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
Other disclosures and agreements:
You usually need a routing number when you enroll in automated services, such as direct deposit. A routing number speeds up the processing of debits and credits between financial institutions.
The best way to see your account number and routing number is within digital banking by going to Accounts & Statements, selecting the account name and choosing > View Account Details.
You can also see your account and routing numbers by looking at a check. See the example below:
If neither of these options is available, use the chart below to find the number associated with the state where you opened your account.
State | Routing number |
---|---|
State
Arizona
|
Routing number
122106183
|
State
Colorado
|
Routing number
107006444
|
State
Illinois
|
Routing number
271972572
|
State
Indiana
|
Routing number
271972572
|
State
Michigan
|
Routing number
272471548
|
State
Minnesota
|
Routing number
291070001
|
State
South Dakota
|
Routing number
291070001
|
State
Wisconsin
|
Routing number
275071385
|
State
ZEO
|
Routing number
29107000
|
For accounts opened online, use the state specified in your online application. If you have any questions, call Customer Service.
If your card is stolen, call us as soon as possible at 1-800-823-2265 (TTY 1-800-343-6145) so we can help you get a new card.
These transactions are free for TCF customers.
For non-TCF ATMs, the company 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, such as TCF Premier Checking℠. You can avoid these fees by using a TCF ATM.
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.
You can find the fees and services schedule for TCF's most common deposit account products on the Deposit Account Services and Prices Schedule.
You’ll also need business organization documents (which may vary by state or county) as determined by the type of business you own, for example:
When you see payment terminals with the universal contactless symbol, tap your card and follow the directions to complete the transaction.
Your chip-enabled card can be used anywhere Visa cards are accepted in the U.S. and around the world. If a merchant has a chip-enabled payment terminal, you will insert your card during the transaction. In the U.S., you will still be able to swipe your card to make your payment if a merchant has a regular payment terminal. You will need a PIN to be able to make a transaction at an ATM.
You can get a chip-enabled debit card instantly at any branch or by calling 1-800-823-2265 (1-800-343-6145 TTY). If you open an account online, your card will be mailed to you. Once it arrives, be sure to activate it and sign the back.
Yes, you can use your chip-enabled card to make purchases everywhere Visa is accepted, but chip technology isn’t used during these types of transactions.
Yes. Depending on the type of ATM, you might be able to tap your card or you might be prompted to insert your card. Leave the card in the ATM until the transaction is complete and the card is released. Then remove your card and any money you might have withdrawn.
If your debit card is lost, log in to digital banking, select My debit cards and move your setting for the lost debit card to locked. If you find your card, log in and move your setting to unlocked.
If your debit card is stolen, call us as soon as possible at 1-800-823-2265 (TTY 1-800-343-6145) so we can help you get a new card.
No. Chip cards won't prevent the types of data breaches that have hit some merchants, but they do make it difficult for fraudsters to produce counterfeit cards from the stolen data.
Merchants may offer a cash back option if you enter your PIN to complete the debit transaction. Select debit as your payment type, enter your PIN and follow the instructions on the merchant’s payment terminal to receive cash back.
Remember, not all merchants provide a cash back option.
You may have more than one contactless payment card in your wallet. For example, some transit cards have contactless capabilities. When you use a contactless card for payment, be sure to remove that card from your wallet and hold it directly in front of the payment terminal to ensure the right card is charged. Waving your wallet at the terminal could result in the wrong card being charged.
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.
Use any of the following methods to change your address:
Digital banking
At branch
Visit any TCF branch and a team member can help.
You can request a stop payment on a check using one of the methods below:
When requesting a stop payment, you will need to provide the following:
Fees apply. Stop payment requests are not available for all check types. See the Terms & Conditions for Checking and Savings Accounts for more details.
If you authorize an electronic payment or withdrawal directly from your account, it will be sent using a nationwide payment network called ACH. The ACH payment network system allows payments to be withdrawn from your account earlier than the scheduled payment date. For example, if you schedule your payment to occur on the 15th of the month, but it happens to fall on a holiday on a Monday, the payment could be withdrawn the previous Friday.
Please make sure you have sufficient available funds in your account earlier than the scheduled payment date to avoid any overdrafts or returned payments.
Yes, for added security we monitor your account activity. If we suspect that a transaction might be fraudulent, we’ll contact you by phone or email, or we’ll text you if you’re enrolled in digital banking and have given us your mobile phone number. We’ll decline transactions we believe to be fraudulent.
If you don’t want us to text you, reply STOP to the text message. If you want to opt out of phone or email notifications, please call us or visit a branch. When we contact you, we’ll never ask for personal information, your login ID or password. If you’re suspicious of any email, text or message you receive that appears to be from use, please call 800-823-2265 (TTY 800-343-6145). For more information about fraud alerts by text, visit tcfbank.com/fraudalert.
Payment timing varies by recipient, because delivery dates are based on how payments are delivered. If your recipient is able to receive electronic payments, it takes about two days to receive your payment. If we have to send a check, it could take up to four days for your recipient to receive your payment. The recipient's lead time, which is the amount of time your recipient requires to process a payment, may also vary.
TCF’s online bill pay tool includes a timeline with a smart calendar, which can help you determine when to schedule a payment based on that recipient’s delivery method and lead time. Once you enter the name of your recipient, the earliest possible “deliver by” date will show.
Please check with your recipient for exact details on how payments are credited.
An e-bill is an electronic version of your paper bill that you can elect to receive directly within digital banking under the Pay & Transfer tab. You can then view your entire bill and pay immediately or schedule future payments directly.
E-bills are available for many recipients and can be set up for only those recipients you choose. Once you have an e-bill set up for a recipient and start receiving it, your recipient may stop sending you a paper bill. Instead, you’ll receive your e-bill directly within digital banking.
It typically takes 1-2 billing cycles for you to begin receiving your bill online.
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. To read the full definition, visit the Terms and Conditions for Checking and Savings Accounts, go to the “General Definitions” section and view “available balance.”
For more information about how deposits and withdrawals affect your available balance, visit our page about funds availability.
Electronic payments from your account, or ACH, include payments where you give the biller your account and routing number. Examples include when you pay a recurring utility bill or a one-time medical bill straight out of your account.
If your available balance is negative or would become negative when we receive the payment request, it’s up to our discretion to pay it. You’ll be charged a $37 fee for an electronic payment that’s returned unpaid or a $37 fee for a payment that’s made for more than your available balance.
You will not be charged an overdraft fee if your account is overdrawn by $5 or less at the end of the processing day, or if the item amount is $1 or less.
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. You can change your election by phone, online, at a branch, by mail or at certain TCF ATMs:
Write to:
TCF Bank, Attn Customer Service
1405 Xenium Lane N, OPS-SD-G
Plymouth, MN 55441
The written request should include your name, address, date of request, account number(s) and overdraft decision.
Whatever you decide, you can change your mind later.
“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 will only pay your overdrafts on ATM and everyday debit card overdrafts if you opt in to overdraft services.*
Federal regulations require banks to get your permission before authorizing ATM and everyday debit card overdrafts that would cause your balance to become negative and incur a fee. This is called “opt in.” If you opt in, if your balance would become negative at the time of a transaction. It is TCF’s discretion to authorize or not authorize that transaction. TCF will charge a fee for any transactions that result in a negative balance (overdraft).
You provide your opt-in or opt-out election initially at account opening, which will then apply to all ATM and non-recurring debit card transactions you make. You can change your election at any time.
If you opt out, you may avoid unexpected fees on your account. However, your ATM and everyday debit card transactions (e.g. a purchase at a retailer) will be declined 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.
Learn more about your overdraft options.
Checks, electronic payments (ACH), recurring debit card transactions and transfers are always opted in, meaning you’ll be charged a fee if TCF pays or returns any transaction that exceeds your available account balance.
Learn more about your overdraft options.
Initially, your decision is made when you open your account. You can change your election by phone, online, at a branch, by mail or at certain TCF ATMs:
Write to:
TCF Bank, Attn Customer Service
1405 Xenium Lane N, OPS-SD-G
Plymouth, MN 55441
The written request should include your name, address, date of request, account number(s) and overdraft decision.
Whatever you decide, you can change your mind later.
As provided by the Fair Credit Reporting Act, you must submit a notice of dispute to us. The notice of dispute must contain the following information:
Call us at 1-800-TCF-LEND (823-5363) for a updated payoff information.
For a written payoff information, fax your request to 763-337-8564. Please include the following:
If the property has been sold, include the borrower’s new mailing address for efficient refund processing. Payoffs sent to third parties will be subject to a $25 fee.
The term "phishing" comes from the way in which internet scammers "phish" for your personal financial information. This involves sending fraudulent emails, text messages or messages on social media 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, text or social message 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 message 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, text or social message 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 message 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 or topic of the text or social message 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. Any text or social message claiming to be from TCF Bank that asks for customer information should also be deleted. Please call us at 1-800-TCFBANK (823-2265) or 1-800-343-6145 (TTY) to report the suspicious message.
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.
The fastest way to get a new card is to visit any TCF branch and request an instantly-issued debit card.
If you’re unable to visit a branch, call us at 1-800-TCF-BANK (823-2265) or 1-800-343-6145 (TTY) and ask us to mail you a new card. Standard delivery is free, and you’ll have a new card within 7-10 business days. We also have expedited and rush delivery options available. We can explain details and applicable fees for these options.
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 suspicious contacts to the Federal Trade Commission by visiting the FTC website (Identity Theft page) or by calling 1-877-IDTHEFT.
The TCF Visa Gift Card is a prepaid Visa card with the initial card balance 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. It can be used everywhere Visa debit cards are accepted, including retail stores, online merchants, and for mail and phone orders.
To use your gift card to make online or phone purchases, you must first register the card by calling the number on the back of it or visiting visadpsgiftcard.com and selecting activate my card. When you make online or phone purchases, be sure to use the same name, address and phone number you used when you activated your card or the transaction may be declined.
The TCF Visa Gift Card is accepted at most Visa merchants worldwide, with a few limitations:
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.
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.
We are committed to making our products and services available to individuals with disabilities. We provide talking ATMs that meet Americans With Disabilities Act (ADA) requirements. We offer aids and services for customers who have visual or other impairments. We provide a TTY phone number for customer service. Our friendly branch team members will assist any customer or prospective customer, such as by reading important documents aloud and helping customers complete forms.
All of our ATMs offer the talking ATM feature and meet the Americans With Disabilities Act (ADA) height and reach requirements. Talking ATMs deliver audio information through any standard personal headset (3.5 mm jack), which allows individuals with visual impairments to use our ATMs while keeping their account information private. You may use your own compatible headset, or we will provide one for you at no charge. To find an accessible ATM, use our ATM locator, ask a team member at any TCF branch, or contact us at 1-800-TCFBANK (823-2265) or 1-800-343-6145 (TTY). If you need a headset, ask a team member at any TCF branch, or contact us at 1-800-TCFBANK (823-2265) or 1-800-343-6145 (TTY).
We know that accessibility is important, and that our customers with disabilities may have other needs. If you have any questions or concerns about accessibility at TCF, call us at 1-800-TCFBANK (823-2265) or 1-800-343-6145 (TTY), or visit a branch to speak with a TCF team member.