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University of Minnesota Duluth

TCF U Card Student Checking Account Next Steps

Thank you for choosing to bank with TCF Bank! The following steps outline what you need to do to activate your checking account and familiarize yourself with using it. There's a lot you will have to do before classes begin, so take some time now to ensure your account is ready when you need it.

Get your free UMD sweatshirt.

Visit TCF Bank inside the UMD Kirby Student Center to receive your FREE UMD sweatshirt. Bring your deposit of at least $25 (if you haven't already made an opening deposit) to receive your sweatshirt on the spot. Be sure to bring your photo ID or account number and your sweatshirt coupon.

Enroll in online and mobile banking

Use the PIN you selected when you opened your account (if you didn't create a PIN, one was mailed to you) to enroll. Follow the steps to set up your account. Once completed, select the "Mobile Banking" tab and enroll. Download the TCF Bank mobile app for your smartphone and/or tablet.

More about enrollment and mobile security.

Activate your TCF Debit Card.

Once you receive your TCF Debit Card, follow the instructions on the card to activate. Use your new TCF Debit Card everywhere Visa® is accepted and at ATMs.

Set up direct deposit for financial aid or payroll.

For payroll direct deposit, contact your employer’s HR office and request the form. For financial aid, visit the UMD One Stop Office located in the Solon Campus Center, or log in to your my UMD student account at and follow the instructions for direct deposit. You will need your checking account number and TCF Bank’s ABA routing number, 291070001.

Complete TCF Bank's free online Financial Education course.

Enhance your money management skills in college and beyond.