 business days, please contact Consumer Lending Customer Service.
Please contact Consumer Lending Customer Service to obtain the necessary forms.

All address change requests should be submitted in writing including your consumer loan account number and the old and new address. The request can be mailed to:

TCF Bank
Attn: Customer Service
Mail Code: 002-01-p
101 E. 5th St. Suite 101
St. Paul, MN 55101
Please contact the lender at the branch where you closed your loan or call Consumer Lending Customer Service.

The TCF CommandLine is TCF's Home Equity Line of Credit, which provides you access to the equity in your home.

Now it is even more convenient with the TCF CommandLine Card, a VISA® branded credit card that directly accesses your Line of Credit. If you request the TCF CommandLine Card, you can get cash advances from ATMs or banks or make purchases everywhere VISA credit cards are accepted. 

The TCF CommandLine Card is not available in Connecticut, Nebraska and New York.  For more information or to apply for your TCF CommandLine, please call Consumer Lending Customer Service.

Report lost or stolen cards immediately by calling Consumer Lending Customer Service. TCF provides zero fraud liability for unauthorized use of your card. Cardholder must notify TCF Bank of any unauthorized use no later than 60 days after we sent you the first statement on which the unauthorized use appeared. Certain conditions and limitations may apply.

The Federal Trade Commission (FTC) provides helpful information for consumers regarding how to dispute credit report errors on the FTC website (Disputing Errors on Credit Reports page).

If you believe that TCF has reported information regarding your TCF loan incorrectly to a credit reporting agency, you may dispute the accuracy of the reporting both to the credit reporting agency and to TCF.  To dispute the accuracy of the information to TCF, you must send a written notice of dispute to:

TCF National Bank
Attn: Customer Service
101 East 5th St., Suite 101
St. Paul, MN 55101

As required by the Fair Credit Reporting Act, the notice of dispute must contain the following information:

  1. The account that is in dispute, including the account number, if available;
  2. The specific information that you believe is inaccurate;
  3. An explanation of why you believe the information is inaccurate; and
  4. A copy of the relevant portion of the consumer report that you believe is inaccurate. 

Your letter may look something like the sample below.  When we receive your notice of dispute that includes the above information, we will investigate the dispute.

You may also dispute the accuracy of any item on your credit report, including the accuracy of information provided by TCF National Bank, to the credit reporting agency that provided the report.  The customer service numbers for the credit reporting agencies are as follows:

  • Experian: 1-888-397-3742
  • TransUnion: 1-800-888-4213
  • Equifax: 1-800-685-1111

If you are unsure about which credit reporting agency to contact, we may be able to direct you. Please contact Consumer Lending Customer Service at 1-800-950-7332

Sample Dispute Letter:

Date
Your Name
Your Mailing Address
Your City, State, Zip Code

TCF National Bank

Attn: Customer Service
101 East 5th St., Suite 101
St. Paul, MN 55101

Re: Loan#__________________

Dear Sir or Madam:

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.

This TCF loan is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be removed (or request another specific change) to correct the information. Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,
Your name

Enclosures: (List what you are enclosing.)

Miles Plus Rewards Program

TCF Miles Plus Rewards Program is available to any customer who opens and maintains a TCF Premier Checking Plus account. To open an account, visit a TCF branch.
You earn 1 point for every $1 spent on qualifying purchases made with your TCF Premier Plus Charge Card. For example, a $50 purchase earns 50 points.

Points are earned for Qualifying Purchases. A “Qualifying Purchase” is any signature-based purchase, Internet purchase, phone or mail order purchase, or automatic bill payment made with an enrolled Card, which is processed or submitted through the Visa® U.S.A. Inc. transaction processing system.

Payments of existing card balances, balance transfers, manual cash advances, funds transfers using the Visa Money Transfer system, ATM cash advances, ATM withdrawals, ATM transfers or other ATM transactions, convenience checks, fees charged by us (for example, annual fees, finance charges, and related service charges, if any apply), payments made for prepaid and re-loadable cards such as certain gift cards and similar cards, or payments made for payment instruments that can readily be converted to cash (for example, travelers cheques, money orders, wire transfers, and similar products or services) are not Qualifying Purchases.

We reserve the right to determine in our sole discretion whether a particular Card transaction is a Qualifying Purchase.

You can begin to earn points for Qualifying Purchases as soon as you receive your TCF Premier Plus Charge Card.
Currently there are no monthly, annual or lifetime 'caps' on the number of points you can earn.
Points currently have no scheduled expiration; however, this is subject to change by TCF. If you close your TCF Premier Checking Plus account or do not have a minimum of 1 Qualifying Purchase for 24 consecutive months, your points will be forfeited.
You earn points with every Qualifying Purchase made with your TCF Premier Plus Charge Card. A Qualifying Purchase is a purchase processed through the Visa transaction processing system. See a complete definition of a Qualifying Purchase in the program rules (Terms and Conditions). Points are added to your Reward Account on a monthly basis.
Log in to TCF Online Banking and select the Rewards tab. Your point balance will appear in the upper right hand corner of the Rewards home page. Points are added to your Rewards Account on a monthly basis. You can also click on Rewards Statement once you sign in to TCF Miles Plus Rewards for more detail. For security purposes, you need your checking account number and the PIN you created for your card.
Yes. If you return a purchase that earned points, returning all or a portion of that purchase will reduce your point total by the dollar value of the merchandise returned.
Yes. All points will be forfeited if you close your TCF checking account.
Remember that TCF updates your point totals at the end of every calendar month. You can also look at the history of all points in the Points Reward history page. If you still have questions, contact Customer Service.
If your TCF Premier Plus Charge Card or TCF Miles Plus Check Card number changes for any reason, your point total will transfer.
Log in to TCF Online Banking and select the Rewards tab. Click Redeem Points at the left side of the page. You will need your TCF checking account number and the PIN you created for your card.
You can redeem your points for merchandise or air travel rewards, but points are not redeemable for cash.
No, but continue to use your card for all your merchant Qualifying Purchases and we will keep adding points to your TCF Miles Plus Reward Account. The more you use your card, the faster your Reward Account total grows.
Points cannot be transferred to another TCF Miles Plus Reward Account. You can, however, book travel or redeem merchandise for another party.
Yes, you may use your points for Business Class or First Class travel. After you have selected your flight, simply choose the flight class seating option.
Yes, if you have a frequent flier account with that airline and you enter your frequent flier number when you book your flight.

Online Banking and Email Fraud

The term "phishing" comes from the way in which internet scammers "phish" for your personal financial information. This involves sending fraudulent emails that appear to be from a legitimate company that you recognize and do business with, such as a financial institution, in order to trick you into surrendering private information that can be used to initiate fraudulent transactions or complete an identity theft.

In many cases, the fraudulent email will warn you of a serious problem with your account that needs immediate attention, and will threaten to suspend or close your account if your personal information is not updated within a given time frame. The email then directs you to click on a link to a phony website where you are asked to update personal information, such as your Social Security number, passwords, credit card information, bank account numbers and contact information.

Any email you receive that appears to be from TCF and requests updated personal information, such as your Social Security number, account number, PIN, or passwords, is fraudulent. The link contained in the email is NOT to TCF Bank's website, even though it may imitate our style and graphics.

If you provide the requested information, you may find yourself a victim of identity theft.

The subject line of the email can vary. Any email claiming to be from TCF Bank that asks for customer information should be forwarded to emailfraud@tcfbank.com immediately. Delete the email after it has been forwarded to us.

Do not type any information or respond in any way and close the message. If you did respond, call Customer Service immediately.

TCF Bank does not use pop-up messages to request customer information. We will never ask you for your Login ID, Password, or PIN by pop-up message.

One of the newest email scams is the "Account Manager" scam, which offers to let you become an "Account Manager" or "Transfer Agent" for a third party, usually in another country.

Scammers will try to solicit you through an email or web advertisement, offering to let you work from home and be an "Account Manager" or "Money Transfer Agent" for them. In turn, they will let you earn commissions for your trouble and offer to increase your fee the more transfers you complete for them. Money is then transferred out of an unsuspecting person's account and into yours. Then you are asked to send the money to them through Western Union or other funds transfer service provider under the impression that you will keep a percentage of the money they have deposited into your account.

If you agree to become an Account Manager for the scammers, you have no idea where the money is coming from or where it is going. It could be used for a variety of illegal purposes, including terrorism, and you could be prosecuted if caught. Do not believe any emails or web advertisements offering to let you earn money by transferring cash.

If you receive an email or see an advertisement offering to make you an "Account Manager" or "Money Transfer Agent," forward it immediately to your local Secret Service office or the national Financial Crimes Division at 950 H Street, Washington, D.C., 20001 or fax to 202-406-5031.

TCF Bank will never ask you to provide your Online Banking Login ID or Password by email. Use the following tips for preventing email fraud and identity theft:
  • You should be suspicious of any email that appears to be from TCF Bank containing links to websites asking for confidential information.
  • Never provide personal information in response to an unsolicited request, whether it is in an email or over the phone. If you believe the request may be legitimate, contact the financial institution yourself using contact information that you have verified. Do not use phone numbers contained in emails you believe may be fraudulent.
  • Delete emails from unknown senders without opening them. Do not open attachments; this may release a virus in your computer to track your personal information.
  • Never send an account number, PIN, or password by email.
  • Choose a PIN and password that is known only by you and keep it in a safe place. Consider changing your Secret PIN and password on a regular basis.
  • Review all account statements, including online statements, regularly to verify all charges are correct and to check for any suspicious activity.
  • If you are suspicious of any email you receive that appears to be from TCF Bank, call Customer Service immediately.
If you choose free standard delivery, a new card will be re-issued to you within 7-10 business days after you have reported it stolen. Or, we can help you get back to normal faster than ever with Expedited and Rush delivery options for your TCF card. Call Customer Service or visit any TCF branch for details and applicable fees.

After you have contacted TCF and alerted us to the situation, you may also want to contact one of the three major credit bureaus and discuss whether or not you need to place a fraud alert on your file. This will help prevent thieves from opening a new account in your name:

Equifax
800-525-6285
P.O. Box 740250
Atlanta, GA 30374

Experian
888-397-3742
P.O. Box 1017
Allen, TX 75013

TransUnion
800-680-7289
P.O. Box 6790
Fullerton, CA 92634

You may also want to report all suspicious contacts to the Federal Trade Commission on the FTC website (Identity Theft page) or call 1-877-IDTHEFT

Gift Cards

The TCF Visa Gift Card can be used everywhere Visa debit cards are accepted, including retail stores, online merchants, and for mail and phone orders.
No. The TCF Visa Gift Card is a prepaid Visa card that carries a fixed cash amount determined by the giver at the time of purchase. Each time the gift recipient uses the card, the purchase amount is deducted from the available balance on the card. Funds cannot be reloaded onto the card.

The TCF Visa Gift Card can be used to make purchases everywhere Visa debit cards are accepted, at millions of Visa merchant locations. The TCF Visa Gift Card cannot be used at ATMs or to obtain a cash advance.

To use your TCF VISA Gift Card for online or phone purchases, you must register the card first by calling the number on the back of your card. When you make your online or phone purchases be sure to use the same name, address, and phone number you used when you activated your card. Otherwise, your transaction may be declined.

A TCF account holder may purchase gift cards. You must use your TCF account number and other account information to pay for your purchase and shipping and handling charges.
Yes, but give your card to the station attendant and state exactly how much gas you want to purchase instead of swiping your card at the pump

Yes, but be aware that many restaurants, hotels and other merchants may add an automatic tip or other anticipated service charge to the purchase amount when authorizing card purchases.

TCF may place a hold against the card, reducing the balance for the anticipated purchase amount, which may remain in effect until the actual amount of the transaction is presented for payment on your card. 

If your bill, plus the estimated tip or additional charge, exceeds the balance of your TCF Visa Gift Card, the transaction may be declined. If this happens, ask the merchant to deduct a specific amount from the card and use another method of payment for the balance or tip.

Make sure there are sufficient funds on your TCF Visa Gift Card before making a purchase.  If your transaction was declined, even if there were sufficient funds on your card, please call Customer Service.
You may need to present your TCF Visa Gift Card at the time of a merchandise return. If the merchant's return policy allows, the merchant will credit the amount of the purchase back onto your Gift Card. Remember to save your receipts and the Gift Card even after you have spent all the funds in case there are any merchandise returns.
Yes. The initial minimum value the TCF Visa Gift Card can have is $10 and the maximum value is $500.
The Card and underlying funds expire on the "Good Thru" date as shown on the front of the Card.
Keep your card, even after the balance is depleted, in case you need to return any purchased items. You may be asked to present the card when returning items purchased with the card.
Report lost or stolen cards immediately by calling the Customer Service number located on the back of your Card or within your Terms and Conditions. You will need to have the card number to cancel the card and have a replacement card issued. Keep a record of your TCF Gift Card number in a safe place, separate from the card. A $15 card reissue fee applies. See your Terms and Conditions for further detail.

Yes. See the schedule of fees below.

Initial Card Purchase

$4.95

Monthly Inactivity Fee*

$5.00 per month following 12 consecutive months of inactivity

Card Reissue Fee

$15.00 regular mail

$30.00 express mail


* Activity is defined as any action that results in an increase or decrease of the funds underlying the Card. It does not include the imposition of a fee, a failed transaction, an adjustment due to an error, or reversal of a prior transaction.

There is a monthly inactivity fee for the Card and other fees relating to the use of the Card. The monthly inactivity fee is applied after 12 consecutive calendar months of inactivity. No more than one inactivity fee will be charged in a calendar month. All fees will be deducted from the Card balance.

Year End Interest and Tax Reporting

Interest from each account with the same Taxpayer Identification Number (TIN) is reported to you on IRS form 1099-INT.
All 1099 INT forms will be mailed by January 31 of each year.
The dollar value of any special promotion or premium is considered paid interest if the value of the premium is $10 or more.
Deposit contributions made between January 1 of the previous year and April 17 of the current year for IRA and Roth plans will be reported to you on IRS form 5498 by May 30 of the current year.
Call Customer Service or visit your local TCF branch can correct your address and order a duplicate / replacement statement the same day.
The interest earned on your cashed savings bond/coupon is reported on IRS form 1099 INT. TCF, in general, does not report interest of less than $10 for a Taxpayer Identification Number (TIN).
Report the error to your local TCF branch office. The branch personnel will make the corrections and send you a corrected 1099 INT statement.
TCF withholds taxes on interest earned if you have not provided a Taxpayer ID Number (TIN), the TIN has not been certified or the IRS has directed TCF to do so.
Direct deposit items are available immediately. U.S. government checks are available the next business day following the deposit. Non-local checks are available on the 5th business day following the deposit.

According to IRS regulations, interest must be reported whether or not it is actually posted to the account. To simplify year-end reporting, TCF chooses to pay the interest into the account at year-end.

All interest bearing Checking and Savings accounts pay interest earned on normal statement cycle dates. Interest is paid through December 30 on all interest bearing checking accounts. Savings accounts will be paid interest through December 31.

You can check on the status of your refund at www.irs.gov.
(TDD) 1-800-343-6145 or 612-339-3075 in the Twin Cities.

Accessibility

TCF is committed to providing persons with visual impairments access to its products and services. All employees with customer contact can assist any person with visual impairments, customer or non-customer, within all TCF branches.

TCF provides the Talking ATM feature at all of TCF ATMs. Talking ATMs deliver audio information through any standard personal headset (3.5mm), making it possible for people with visual impairments to use the ATM while ensuring their security.

To find a Talking ATM, customers can use our ATM locator, ask a TCF Representative at any TCF branch, or contact Customer Service.

Customers may use their own headset (3.5mm jack) to access the Talking ATM or request one from us at no charge. To request a headset, call Customer Service or visit a TCF branch.

Auxiliary aids and services include the following:
  • Alternate statement formats and other printed material.
  • TCF offers bank statements and legally required communications in Braille, large print and audio CD format. If the customer requests a copy of a printed document other than a bank statement or legally required communication, TCF will determine if there are any other effective means to communicate the information. This might mean having the document converted to Braille, large print or audio format.
  • TCF offers Sight (raised-line) Checks for customers who are visually impaired. Sight Checks are larger checks (8 1/2 inches wide by 3 inches tall) with bold lettering and raised text and lines.
  • To order Sight Checks, customers can call Customer Service or talk to a TCF Representative at any TCF branch. Customers enrolled in Online Banking can also order Sight Checks by selecting the Services tab in Online Banking.
  • An alternative to Sight Checks is Online Bill Payment and check-writing assistance by branch staff.
  • A hearing impaired Customer Service phone line: (800) 343-6145 or (612) 339-3075 if calling from a Twin Cities metro area code.
We are committed to creating a satisfying and meaningful online user experience for people with disabilities. Online accessibility features include:
  • Screen reader applications. TCF's website is designed to be screen reader friendly. Screen reader users can usually navigate our website using the tab and arrow keys or keyboard shortcuts.
  • Skip navigation. Screen reader users can use this option to skip the main, side, and footer navigation links and directly view the main content of any page for ease of use.
  • ALT Tags in graphics. All our graphics have ALT Tags describing the respective image. This allows persons with physical or technical limitations to collect the information provided by the image.
  • Adjusting browser text size and color. Your internet browser allows you to change the accessibility setting to adjust the text size. To adjust the text in most browsers, please try the following instructions: Go to Tools -> Internet Options -> Click Accessibility -> Check Ignore font sizes specified on Web pages -> Click OK. The browser will then respond to the View -> Text size changes.
  • Captions for deaf individuals. Shown within each video or below each video will be a PDF script giving individuals with hearing disabilities the ability to read video scripts.
  • Minimized screen flicker frequency. TCF's website has little video, flash, or moving on-screen presentations to minimize flicker, movement, or rotations and is designed to avoid causing the screen to flicker with a frequency greater than 2 Hz and lower than 55 Hz.

If you have any questions, suggestions, or complaints about accessibility at TCF, call Customer Service or visit a TCF branch to talk to a TCF Representative.