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.

• TCF Free Checking
• TCF Free Student Checking
• TCF Premier 62+ Checking
• TCF Premier Checking

• Arizona
• Colorado
• Illinois
• Indiana
• Michigan
• Minnesota
• South Dakota
• Wisconsin

• Arizona
• Colorado, Minnesota, South Dakota
• Illinois, Indiana, Michigan, Wisconsin

• Arizona
• Colorado, Minnesota, South Dakota
• Illinois, Indiana, Michigan, Wisconsin

• Digital Banking Agreement
• Online Banking Glossary
• Overdraft Protection Line of Credit Agreement
• Overdraft Protection Transfer Service Agreement
• Privacy Policy
• Terms & Conditions for Certificate of Deposit Accounts
• Terms & Conditions for Checking and Savings Accounts
• Terms and Conditions for Premier Checking Plus Accounts and Miles Plus Rewards Program
• Terms and Conditions for Visa Gift Cards
• What You Need to Know About Bank Service Charges and Overdrafts
• What You Need to Know About Overdrafts and Overdraft Fees

There are several ways to access your account information.

With TCF Online & Mobile Banking you can:

• Check your balance.
• View transaction history.
• Enroll and view online statements.
• Transfer money between accounts.
• View images of cleared checks and deposit tickets.
• Reorder checks.
• Download the TCF Mobile App for your iPhone, iPad and Android smartphones and tablets.
• Set up customized alerts for balance and transaction thresholds.

With Online Bill Pay you can:

• Pay bills online quickly and easily, one-time or recurring.
• Set up online alerts to help remember due dates.

With our automated TCF Phone Banking service you can:

• Activate a new card.
• Check your balance.
• Hear last 60 days of pending and posted transactions in chronological order.
• Transfer money between accounts.
• Change your PIN.
• Reorder checks.
• Order a statement of transactions since your last monthly statement ($5 fee).
• 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-INT statement..

With our TCF ATMs you can:

• Check your balance.
• Transfer money between accounts that are tied to your card.
• Request a mini-statement ($1.50 fee).

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.

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.

For accounts opened online, use the state specified in your online application. If you have any questions, call Customer Service.

• 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 1-888-784-5296.
• 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 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.

• Arizona
• Colorado
• Illinois
• Indiana
• Michigan
• Minnesota
• South Dakota
• Wisconsin

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 available 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 available 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.

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.

Deposits Available
If deposited before: Branch closing time; or 10 p.m. Central Time at a TCF ATM, or using TCF's digital, mobile or phone banking services.

• Cash deposits with a teller.
• Direct Deposits.
• Wire transfers.
• Transfers from another TCF deposit account.
• Cash deposits at a TCF ATM that do not require a deposit envelope.
• First $250 of all checks deposited with a teller or using mobile deposit.

New checking customers(accounts opened 30 days or less)
The $250 same business day check availability does not apply. Your deposited checks will be available funds on the fifth business day after the day of deposit. We may, in some cases, shorten this time period.

• Checks written from TCF accounts.
• Deposits made at a TCF ATM.
• U.S. Treasury Checks.
• U.S. Postal money orders.
• Government checks and cashier's checks deposited in branch (upon request).

• All other checks deposited (if not already available), unless there is an exception.

What's considered a business day?
Weekends and most holidays are not business days, so a deposit made on a non-business day will post on the first business day after the deposit was made.

Deposits after 10 p.m. CT
If you make a deposit after 10:00 p.m. Central Time at a TCF ATM or using TCF’s digital, mobile, or phone banking services, add one business day to the schedule above.

What’s the timing for savings accounts?
Savings accounts have a different schedule. Please see the Funds Availability Schedule and Disclosures section of the Terms & Conditions for Checking and Savings Accounts.

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.

• Arizona
• Colorado
• Illinois
• Indiana
• Michigan
• Minnesota
• South Dakota
• Wisconsin

A chip-enabled card - also called a smart card or an EMV^™ card - is a debit or credit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions.

These cards, already in use in much of the world, use a security standard originally developed by Europay, MasterCard and Visa (EMV) as a way to fight card fraud resulting from theft, skimming and counterfeiting.

Yes. Chip-enabled cards add an additional layer of security to the safeguards that already protect your card. Each time you use your chip-enabled card at a chip-enabled payment terminal, a unique code is generated for that transaction. This makes it hard for fraudsters to get it and use.

Look for a chip-enabled payment terminal.

For merchants without chip-enabled payment terminals, swipe your card as usual. Chip technology won't be used to process 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.

We will be mailing replacement chip-enabled debit cards to all active debit card holders by Summer 2017. Once your new card arrives in the mail, be sure to activate it and securely destroy your old card.

You can use your current card until you get your chip-enabled debit card. 

Yes. You still need to sign the back of your card.

Yes. You can use your chip-enabled card to make these purchases as you do today. Chip technology won't be used to process the transaction.

Yes. Depending on the type of ATM, you might be able to wave your card or you might be prompted to re-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 card is lost or stolen, call us at call 1-800-TCF-BANK (800-823-2265), TTY (hearing impaired) call 1-800-343-6145, as soon as possible so we can help.

We will cancel your card to protect your account and help with reviewing your account activity for any charges you don't recognize. We will help by either mailing you a new card through the U.S. mail or locating a nearby branch that can instantly issue a new card for you.

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.

Some merchants that allowed cash back (e.g. supermarkets) had to disable this feature when they started accepting chip cards. We expect that they will allow this feature in the near future. Be sure to let the merchant know that you would like the option to get cash back.

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.

• 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

• Call Customer Service
• Visit any TCF branch and speak with a TCF Representative.

• 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 Free Checking
• TCF Free Student Checking
• TCF Premier 62+ Checking
• TCF Premier Checking

• 291070001 - MN
• 107006444 - CO
• 271972572 - IL
• 272471548 - MI
• 275071385 - WI
• 122106183 - AZ

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.

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.

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.

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.

• 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." This fee is the same, regardless of the amount of the check (and could exceed the amount of the check).

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 Bank, Attn Customer Service, 1405 Xenium Lane N, OPS-SD-G, Plymouth, MN 55441. 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.

“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.

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 Bank, Attn Customer Service, 1405 Xenium Lane N, OPS-SD-G, Plymouth, MN 55441. 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.

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.

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
Mail Code: PCC-2E-P
1405 Xenium Lane N
Plymouth, MN 55441

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

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
Mail Code: PCC-2E-P
1405 Xenium Lane N
Plymouth, MN 55441

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.)

• Make a one-time payment
• Enroll in the service and have access to these additional features:
  • Set up recurring payments.
  • Manage your payments and the sources used to fund them.
  • Review your online payment history.

• For credit line customers, the primary account number (located in the information box at the top right of your loan statement) is displayed as 0991236123456-2998. This should be entered as 09912361234562998.
• For mortgage loan customers, the account number (located in the information box at the top right of your loan statement) is displayed as 099-123-0001234-8001. This should be entered as 09912300012348001.

• Debit card transactions will be processed on the date the loan payment is processed.
• Bank account transactions will be processed against your deposit account according to your bank’s ACH clearing process. Your online payment history will reflect the payment as “In Process” for up to four business days.

• Same day payments must be cancelled by 6:00 PM CT.
• Scheduled or recurring payments must be cancelled by 6:00 PM CT the day before the scheduled payment date.

Find out how many points you have by logging in to your Rewards website here.

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.

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.

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.

• 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.

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

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.

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.

Yes. See the schedule of fees below.

* 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.

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.

• 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.

• 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.