U Card Student Checking – U of M

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 18 on-campus ATMs and 2 full-service branches.
  • 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 up to four withdrawals per statement cycle at non-TCF ATMs located in Minnesota or South Dakota.
  • 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 Twin Cities Sweatshirt

Get your free U of M sweatshirt

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

TCF Campus Branch Locations

1400 5th Street SE, Minneapolis, MN 55414
Hours: Monday to Friday 9 am - 6 pm, Saturday 9 am - 1 pm

Coffman Memorial Union
300 Washington Ave SE, Room G057, Minneapolis, MN 55455
Hours: Monday to Friday 8:30 am - 5 pm

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.

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