Easily manage money with a ZEO Card

ZEO Prepaid Visa® Debit Card

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Manage your finances easily with a ZEO Card, a reloadable prepaid debit card that lets you stay on budget.

  • FREE cash reloads at any TCF branch.
  • USE with mobile payment services, including Apple Pay®, Google Pay and Samsung Pay.
  • FREE online account management.
  • NO overdraft fees.
Easily add money to your ZEO Card

Easy to add money

  • At a branch: Add cash to your card for free at any TCF branch.
  • Direct Deposit: No fees to set up direct deposit to get your paycheck, government funds (tax refunds, benefits) and other money added to your card quickly.
  • Visa ReadyLink: You can also add cash at any Visa ReadyLink. Find locations here.
Easy options to use your ZEO Card

Easy to use

  • Go shopping: Shop securely online, in stores or anywhere Visa is accepted.
  • Make payments: Set up bill payments with thousands of merchants using your ZEO Card.
  • Get cash: Withdraw cash at a TCF Branch, at any ATM (fees apply if non-TCF ATM), or at merchants that offer cash back with purchase.
  • Manage your account online: Set up alerts or check your balance and transactions online.
  • Pay with your mobile phone: Make purchases using the latest Mobile Payment services, including Apple Pay®, Google Pay and Samsung Pay.
Features and benefits of the ZEO Card

Ways to use the ZEO Card

  • Stay on budget: Use your ZEO Card to budget monthly expenses like groceries or entertainment.
  • Watch your spending: You can only spend what you have on your card, so never worry about overdraft fees.
  • Keep your money safe: Use your ZEO Card as a safer alternative to carrying cash, especially while traveling. Your card is not tied to your TCF accounts, so you keep your main funds separated.
  • Your funds are protected by our zero liability policy, and are FDIC insured.
Learn more details about the ZEO Card

ZEO Card details and fees

  • No credit check required to apply
  • One-time $4 purchase fee
  • A monthly maintenance fee of $4
  • No overdraft fees
  • Minimum initial deposit of $25 required to open
  • No minimum balance to maintain card

See a complete list of ZEO Card fees and policies.

Existing ZEO Card customers, login to your account here.

Easy to open.

Visit any TCF branch to get started.

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