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Personal Pay Day Checking

TCF Personal Pay Day Checking

TCF Personal Pay Day Checking is an interest-earning account with special benefits for employees of your business.

Stop by any of our convenient TCF locations to open an account.


  • NO Monthly Maintenance Fee
  • NO Minimum Balance Requirement
  • NO Monthly Debit Card Fee



Earns Interest



Plus, TCF Personal Pay Day Checking Offers

  • FREE Travelers Cheques
  • FREE Notary and Signature Guarantee Services
  • FREE Check printing2
  • Fraud protection with Zero Fraud Liability*
  • FREE TCF ATM  transactions, plus 2 FREE (no TCF fee) withdrawals conducted at in-state non-TCF ATMs per statement cycle

FREE transactions at TCF Bank ATMs, plus two FREE transactions conducted at non-TCF ATMs inside the U.S. per statement period.5

Higher Yields on Certificates of Deposit3
Get an extra 1/4% interest bonus over prevailing Certificate of Deposit rates.

Lower Rates on Consumer Loans4
Get a 1/4% interest rate discount on TCF standard interest rates.


Qualifying Withdrawals Include:

Designed to give you more control, more services, and more freedom TCF offers checking accounts FREE of monthly maintenance fees if you do a little business with us. Qualifying withdrawals include:

  • Check Card Recurring Payments
  • Point of Sale Purchases (using PIN)
  • ACH Automated Withdrawals
  • Inclearing Checks
  • Converted Checks
  • Bill Payment Items
  • Check Card Purchases
  • Does NOT include: ATM Withdrawals or In-Branch Withdrawals

With flexible checking and savings accounts, TCF can meet the demands of your growing business, no matter what the range of your needs. To open an account, visit a TCF Bank location.


Please note that TCF’s standard account service charges will apply. These charges include, for example, fees for overdrafts and returned items (NSFs), shipping/handling/applicable taxes on check orders, dormant accounts, and other optional services.  Free check images are available through TCF’s online banking service; a monthly fee applies when you request to receive check images with your mailed statements. Talk to a TCF Representative for more information.

*TCF provides zero fraud liability for unauthorized use of your card. Zero fraud liability does not apply to certain commercial transactions made with a business debit 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.

1Minimum balance may be required to earn interest. 2Customer is responsible for shipping, handling and applicable taxes. TCF retains a portion of this fee. 3The CD rate special offers are an increase in the prevailing rate payable by TCF on Certificates of Deposit (excluding Jumbo CDs) for the same amount and term as in effect at time of opening. Not available on non-personal accounts. There is a substantial penalty for early withdrawal from certificates, and fees could reduce earnings. 4Get a 1/4% interest discount on TCF Real Estate Secured Loans. The 1/4% off the normal interest rate on TCF Home Equity and Consumer loans is for the same amount and term as in effect at the time of the loan. Payment on the loans must be made electronically through the Automated Clearing House from a TCF Checking or Savings account to be eligible for the discount. The discount cannot be used in conjunction with any other promotional rate offers. Not all consumer loans are eligible for this discount and it does not apply to extensions or renewals. Current rates are subject to change without notice. Loans are subject to approval. 5 No TCF fee.  The owner or operator of the ATM may charge a fee.  An international service fee will apply to transactions conducted outside the U.S.


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