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TCF Free Checking® account

A convenient, free checking account without the hassle of a minimum balance. Plus there’s no monthly fee for active accounts with online statements. Other fees may apply.

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  • Digital banking with a mobile app and online bill pay.
  • Protect your money by instantly locking your TCF® Debit Card, right from your phone or computer, if it's lost.
  • Free withdrawals at TCF ATMs.
  • Free, instantly issued debit card with tap to pay.
  • Pay with your phone by linking your free checking account to a mobile payment app, such as Apple Pay®, Google Pay and Samsung Pay.


  • No monthly maintenance fee or minimum balance requirements.
  • $25 minimum opening deposit.
  • Other fees, such as paper statement and dormancy fees, may apply to free checking accounts.
  • View a summary of Free Checking’s most common fees and terms here.

Adding an optional Free Savings account gives you a separate place to build your savings, with no monthly fee. Excessive withdrawal and other fees may apply to Free Savings accounts. Limit one account per person.

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