® Base Account An affordable account with digital banking, direct deposit and more, with no overdraft fees possible.
Don’t stop now! Please provide your ZIP code to see if this product is available in your area. Edit ZIP
Never have an overdraft or non-sufficient funds (NSF) fee. If there’s not enough available money in your account to cover a transaction, the transaction will not be paid.
Digital banking with a mobile app lets you deposit checks anytime using your phone, use online bill pay and customize balance alerts.
Instantly lock your debit card if you lose it, right from your phone or computer.
Free withdrawals at TCF ATMs.
Free online statements.
Free, instantly issued debit card with tap to pay and fraud alerts to help keep your money safe. Pay with your phone using
Apple Pay, ® Google Pay™ or Samsung Pay. Checks not available with this account. However, money orders and official checks are available,
$4 monthly maintenance fee, other fees
may apply. $25 minimum opening deposit.
No minimum balance required.
Other fees, including paper statement and dormancy fees,
View a summary of Base Account’s most common fees and terms here.
Base Account includes
Online and mobile banking
Check your account balance, deposit checks, transfer money and
quickly and easily, no stamp required.
Free withdrawals at TCF ATMs
More about your account
The time of day and type of deposit affect when your funds are available.
Find your routing number with the help of this guide.
Other ways to manage your money
Use our mobile app to quickly view your account balance, deposit checks, get alerts and pay bills.
Secured Visa ® Card
Get the credit card that helps you to start fresh by building or rebuilding credit.
Free financial education
TCF Financial Fitness Program has free, online courses to help you improve your financial know-how and gain confidence in your financial knowledge. Start now
Back to top
Personalize your banking experience by entering your location.
ZIP code is required.
Or use current location