Online bill pay

If you’re new to digital banking, you need to enroll in online bill pay before paying bills within the pay and transfer tool.

To enroll in online bill pay, go to pay & transfer, click on the bill pay enrollment tab, click enroll now and select the account you’d like to be your default funding account.

Log in to digital banking and select pay a bill/transfer money, then follow the onscreen prompts to quickly make a one-time or recurring payment to a recipient you’ve already set up.

You can also pay bills from pay & transfer in the navigation bar.

  • Select create & view, then choose pay a bill/transfer money.
  • Follow the prompts to fill in payment information: the recipient, the account the money will come from, the amount and the date you want the payment delivered.
  • Your payment will be scheduled as a one-time payment by default.
  • If you would like this payment to be recurring, move the recurring payment setting to on.
  • Click continue and make any notes if you choose. Follow the prompts until you see the success notification.

To make a recurring payment, go to pay & transfer and select create & view. Choose pay a bill/transfer money, select the recipient and continue through the payment information. Once you’ve chosen a delivery date, move the setting for recurring payment to on and fill in the recurring payment information, then click continue.

Follow the prompts until you see the success notification.

In create & view, you’ll be able to see the next scheduled payment only. Once that payment has processed, you will see the next recurring payment scheduled.

You can view a list of upcoming scheduled and pending payments by going to pay & transfer and selecting create & view. To see recently processed payments, go to pay & transfer and select history. Click on any transaction to view further details.
When you create a payment, the date field will show you the earliest date your payment can be delivered with no fee. Click on pick another date to select other date options.

If you need a bill to arrive faster than the standard delivery time, you may have the option of using express bill pay. Some recipients are able to accept same-day payments while others have overnight delivery as their fastest option—the earliest available date will appear with its pricing before you submit the payment. While there is no fee to use bill pay with a standard delivery payment, there is a fee to use express bill pay.

If express bill payment does not appear as an option, then it's not faster than standard delivery, so we don't offer it.
Almost any bill can be paid online, including to a company or a person within the U.S. However, you can’t make payments for gambling, drugs, tobacco or any illegal purpose. Also, you can’t make a tax or court-ordered payment. If we detect a payment error or if the payment appears to be related to fraud, we may refuse to make the payment.

More than 70,000 billers are already set up in digital banking. You can search for your biller – if that biller’s already set up, you’ll only need to enter a few details, such as the billing account number you have with them.

You may also pay certain companies via e-bill. An e-bill is an online version of a paper bill that’s sent directly into your digital banking account. After you add a company as a recipient in pay & transfer, if the company offers e-bills it will display an option to activate e-bills. If you’d like to activate e-bills for that company, select the option and follow the prompts. Once e-bills are activated (which may take up to 60 days), you’ll be able to see the bill within digital banking, and you can set up rules to automatically pay the bill. Once you have begun receiving e-bills, you will no longer receive paper bills from that company.

You can pay almost any biller using pay & transfer. Add a new recipient by choosing pay & transfer and selecting manage recipients. Choose add recipient, then add a biller to pay. You’ll need the account number you have with them (for example, your utility bill account number).

Once you have entered and saved the new recipient, click the schedule button and fill in the information: the recipient, amount, account the money will come out of and date you want the payment to process, and make any notes if you choose.

Please double check the recipient information you enter to make sure it’s accurate. Mistakes may cause payments to be misdirected, delayed or missed. Click continue and follow the prompts until you see the success notification.

After you have the recipient set up, you can pay bills quickly when you log in. Just click on pay a bill/transfer money and make a payment to one of the recipients you’ve already set up.

You can pay any company or a person using online bill pay.

An e-bill is an online version of a paper bill that’s sent directly into your digital banking account, and is offered only by certain companies.

To set up a person in bill pay:

  • Go to pay & transfer and select manage recipients. Choose add recipient and then add a person to pay.
  • Enter the individual’s name, address and phone number, then save.
  • Select the create & view tab.
  • Click pay a bill/transfer money, select the person’s name from the recipient list and then follow the prompts to fill in payment details: the account the money will come out of, the amount and the date you want the payment to process.
  • If you want to set up a recurring payment, move the recurring payment setting to on and fill out the fields to indicate the frequency of recurring payments.
  • Click continue, make any notes if you choose, and follow the prompts until you see the success notification.

After you have the person set up as a recipient, you can pay them anytime by selecting pay a bill/transfer money and following the prompts.

You can only set up e-bills for billers you’ve already entered as a recipient in pay & transfer. To see which of your billers offer e-bills, select pay & transfer and click on manage recipients. Select a recipient to see the e-bill activation status.

Once e-bills are activated (which may take up to 60 days), you’ll be able to see the statement within digital banking, and you can set up rules to automatically pay the bill.

If the payment has not yet processed, you can cancel or change it. If the status is pending or processed, you cannot cancel the payment. If its status is scheduled, click on the payment in the list view and details will appear, including buttons with the option to delete or change the payment.

For e-bills, you have several options for when to have the payment for the bill delivered, including before the due date, on the due date or as soon as you receive the bill within digital banking.

For other payments, you choose when to have the payment delivered. You can schedule the delivery of a payment to happen on a specific day in the future. The payment date field in the calendar will show you the first available date for payment delivery.

Make sure you have enough funds available in your account on the scheduled payment date.

Export allows you to select a file type for downloading your account data. For example, you could export data into a PDF, an Excel file or a specific file type that’s used with accounting software, such as Quicken or QuickBooks.

You can also download a PDF and save an item, such as a bill payment confirmation, a transaction, budget information and more. Under pay & transfer, select the create & view tab, click on the name of the transaction you want to save and click on the button download.

Yes. We have established a Secure Socket Layer (SSL) connection between every mobile device and a secure server, so payments are safely delivered for processing and are not stored on the device.

If you’re trying to find a certain bill payment, there are a few ways you can search your data in the pay & transfer section of digital banking.

  • Select pay & transfer and click create & view to see the list of current and upcoming payments.
  • Select pay & transfer and click history to see the list of payments from the past 6 months.
  • In either location, scroll down the list to find the payment.
  • Click on the calendar icon to search by a date range.
  • Click on the search by field to enter a keyword, amount, destination, source or payment status.
  • Only checking and money market accounts can be used to make bill payments in the pay & transfer feature. Money market accounts have a limit of six transfers and withdrawals, including bill payments, per month or monthly statement period. A fee applies for transfers and withdrawals exceeding this limit.
  • You must be 18 years old or older to enroll in and use bill pay services
  • If you start using digital banking with a U.S. address and change to a non-U.S. address, you’ll be un-enrolled from bill pay.
  • Use of pay & transfer requires a valid U.S. address and payments and transfers can only be made within the U.S., Puerto Rico and the U.S. Virgin Islands.

You can create and save a template of payments. This is ideal if you pay the same bills each month and prefer to do so manually (not recurring). Before you can use this function, you need to set up the recipients you want to pay. Once recipients are set up, go to the pay & transfer tab.

  • Select pay multiple.
  • Select the recipient, the account you want to fund the payment, the date and the amount of the bill. From the dropdown menu, select save as new template, name the template and select save.
  • The next time you go to pay multiple, you can select the saved template and pay those recipients more quickly.

Transfer funds

First, you’ll need to enroll in our bank-to-bank transfer service. In digital banking, go to Pay & Transfer > Bank-to-bank Enrollment and follow the prompts. Once enrolled, you can add your non-TCF account as a Pay & Transfer recipient.
In digital banking go to pay & transfer, then select manage recipients. Click on add recipient, then select add a non-TCF account to transfer funds. We will send a verification code to your email address; you’ll need to enter the code onscreen in order to continue. Once you’ve entered the code, follow the onscreen prompts.
You’ll need your routing and full account number in order to set up your non-TCF account.

To activate your non-TCF account for transfers, please enter the amounts of the two deposits that were credited to your account from TCF Bank with the description of “TRIALCREDT.” It can take up to 48 business hours for the credits to appear.

When you see the two amounts in your non-TCF account, log in to digital banking and go to pay & transfer > manage recipients. Click on your non-TCF account and then select activate and enter the amounts. An email will also be sent to you with detailed instructions.

No. There is no specific order; the amounts simply need to both be correct to complete activation.
Log in to digital banking and click on pay a bill / transfer money, then complete the information for your transfer. You can also go to pay & transfer > create & view and click on pay a bill / transfer money.
It takes 3 business days to move money from one bank to another. The delivery date you select is the estimated date the funds will arrive in the account that will be credited.  The withdrawal date shown for the transfer is the date the funds will be withdrawn from your account. This is a transaction with another financial institution, so we can’t account for rules or delays that could be applied by that financial institution. See more here.
There are no fees to use this service.
Currently there is no quicker option for bank-to-bank transfers.
Bank-to-bank transfers are intended for accounts that you own. To transfer money to another person, we recommend using a third-party money transfer app. Click here for more information. 
First, make sure you’ve waited at least 3 business days from the date you scheduled. Next, check your email accounts for any emails from TCF about your transfer. Then, if needed, call us for help at 800-823-2265.
Each customer who enrolls in bank-to-bank transfers needs to have their own unique email address. If needed, you can change your email address in digital banking by going to Settings > Profile > Change contact info.
Limits for bank-to-bank transfers are listed within digital banking when you are scheduling a transfer.
You must be 18 or older to use this service.
You must have a valid SSN to use this service.
At this time, only consumer checking and savings accounts are eligible for bank-to-bank transfers.
You must have a U.S. address to use this service.

If you want to transfer money one-time immediately, log in to digital banking and select quick transfer, then complete the information for your transfer.

If you want to schedule a future one-time or recurring transfer, select pay & transfer and then create & view. Click on pay a bill / transfer money, then complete the information for your transfer.

When you schedule a transfer, you choose the day you want the funds to transfer from the dates shown in the date field. You can transfer funds immediately or at a future date.

 

If the transfer has not yet processed, you may cancel it or change it. The system will indicate if you can cancel it or not. On the left, you’ll see the status of your transfer – either processed, processing or scheduled. If it’s processed or processing, you can’t change it. If its status is scheduled, click on the transfer in the list view and details will appear, including buttons with the option to delete or change the transfer.

Digital banking suggested topics

How do I set up fingerprint ID?
Learn how

How do I lock or unlock my debit card?
Learn how

How do I start using digital banking?
See tips

How do I enroll in digital banking?
Learn more

I forgot my password or login ID.
Learn more

How do I make a mobile deposit?
Learn more

How do I enroll in online statements?
Learn more

How do I get push notifications?
Learn more

Have a question?

connect with us on twitter
Tweet us @TCFCares
Your Location
Personalize your banking experience by entering your location.
ZIP code is required.