How to switch to TCF

Getting started with your bank
March 04, 2020
Women in good mood with a big smile

Switching banks can be good—and easy, too.

Follow these steps to get started.

  1. Make a list of the payments you’ll make in the next month.
    • Start with critical payments, such as rent or mortgage, car, child care and phone.
    • Include online bill payments; automatic payments, such as for utilities; any checks you’ll need to write and any scheduled transfers you make to other accounts.
    • Don’t forget about less frequent automatic payments, such as for insurance or video services.
    • Tips: Use past statements from your current account as a guide. Once you’ve enrolled in digital banking, you can input your payments into planning tools to help you track your budget.
  2. Add money to your new account.
    • Make sure you have enough money in your account to cover upcoming payments.
    • Fund your account by setting up direct deposit, adding money at an ATM or branch and using mobile deposit.
  3. Set up bill pay.
    • Use our pay and transfer tool to make one-time or recurring payments to any person or company, including to the 70,000+ businesses already set up. Make sure to include all of your upcoming payments.
  4. Monitor your old account until payments have processed.
    • Make sure you keep enough money in the old account to cover any checks or payments that haven’t cleared yet. Once all of the checks and payments from your old account have cleared, you may move any remaining money to your new checking account. Switching banks is done!


Explore more banking tips that help you make the most of your account.

Learn more
Your Location
Personalize your banking experience by entering your location.
ZIP code is required.