U Card Student Checking – UMD

The only full-service bank account that links to your campus ID.

Open your account at orientation or visit a branch.

Power up your U Card! TCF® U Card Student Checking is an optional account that includes the following features:

  • Your U Card can be used at TCF® ATMs and anywhere you pay and enter your PIN.
  • Use the TCF® debit card that comes with your account to shop online and in stores, or link it to your mobile wallet to pay with your phone.
  • Direct deposit paychecks or financial aid checks to get money faster.
  • Have easy access to TCF ATMs where you can withdraw cash for free, with two on-campus ATMs and one full-service branch.
  • Travel home for the holidays knowing that TCF fees are waived for all withdrawals at ATMS outside of Minnesota and South Dakota-and waived for for four withdrawals per statement cycle at non-TCF ATMs located in Minnesota or South Dakota..
  • Use our mobile app with online bill pay, mobile check deposit, quick glance balance view and more tools that help you manage your money.
  • Protect your money by instantly locking your debit card, right from your phone or computer, if it's lost. Locking your debit card does not affect your U Card.
  • Enjoy free University of Minnesota-style checks.


  • No minimum balance requirement or monthly maintenance fee for active accounts, other fees may apply
  • See the account summary and pricing schedule for more details
  • If you open your account online, TCF representatives will be at the U Card office during orientation to link your account to your student ID.
  • TCF has a school arrangement with this university to offer on campus banking services to their students, faculty and staff
University of Minnesota Duluth Sweatshirt

Get your free UMD sweatshirt.

Open and fund your account online, during orientation, or at the UMD campus branch with at least a $25 deposit. Then stop by the UMD campus branch for your free sweatshirt!

TCF Campus Branch

Kirby Plaza
1208 Kirby Dr, Suite 131, Duluth, MN 55812
Hours: Monday to Friday 8 am - 5 pm

Champ the Bulldog is a mark of the University of Minnesota Duluth under license.

Next steps

See how your new account works with your U Card. Learn about your debit card, using digital banking, setting up direct deposit, and more.

Get started
Your Location
Personalize your banking experience by entering your location.
ZIP code is required.