TCF Bank is a Midwestern bank with 400 locations scattered throughout the Midwest area. Clients banking with TCF Bank are offered a wide variety of different accounts, so finding one suitable for you is fairly easy.
TCF offers checking, savings, mortgage products, personal loans, business loans, credit cards, and corporate banking products. They are big on community development and educating consumers on how to be financially savvy.
If you’re interest in learning more, continue reading for more what TCF bank has to offer.
Checking Account Options
At TCF Bank, you can open a regular checking account or an interest bearing account! Here are the following accounts are offered by TCF Bank:
Premium checking with extra benefits, such as no TCF fees at ATMs, earns interest, waived international transaction fees and more. $15 monthly maintenance fee is waived with a minimum account balance of $2,500.
Designed for students ages 18 to 24, with no monthly maintenance fee. Other fees, including dormancy fees, may apply.
A feature-rich, affordable checking account that earns interest, for those age 62 or older. $9.95 monthly maintenance fee is waived with qualifying transactions. Theses transactions include: direct deposits totaling $200 or more a month, $10,000 in combined balances, or 15 qualifying withdrawals
A basic checking account aimed towards teenagers between 14 to 17. This account can be set as the foundations of their financial future.
Compare Checking Accounts
 • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* • Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock. • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. |
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Savings Account Options
You can choose from a variety of savings from TCF, they provide accounts to all ages from teens to seniors. The following are savings accounts offered by TCF Bank
Enjoy flexibility with no minimum balance and no monthly fee, available to TCF personal checking account customers. Other fees, such as: excessive withdrawals, ATM transactions at non-TCF ATMs, and other optional services, may apply. A limit of 6 withdrawals are allowed each billing cycle.
Earn interest starting with your first penny. $100 minimum balance to avoid a $4 monthly maintenance fee. Monthly transaction limitations apply. Other fees may apply.
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A savings account designed for larger balances. Minimum balance is required to earn interest. There is a $50 minimum opening deposit. $1,000 minimum balance to avoid a monthly maintenance fee of $10.
Compare Savings Account Options
 Open a Discover® Online Savings Account for all these features: • Earn $200/$150 Bonus with promo code LOP325 by 9/11/2025 • Earn high interest rate of 3.50% APY • No minimum opening deposit, no minimum balance requirement, and now no fees • Interest on Discover Online Savings Accounts is compounded daily and credited monthly • Manage your account online or with the Discover mobile app • FDIC insurance up to $250,000 • See advertiser website for full details To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code LOP325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200. What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. |
Money Market Account
TCF Power Money Market
Power up your savings with a TCF Power Money Market account that also earns interest. $1,500 minimum balance to avoid a $10 monthly maintenance fee. Monthly transaction limitations apply. Earn interest. $50 minimum opening deposit.
Compare Money Market Accounts
 • Get started and open a Discover® Money Market Account in 3 easy steps. • Available nationwide online • Earn high yields with flexible access to your cash. • Earn 3.45%% APY balances $100,000 and over • Earn 3.40% APY balances under $100,000 • No hidden fees. No surprises. • Easy cash access via debit or check, or via ATM at over 60,000 no-fee ATMs |
CD Account Options
Earn a fixed, competitive interest rate on your certificate of deposit. $500 minimum opening deposit. Choose from a wide range of terms, from 3 months to 10 years. CDs with longer terms typically have higher CD rates. Early withdrawal penalties may apply.
Compare CD Accounts
• Available nationwide online, Discover® offers CDs with some of the highest & most competitive rates! with select terms as short as 3 months up to 120 months • Rates ranging from 2.00% APY up to 4.00% APY. • Opening a Discover Bank Certificate of Deposit is extremely quick and easy. • Funds on deposit are FDIC-insured up to the maximum allowed by law. • Get started and open a Discover CD in 3 easy steps. |
Reasons To Bank With TCF Bank
- Many of the TCF Bank branches have extended hours beyond your standard bank. Many of the TCF Bank branches are located inside local grocery stores, making it convenient for you to do your banking before/after you shop.
- TCF offers teen and student bank accounts with no monthly maintenance fee. The teen account is targeted towards 14 – 17-year-olds. It’s meant to help teens start to understand how to handle money. The student bank account is for college students aged 18 to 24 years old. Both accounts require at least $25 to open an account.
- TCF offers a “senior” checking account. This interest-bearing account does carry a monthly maintenance fee, but if you have more than $200 direct deposited into your account or you make at least 15 withdrawals per month, the fee is waived.
- Savings accounts can be opened with as little as $25.
- They allow CD Laddering.
- You can pay for bills online.
- Set up automatic transfer.
- Set up alerts. These alerts can warn you of unfamiliar transactions or low funds.
Reasons Not To Bank With TCF Bank
- The fees can be steep and add up.
- Check deposits made with a teller can take up to two business days to be available. Typically, the first $250 of the check is available the same day, but the remaining funds take longer.
- If you use an ATM machine outside of the TCF network, you may pay $3 per transaction plus the fee that the host ATM charges. If you use an ATM outside of the US, TCF charges $5 plus 3% of the transaction, and you also incur the charges the host ATM charges.
TCF Bank Routing Number
Your routing number can be found on the bottom left of your check.
Contact Customer Service
Reach TCF Bank Customer Service at 1 (800) 823-2265.
In addition, you’re able to fill out an online Customer Service Request, but a response can to take between one and two business days.
How It Compares
- US Bank: US Bank does charge hefty monthly fees and has slightly hard to reach requirements to waive those fees, such as direct deposits of at least $1,000 per month or average monthly balances of at least $1,500.
- Wells Fargo: They have many more ways that you can waive your monthly maintenance fee, such as making 10 debit card purchases per month or receiving at least $500 in monthly direct deposits.
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Bottom Line
If you bank for convenience rather than interest rates, TCF Bank is the bank for you. If you don’t bank much outside of your own area and know that you’ll have access to TCF ATMs when you need them, it may be a convenient option.
The rates won’t make you rich and the fees may eat away at your wallet, but if you pay close attention, you can waive all your fees.
If you’re interested in banking with TCF Bank, see our list of the latest TCF Bank Promotions! For more options from a variety of banks, see our list of the best bank promotions!
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