Frequently asked questions

TCF Bank and Chemical Bank share a lot in common, especially our dedication to helping customers achieve their financial goals. Together, we can bring the best that both banks offer to improve your banking experience.
It remains banking as usual. We remain committed to providing you with an industry-leading banking experience. The combination of our two complementary companies will enable us to accelerate our investment in technology and deliver an even better customer experience.
For now, everything remains business as usual. We will provide you with more information in the coming months if there are changes to how you bank with us. Our goal, as always, is a seamless process for you and all of our customers.
Not immediately. We will bring our banking technology together in 2020. Once this is complete, we will contact you directly about any changes to how you bank with us and the next steps.
For now, it remains business as usual and your day-to-day contact(s) does not change. Throughout this transition, you’ll continue to see the same smiling faces and receive the same personalized, high-quality service you’ve come to expect from us.
No. There is no change to your loan account number at this time, and the interest rate and payments on your loan will remain the same. You should continue making payments in accordance with the terms of your loan agreement. We will communicate any future changes in advance.
No. If you applied for a loan at Chemical Bank, the loan will continue to be processed, but the loan will close and fund in the name of TCF Bank after the merger occurs. Specifically, loans will close as “Chemical Bank, a division of TCF National Bank.”
We will notify you in advance of any change in who is servicing your loan.

Under FDIC rules, funds on deposit at TCF Bank and Chemical Bank at the time of the merger will temporarily continue to be separately insured by the FDIC up to the $250,000 per account ownership category at each bank. This treatment will continue for six months following the merger on August 1, 2019, except for Certificates of Deposit (CDs) and most Individual Retirement Accounts (IRAs) which have special rules that are explained below. This six-month period allows you the opportunity to examine and restructure your accounts to meet FDIC insurance guidelines, if needed.

CDs and most IRAs will continue to receive the separate deposit insurance coverage described above until the first maturity date on or after February 1, 2020. CDs and IRAs that mature between August 1, 2019, and February 1, 2020, and are renewed for the same dollar amount and term will continue to be separately insured until the first maturity date after the six-month period. CDs and IRAs that mature during the six-month period and are renewed on any other basis (different term or for a different amount) will be insured separately through February 1, 2020.

If you have any questions about your FDIC insurance, set forth below are some resources:
  • Call the FDIC toll-free at 1-877-ASK-FDIC
  • Refer to the FDIC website for additional details at www.fdic.gov

Yes. TCF Bank customers can now use Chemical Bank ATMs for fee-free withdrawals. Right now, access to these additional locations is limited to ATMs for cash withdrawals only. If you'd like to make deposits, print mini statements, or do other transactions, please continue to visit your local TCF Bank branch.

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