Disclosures and Agreements

See below for links to important disclosures and agreements.

Account Summary - TCF provides an easy-to-read account summary, describing the key fees, terms and conditions of our most popular checking accounts.
Current Rates & Yields - select the state where you opened or plan to open your account.
Deposit Account Services & Prices Schedule - select the state where you opened or plan to open your account.
Small Business Account Services and Prices Schedule - select the state where you opened or plan to open your account.
Other disclosures and agreements:

Checking and Savings

There are several ways to access your account information.

With TCF digital banking you can:
  • Check your balance.
  • View transaction history, including images of cleared checks and deposit tickets.
  • Enroll and view online statements.
  • Reorder checks.
  • Download the TCF Mobile App for iPhone, iPad and Android smartphones and tablets.
  • Set up customized alerts for balance and transaction thresholds.
  • Update your address and contact information.
  • Set a budget to track spending and savings goals.

With digital banking's pay & transfer tool you can:
  • Pay one-time or recurring bills. 
  • Receive bills within digital banking by setting up e-bills.
  • Transfer money between eligible TCF accounts.

With our automated TCF phone banking service you can:
  • Activate a new card.
  • Check your balance.
  • Hear pending and posted transactions from the last 60 days.
  • Transfer money between accounts.
  • Change your PIN.
  • Reorder checks.
  • Order a statement of transactions since your last monthly statement ($5 fee applies).
  • Obtain total previous year’s interest earned on all deposit accounts related to your Social Security or Tax ID number (available January through July), or order a duplicate copy of your 1099-INT statement.

With our TCF ATMs you can:
  • Activate a new card. 
  • Check your balance.
  • Transfer money between accounts that are tied to your card.
  • Request a mini-statement ($1.50 fee applies).

You will usually need to provide a Routing and Transit Number (RTN) when enrolling in automated services such as direct deposit. An RTN speeds up the processing of debits and credits between financial institutions. To find where the RTN is located on a check, look at the example below. (Note: do not use an RTN from a deposit ticket.)

Sample of check that focuses on account number

The best resource to determine your RTN is by looking at a check. If none is available, use the TCF Routing and Transit Numbers chart below to find the number associated with the state where you opened your account. This may not be the same state where you currently live.

Arizona

122106183

Colorado

107006444

Illinois

271972572

Indiana

271972572

Michigan

272471548

Minnesota

291070001

South Dakota

291070001

Wisconsin

275071385

ZEO

29107000


For accounts opened online, use the state specified in your online application. If you have any questions, call Customer Service.

There are several ways to order more TCF checks:
  • Log in to digital banking. Under Accounts, click the account name and select Order ChecksNot yet enrolled? Enroll in TCF digital banking.
  • Order through our partner Harland Clarke by visiting ordermychecks.com or by calling 1-888-784-5296.
  • Call the 24-hour TCF phone banking service at 800-TCFBANK (823-2265). Press 4 (more options) -> select 1 (my account) -> select 5 (reorder checks).
  • Bring your check reorder slip into a TCF branch.
  • Mail your check reorder slip to any TCF branch.
If your card is lost or stolen, call us at 1-800-TCF-BANK (800-823-2265) or 1-800-343-6145 (TTY), as soon as possible so we can help. 

We will cancel your card to protect your account and help you review your account activity for any charges you don't recognize. We will either mail you a new card through the U.S. mail or locate a nearby branch that can instantly issue a new card for you.
See detailed information about setting up direct deposit here
Log in to TCF digital banking and select the Accounts tab, then click on the account name. Next click the red Enroll in online statements button and follow the prompts to complete enrollment.
See our current rates by selecting the state where you opened your account: For accounts opened online, use the state specified in your online application.
You can view monthly interest activity online in TCF digital banking. You can also call our 24-hour automated TCF phone banking service at 800-TCFBANK (823-2265) to get interest information for your accounts.
In TCF digital banking, select pay & transfer and then the create & view tab. Choose the create option and follow the prompts onscreen.
Learn about overdraft services, how to manage your selection and more at tcfbank.com/overdraftservices
The daily withdrawal limit varies by account. Go to the Terms and Conditions and then the section Limits on Withdrawals and Transfer Requests for details.

These transactions are free for TCF customers.

For non-TCF ATMs, the bank that owns the ATM may charge an access fee, which varies by ATM and is disclosed on the screen prior to you completing your transaction. TCF also charges a fee when you use an ATM that is not owned by TCF. TCF may waive this fee for certain account types. You can avoid these fees by using a TCF ATM.

The institution that owns the ATM may charge an access fee, which varies by ATM and is disclosed on the screen prior to you completing your transaction. TCF also charges a fee when you use an ATM that is not a TCF ATM. TCF may waive this fee for certain account types. You can avoid these fees by using a TCF ATM.
Learn about funds availability on our funds availability page
Yes, a deposited item returned fee is charged to your account when a check is returned to TCF unpaid. See our Deposit Account Services & Prices Schedule for specific fee information.

By federal regulation, you may not make more than six transfers or withdrawals (or a combination of transfers or withdrawals) from a savings or money market account during a month or monthly statement period: (1) to another account you have with TCF or to a third party by pre-authorized or automatic transfer; (2) by telephone, fax, or online banking; (3) by check or draft (if you can write checks or drafts against your account); (4) by debit card (if we have issued a debit card for your account); or (5) by similar order by you and payable to third parties.

An excessive withdrawal fee of $15 applies for each transfer or withdrawal that exceeds the transaction limit.

See the section called “Limits on Withdrawals and Transfer Requests” in the Terms and Conditions for Checking and Savings Accounts for additional information on these limits.

You can find the fees and services schedule for TCF's most common deposit account products by selecting the state where you opened your account: For accounts opened online, use the state specified in your online application.

Chip-enabled TCF Debit Cards

When you see payment terminals with the universal contactless symbol,  wave your card and follow the directions to complete the transaction.
If the payment terminal is chip-enabled: 

  1. Insert the card, face up with the chip end first, into the terminal.
  2. Leave the card in the payment terminal during the entire transaction.
  3. Follow the instructions on the screen and sign or enter your PIN if needed. Be sure to remove your card when the transaction is complete.
For merchants without chip-enabled payment terminals, swipe your card as usual. Chip technology won't be used to process the transaction.

Your chip-enabled card can be used anywhere Visa cards are accepted in the U.S. and around the world. If a merchant has a chip-enabled payment terminal, you will insert your card during the transaction. In the U.S., you will still be able to swipe your card to make your payment if a merchant has a regular payment terminal. You will need a PIN to be able to make a transaction at an ATM.

You can get a chip-enabled debit card instantly at any branch or by calling 1-800-823-2265 (1-800-343-6145 TTY). If you open an account online, your card will be mailed to you. Once it arrives, be sure to activate it and sign the back.

Yes, you can use your chip-enabled card to make purchases everywhere Visa is accepted, but chip technology isn’t used during these types of transactions.

Yes. Depending on the type of ATM, you might be able to wave your card or you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released. Then remove your card and any money you might have withdrawn.

If your card is lost or stolen, call us as soon as possible at 1-800-TCF-BANK (800-823-2265) or 1-800-343-6145 (TTY) so we can help.

We’ll cancel your card to protect your account and help you review account activity for any charges you don’t recognize. We can either mail you a new card through the U.S. mail, or help you find a nearby branch that can instantly issue you a new card. 

No. Chip cards won't prevent the types of data breaches that have hit some merchants, but they do make it difficult for fraudsters to produce counterfeit cards from the stolen data.

Merchants may offer a cash back option if you enter your PIN to complete the debit transaction. Select debit as your payment type, enter your PIN and follow the instructions on the merchant’s payment terminal to receive cash back.

Remember, not all merchants provide a cash back option. 

You may have more than one contactless payment card in your wallet. For example, some transit cards have contactless capabilities. When you use a contactless card for payment, be sure to remove that card from your wallet and hold it directly in front of the payment terminal to ensure the right card is charged. Waving your wallet at the terminal could result in the wrong card being charged.

Commonly Requested Forms

The Simple Switch Kit has helpful information to make the move to TCF a little easier. Print the Simple Switch Kit and follow the directions below to begin the switch today!

  1. Write your new account information, direct deposit Information and automatic payment authorization on the Simple Switch Kit.
  2. Visit a TCF branch to open a checking account.
  3. Give your completed Simple Switch Kit to the TCF Representative helping you. They will help you open an account and switch your direct deposits and Automatic Payments.
  4. After opening your account, you may enroll in Online Banking, Online Statements and Online Bill Payment.

If you are setting up direct deposit for a payroll check, please complete the Direct Deposit Set-Up Form or visit any TCF branch.  Once completed, either submit it to your employer or if required by your employer, transfer the information onto your employer's direct deposit form.

If you are setting up direct deposit for a Federal benefit check, a TCF Representative can help you complete the required form and mail it in for you or assist you in contacting the U.S. Treasury Department at (800) 333-1795.

Allow approximately 4 weeks after completing the process for direct deposit to start.

My Account

Use any of the following methods to change your address:

Online Banking:
  1. Log in to TCF Online Banking
  2. Select the Home tab -> Preferences -> Change Contact PreferencesCall Customer Service
Visit any TCF branch and speak with a TCF Representative
You can request a stop payment on a check using one of the methods below:
  • Call Customer Service
  • Visit any TCF branch and speak with a TCF Representative.

When requesting a stop payment, you will need to provide the following:
  • Name
  • Phone number
  • Account number
  • Reason for stop payment request
  • Amount
  • Payee
  • Check number(s) or if automated debit, name of company and exact amount

Fees apply. Stop payment requests are not available for all check types. See the Terms & Conditions for Checking and Savings Accounts for more details.

TCF provides an easy-to-read account summary. This document, modeled after the Pew Charitable Trust disclosure, describes the key fees, terms and conditions of our most popular checking accounts. Select the account summary based on the state you opened your account: You may view TCF's Privacy Policy and TCF’s Online Privacy and Security Policy on the TCF website.
Receiving a Wire Transfer to Your TCF Account
To receive a wire transfer to your account, provide the following information to the individual or business sending the wire:

Domestic (U.S.) & International
The following information is the minimum amount of information required for sending wires:
  • Wire Routing Transit Number for the state your account was opened:
    • 291070001 - MN
    • 107006444 - CO
    • 271972572 - IL
    • 272471548 - MI
    • 275071385 - WI
    • 122106183 - AZ
  • Bank Name: TCF Bank
  • City, State: Minneapolis, MN
  • Your Account Number
  • Title of Account: The name of your account as it appears on your statement

There is a fee for receiving a wire transfer. For details, please refer to your Deposit Account Services and Prices Schedule, or call us at 1-800-TCF-BANK.

Sending a Wire Transfer From Your TCF Account
To send a wire transfer, please visit a TCF Bank location. We cannot accept wire instructions through email or fax because we need to properly identify you, obtain your signature and this must be witnessed by a representative of the bank.

Domestic (U.S.):
  • Receiving Bank ABA Number & Name
  • Beneficiary Name, Account Number & Address
International:
  • Beneficiary Name, Account Number & Address
  • Receiving Bank Name, City/County & SWIFT Code
  • Other Country-Specific Information:

Note: TCF does not have a SWIFT code because TCF is not an international bank. The sending bank will usually have a correspondent relationship with a bank in the United States who then routes the funds to TCF.
  • Mexico: BNF Acct # must be 18 digits
  • Turkey & UAE: Requires IBANs
  • United Kingdom: Requires 6-Digit SORT Code
  • India: Requires Purpose of Payment Listed

There is a fee for sending a wire transfer. For details, please refer to your Deposit Account Services and Prices Schedule, or call us at 1-800-TCF-BANK.

Tips to Avoid Being a Victim of Wire Fraud
  • Never wire money to people you don’t know, regardless of how convincing or enticing their story may be.
  • If you’re being pressed to make a decision or send money fast, it’s probably a sign of a scam.
  • Walk away from any offer from a stranger who asks you to deposit a check into your bank account and instructs you to wire any of that money to someone else, perhaps in another country.
  • Never give out your bank account or debit card numbers in response to an advertisement or an unsolicited call, text message or e-mail.
If you authorize companies or people you pay to make electronic withdrawals directly from your account, they can do so using a nationwide payment network called ACH. The ACH payment network system had a rule change on September 15, 2017 that may have affected your account. The rule change permitted payments to be withdrawn from your account more quickly (as soon as the date you specify for payment). Please make sure you have sufficient available funds in your account on the date you specify for payment to avoid any overdrafts or returned payments.
If you authorize companies or people you pay to make electronic withdrawals directly from your account, they can do so using a nationwide payment network called ACH. You do this by giving them the account and routing numbers for your account and by specifying the date you want to pay. Online bill payments are also paid through the ACH payment network. These electronic payments could be withdrawn from your account as soon as the date you specify for payment. Please make sure you have sufficient available funds in your account on the date you specify for payment to avoid any overdrafts or returned payments.

Online Statements

Online statements are free.
Log in to TCF digital banking and select the Accounts tab, then click on the account name. Next click the red Enroll in online statements button and follow the prompts to complete enrollment.
If your account has been open for more than 60 days, you’ll automatically have a minimum of two months of statements available online after you enroll. For both new and existing accounts, your next statement will appear online at the same time you would receive your paper statement.
If you enroll your accounts in Online Statements, you will no longer receive a paper statement in the mail for those accounts.
Your Online Statement will be presented to you electronically in Portable Document Format (PDF). To view, print or save the PDF, you will need to download a free copy of Adobe® Acrobat Reader.
No, you can choose which accounts you would like to enroll in Online Statements.
Call us at 1-800-TCFBANK (823-2265) or 1-800-343-6145 (TTY) and we can help you sign up for online statements.
You will receive a secure notification to your TCF digital banking mailbox when your statement is available to view online. You can also set up an alert to your email address.
Log in to TCF digital banking and select the Accounts tab, then click on the account name. Next click Online statements and choose from the available statements listed by date.
Yes, you can print your statement from digital banking.
Your statements will be available online for 3 years.
You will have three years of statements available online. Call us at 1-800-TCFBANK (823-2265) or 1-800-343-6145 (TTY) to obtain copies of statements older than three years (fees may apply for copies; see the Deposit Account Services & Prices Schedule for your state).
Yes, any joint account owner can enroll the account in online statements.

Bill Pay

To pay your bills online, you must first enroll in TCF digital banking. To add online bill payment to your existing TCF digital banking service:
  1. Log in to digital banking
  2. Select the Pay & Transfer tab
  3. Select the Bill Pay Enrollment option and follow the on-screen instructions
You can pay almost any bill online that is payable in the United States. There is an exception for payments to many government agencies.

Payment timing varies by recipient, because delivery dates are based on how payments are delivered. If your recipient is able to receive electronic payments, it takes about two days to receive your payment. If we have to send a check, it could take up to four days for your recipient to receive your payment. The recipient's lead time, which is the amount of time your recipient requires to process a payment, may also vary.

TCF’s online bill pay tool includes a timeline with a smart calendar, which can help you determine when to schedule a payment based on that recipient’s delivery method and lead time. Once you enter the name of your recipient, the earliest possible “deliver by” date will show.

Please check with your recipient for exact details on how payments are credited.

An e-bill is an electronic version of your paper bill that you can elect to receive directly within digital banking under the Pay & Transfer tab. You can then view your entire bill and pay immediately or schedule future payments directly.  

E-bills are available for many recipients and can be set up for only those recipients you choose. Once you have an e-bill set up for a recipient and start receiving it, your recipient may stop sending you a paper bill. Instead, you’ll receive your e-bill directly within digital banking.  

It typically takes 1-2 billing cycles for you to begin receiving your bill online.

Available Balance

Your available balance is the amount that is available for withdrawal from your account. Generally, your available balance is deposits minus withdrawals, transfers, debit card authorizations and fees. To read the full definition, visit the Terms and Conditions for Checking and Savings Accounts, go to the “General Definitions” section and view “available balance.” 

For more information about how deposits and withdrawals affect your available balance, visit our page about funds availability.

To determine if a transaction exceeds your available balance, TCF uses your available balance at the point in time that we process the transaction for payment against your account. If a check exceeds your available balance, at that time, it is up to TCF's discretion to pay the item or not pay it. If you write a check for more than your available balance, one of several things could happen.
  • TCF can return the check without paying it and charge you a fee. This fee is called a "returned item NSF fee." And the person or company that you wrote the check to – for example, a store or your credit card company – might charge you a "returned check fee" in addition to the fee we charge.
  • Or TCF can pay the check and charge you a fee. This fee is called an "overdraft fee." This fee is the same, regardless of the amount of the check (and could exceed the amount of the check).
Electronic payments from your account, called "ACH," include such things as recurring monthly bill payments or one-time payments that do not involve the use of a debit card. Like checks, it is up to TCF's discretion to pay, or not pay, any electronic payment that exceeds your available balance. In either case, TCF will charge you a fee. However, see the FAQ below for your right to "opt-out."

Debit card transactions work somewhat differently than checks. Once TCF approves ("authorizes") a debit card transaction, it can generally take up to 3 business days for it to reach TCF for payment ("settlement"). So, while your available balance may be enough to cover a transaction when we authorize it, that does not mean it will be enough at the time of settlement. If TCF authorized a transaction, we are required to pay it even though your available balance at settlement may not be enough to cover a transaction.

Here is an example of how that works. Say you have $100 in your account on day 1. That same day you write a check for $40. On day 2, you use your debit card to make a purchase for $80. Because you have enough money in your account at the time of the purchase, TCF authorizes it. Your available balance is now $20. On day 3, the $40 check is presented to TCF for payment, and TCF pays it. Your available balance is now negative by $20, and you incur an overdraft fee. On day 3, your $80 debit card transaction reaches TCF for payment. Because TCF previously authorized the transaction, we are required to pay it. Because your account is still overdrawn, you incur another overdraft fee (provided you have "opted-in", as discussed in the FAQ below).

This can also work the other way around. Say you have $100 in your account on day 1 and use your debit card to make a purchase for $120. Even though the transaction exceeds your available balance, TCF authorizes it (provided you have "opted-in", as discussed in the FAQ below). You do not incur an overdraft fee at this time. On day 2, you make a cash deposit for $30. On day 3, your $120 debit card transaction reaches TCF for payment. Because the transaction is for less than your available balance when it reaches TCF for payment, it does not overdraw your account. If you had not made the deposit, you would have incurred an overdraft fee.

Please note that some transactions using your debit card, such as ATMs and those using your PIN, can reach TCF for payment the same day or in as little as one day.

Initially, your decision is made when you open your account. You can change your election by phone, online, at a branch or by mail:

  • Stop by any TCF branch.
  • Log in to digital banking, go to Accounts & Statements, select the account name and choose Update Overdraft ServiceSM.
  • Call the Overdraft Service Election Line at 1-866-823-4472.
  • Write to:

    TCF Bank, Attn Customer Service
    1405 Xenium Lane N, OPS-SD-G
    Plymouth, MN 55441


    The written request should include your name, address, date of request, account number(s) and overdraft decision.
  • Change your election at certain TCF ATMs.

Whatever you decide, you can change your mind later.

Overdraft Services

You “overdraw” your account when you write a check that exceeds your available balance at the time we deduct the payment from your account. You also overdraw your account when you use your debit card for a transaction that exceeds your available balance at the time we deduct the payment from your account.

“Posting” is when TCF processes transactions to your account. “Posting order” is the order in which TCF processes transactions in a given business day.

We post transactions nightly each business day. We first post deposits and incoming transfers that are made before the daily cutoff time. We then post withdrawals and outgoing transfers. Transactions may not be posted in the order in which they occurred. TCF may, at any time in the future, change the posting order on your account. The posting order on your account can affect the amount of overdraft and returned item NSF fees that you pay.

Please refer to the section called “Order of Posting” in TCF’s Terms & Conditions for Checking and Savings Accounts for more information.

While overdrafts provide a benefit in occasional situations and emergencies, you should avoid them and not rely on them as a long-term source of credit. Alternative forms of credit may be less expensive and more suitable for your longer term financial needs. These may include overdraft lines of credit, personal loans, or lines of credit.
TCF charges a fee, called an overdraft fee, when it pays transactions that exceed your available balance. TCF also charges a fee, called a returned item NSF fee, for returning items without paying them. TCF charges the overdraft fee or returned item NSF fee regardless of the amount of the transaction (and the fee could exceed the amount of the transaction).

Federal regulations require banks to get your permission before paying ATM and everyday debit card overdrafts on consumer accounts when charging a fee.*  This is called “opt-in.”

If you opt-in, it is up to TCF’s discretion to authorize or not authorize these transactions. TCF will charge a fee for any transactions resulting in an overdraft. Banks only need your permission once. Your permission is not required separately for each transaction. Opting-in can have benefits, because it gives TCF the option (although we are not required) to approve transactions when your account is unexpectedly low on money, or when you know you will make a deposit later that day. But overdraft fees will apply.

If you do not opt-in, you may avoid unexpected fees on your account. However, TCF will not approve your ATM and everyday debit card transactions if they exceed your available balance at the time of the authorization. You will not be charged a fee for these declined transactions.

* An “everyday” debit card transaction is any one-time, nonrecurring transaction using a debit card. Transactions you authorize in advance using your debit card, such as a monthly bill payment, are not considered everyday transactions. TCF relies on transaction coding provided by the merchant to determine if a transaction is recurring.

You also have the option of telling TCF not to pay overdrafts on your consumer account due to checks, ACH transactions (such as electronic monthly bill payments) and electronic transfers not involving the use of your debit card. This is called “opt-out.”

If you opt-out, TCF will return transactions without paying them if they exceed your available balance. If you do not opt-out, it is up to TCF’s discretion to pay or not pay these transactions.

TCF will charge you a fee for any overdrafts we pay and for any items we return without paying.

Initially, your decision is made when you open your account. You can change your election by phone, online, at a branch or by mail:

  • Stop by any TCF branch.
  • Log in to digital banking, go to Accounts & Statements, select the account name and choose Update Overdraft ServiceSM.
  • Call the Overdraft Service Election Line at 1-866-823-4472.
  • Write to:

    TCF Bank, Attn Customer Service
    1405 Xenium Lane N, OPS-SD-G
    Plymouth, MN 55441


    The written request should include your name, address, date of request, account number(s) and overdraft decision.
  • Change your election at certain TCF ATMs.

Whatever you decide, you can change your mind later.

Loans and Credit

You may contact Consumer Lending Customer Service. Please have your consumer loan account number available.
You can apply for a loan at our branch locations. To be connected with the branch nearest you, please call Consumer Lending Customer Service.
New coupon books will be automatically sent to you before you run out of coupons. There is no need for you to call to reorder. If you have lost your current coupon book, please contact Consumer Lending Customer Service. Coupon books are only available for non-real estate secured loans.
We also offer you the convenience of viewing your loan account information online. If you currently have a TCF checking or savings account, you may enroll in Online Banking. If you do not have a TCF checking or savings account, call our Consumer Lending Customer Service to obtain a PIN that will allow you to enroll in Online Banking.
Please contact Consumer Lending Customer Service.
For all history requests, please contact Consumer Lending Customer Service.
Refunds are normally sent out within 10 business days of the date of your consumer loan pay-off. If you haven't received your refund within 15 business days, please contact Consumer Lending Customer Service.
Please contact Consumer Lending Customer Service to obtain the necessary forms.
All address change requests should be submitted in writing  and include your consumer loan number, old and new address, and your signature authorizing the change. The request can be mailed to:
TCF National Bank
Customer Service
Mail Code PCC-2E-P
1405 Xenium Lane N
Plymouth, MN 55441
Please contact Consumer Lending Customer Service.
Please contact the lender at the branch where you closed your loan or call Consumer Lending Customer Service.

The TCF CommandLine is TCF's Home Equity Line of Credit, which provides you access to the equity in your home.

Now it is even more convenient with the TCF CommandLine Card, a VISA® branded credit card that directly accesses your Line of Credit. If you request the TCF CommandLine Card, you can get cash advances from ATMs or banks or make purchases everywhere VISA credit cards are accepted. 

The TCF CommandLine Card is not available in Connecticut, Nebraska and New York.  For more information or to apply for your TCF CommandLine, please call Consumer Lending Customer Service.

Report lost or stolen cards immediately by calling Consumer Lending Customer Service. TCF provides zero fraud liability for unauthorized use of your card. Cardholder must notify TCF Bank of any unauthorized use no later than 60 days after we sent you the first statement on which the unauthorized use appeared. Certain conditions and limitations may apply.

The Federal Trade Commission (FTC) provides helpful information for consumers regarding how to dispute credit report errors on the FTC website (Disputing Errors on Credit Reports page).

If you believe that TCF has reported information regarding your TCF loan incorrectly to a credit reporting agency, you may dispute the accuracy of the reporting both to the credit reporting agency and to TCF.  To dispute the accuracy of the information to TCF, you must send a written notice of dispute to:

TCF National Bank
Attn: Customer Service
Mail Code: PCC-2E-P
1405 Xenium Lane N
Plymouth, MN 55441

As required by the Fair Credit Reporting Act, the notice of dispute must contain the following information:


1.The account that is in dispute, including the account number, if available;
2.The specific information that you believe is inaccurate;
3.An explanation of why you believe the information is inaccurate; and
4.A copy of the relevant portion of the consumer report that you believe is inaccurate. 

Your letter may look something like the sample below.  When we receive your notice of dispute that includes the above information, we will investigate the dispute.

You may also dispute the accuracy of any item on your credit report, including the accuracy of information provided by TCF National Bank, to the credit reporting agency that provided the report.  The customer service numbers for the credit reporting agencies are as follows:

  • Experian: 1-888-397-3742
  • TransUnion: 1-800-888-4213
  • Equifax: 1-800-685-1111

If you are unsure about which credit reporting agency to contact, we may be able to direct you. Please contact Consumer Lending Customer Service at 1-800-950-7332

Sample Dispute Letter:

Date
Your Name
Your Mailing Address
Your City, State, Zip Code

TCF National Bank

Attn: Customer Service
Mail Code: PCC-2E-P
1405 Xenium Lane N
Plymouth, MN 55441

Re: Loan#__________________

Dear Sir or Madam:

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.

This TCF loan is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be removed (or request another specific change) to correct the information. Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,
Your name

Enclosures: (List what you are enclosing.)

Online Loan Payments

Visit us at tcfbank.com/loanpayments to get started or contact Customer Service at 1-800-TCF-LEND (1-800-823-5363) for more information.
With TCF Online Loan Payments, you can:
  • Make a one-time payment
  • Enroll in the service and have access to these additional features:
    • Set up recurring payments.
    • Manage your payments and the sources used to fund them.
    • Review your online payment history.
Upon enrollment in the Online Loan Payment service, you will receive electronic confirmation communications or notifications of upcoming payments that you have previously scheduled. These communications will never request a response.
TCF does not charge a fee for using the Online Payment Service provided at tcfbank.com/loanpayments.
All borrowers on qualified loan accounts are eligible to use the Online Loan Payment service; however, access requires the primary borrower's account information.
The primary borrower on the loan account is the first name listed on the monthly loan statement.
You will need your 17-digit loan account number, the social security number & zip code of the primary borrower, and a valid e-mail address. Once enrolled, you will only need the account Login ID and Password to access your account.
Enrolling once will allow you to manage all loans that share the same loan identifiers, including primary borrower name and social security number.
An error can occur if the loan account number is not entered correctly. Your 17-digit loan account number must be entered without spaces or dashes.

EXAMPLES:
  • For credit line customers, the primary account number (located in the information box at the top right of your loan statement) is displayed as 0991236123456-2998. This should be entered as 09912361234562998.
  • For mortgage loan customers, the account number (located in the information box at the top right of your loan statement) is displayed as 099-123-0001234-8001. This should be entered as 09912300012348001.

In addition, some loan accounts may not be eligible for the Online Loan Payment service. Contact Customer Service at 1-800-TCF-LEND (1-800-823-5363) if you have questions or are having difficulty accessing your account.
At this time, accessing tcfbank.com/loanpayments requires a separate sign-on and password.
You can make payments from your bank account (Checking, Savings, Money Market), or your Visa or MasterCard branded debit card, including prepaid debit cards.
No, credit card payments are not accepted.
Yes, customers who enroll will be able to schedule and manage recurring monthly and bi-weekly payments.
Your payment will be credited to your loan account on the scheduled payment date provided that payments are scheduled prior to 6:00 PM CT.
TCF will initiate debits and withdrawals from the funding account on or after the scheduled payment date:
  • Debit card transactions will be processed on the date the loan payment is processed.
  • Bank account transactions will be processed against your deposit account according to your bank’s ACH clearing process. Your online payment history will reflect the payment as “In Process” for up to four business days.
Enrolled Customers: Cancel or modify your scheduled or recurring payments on line at tcfbank.com/loanpayments.

One-Time Payments: Contact Customer Service at 1-800-TCF-LEND (1-800-823-5363) to cancel a scheduled payment.

The following cut-off times apply:
  • Same day payments must be cancelled by 6:00 PM CT.
  • Scheduled or recurring payments must be cancelled by 6:00 PM CT the day before the scheduled payment date.
These types of payments require special handling. Contact Customer Service at 1-800-TCF-LEND (1-800-823-5363) for assistance.
Your loan statement is currently not available online. To request a copy of your loan statement, contact Customer Service at 1-800-TCF-LEND (1-800-823-5363).
No, an online payment will appear as a payment transaction on your monthly loan statement, similar to previous payments made. You will not notice a unique identifier.
The balance provided is not a payoff balance. To obtain a payoff balance, contact Customer Service at 1-800-TCF-LEND (1-800-823-5363).

Fraudulent Emails, Texts and Social Messages

The term "phishing" comes from the way in which internet scammers "phish" for your personal financial information. This involves sending fraudulent emails, text messages or messages on social media that appear to be from a legitimate company that you recognize and do business with, such as a financial institution, in order to trick you into surrendering private information that can be used to initiate fraudulent transactions or complete an identity theft.

In many cases, the fraudulent email, text or social message will warn you of a serious problem with your account that needs immediate attention, and will threaten to suspend or close your account if your personal information is not updated within a given time frame. The message then directs you to click on a link to a phony website where you are asked to update personal information, such as your Social Security number, passwords, credit card information, bank account numbers and contact information.

Any email, text or social message you receive that appears to be from TCF and requests updated personal information, such as your Social Security number, account number, PIN, or passwords, is fraudulent. The link contained in the message is NOT to TCF Bank's website, even though it may imitate our style and graphics.

If you provide the requested information, you may find yourself a victim of identity theft.

The subject line of the email or topic of the text or social message can vary. Any email claiming to be from TCF Bank that asks for customer information should be forwarded to emailfraud@tcfbank.com immediately. Delete the email after it has been forwarded to us. Any text or social message claiming to be from TCF Bank that asks for customer information should also be deleted. Please call us at 1-800-TCFBANK (823-2265) or 1-800-343-6145 (TTY) to report the suspicious message.

Do not type any information or respond in any way and close the message. If you did respond, call Customer Service immediately.

TCF Bank does not use pop-up messages to request customer information. We will never ask you for your Login ID, Password, or PIN by pop-up message.

One of the newest email scams is the "Account Manager" scam, which offers to let you become an "Account Manager" or "Transfer Agent" for a third party, usually in another country.

Scammers will try to solicit you through an email or web advertisement, offering to let you work from home and be an "Account Manager" or "Money Transfer Agent" for them. In turn, they will let you earn commissions for your trouble and offer to increase your fee the more transfers you complete for them. Money is then transferred out of an unsuspecting person's account and into yours. Then you are asked to send the money to them through Western Union or other funds transfer service provider under the impression that you will keep a percentage of the money they have deposited into your account.

If you agree to become an Account Manager for the scammers, you have no idea where the money is coming from or where it is going. It could be used for a variety of illegal purposes, including terrorism, and you could be prosecuted if caught. Do not believe any emails or web advertisements offering to let you earn money by transferring cash.

If you receive an email or see an advertisement offering to make you an "Account Manager" or "Money Transfer Agent," forward it immediately to your local Secret Service office or the national Financial Crimes Division at 950 H Street, Washington, D.C., 20001 or fax to 202-406-5031.

TCF Bank will never ask you to provide your digital banking login ID or password or any personal information by email, text or social message. Use the following tips for preventing fraud and identity theft:
  • You should be suspicious of any email, text or social message  that appears to be from TCF Bank containing links to websites asking for confidential information.
  • Never provide personal information in response to an unsolicited request, whether it is in an email, text or social message or over the phone. If you believe the request may be legitimate, contact the financial institution yourself using contact information that you have verified. Do not use phone numbers contained in emails, texts or social messages you believe may be fraudulent.
  • Delete emails, texts or social messages  from unknown senders without opening them. Do not open attachments; this may release a virus in your computer to track your personal information.
  • Never send an account number, PIN, or password by email, text or social message .
  • Choose a PIN and password that is known only by you and keep it in a safe place. Consider changing your PIN and password on a regular basis.
  • Review all account statements, including online statements, regularly to verify all charges are correct and to check for any suspicious activity.
  • If you are suspicious of any email, text or social message you receive that appears to be from TCF Bank, call Customer Service immediately.

The fastest way to get a new card is to visit any TCF branch and request an instantly-issued debit card.

If you’re unable to visit a branch, call us at 1-800-TCF-BANK (823-2265) or 1-800-343-6145 (TTY) and ask us to mail you a new card. Standard delivery is free, and you’ll have a new card within 7-10 business days. We also have expedited and rush delivery options available. We can explain details and applicable fees for these options.

After you have contacted TCF and alerted us to the situation, you may also want to contact one of the three major credit bureaus and discuss whether or not you need to place a fraud alert on your file. This will help prevent thieves from opening a new account in your name:

Equifax
800-525-6285
P.O. Box 740250
Atlanta, GA 30374

Experian
888-397-3742
P.O. Box 1017
Allen, TX 75013

TransUnion
800-680-7289
P.O. Box 6790
Fullerton, CA 92634

You may also want to report suspicious contacts to the Federal Trade Commission by visiting the FTC website (Identity Theft page) or by calling 1-877-IDTHEFT.

Gift Cards

The TCF Visa Gift Card is a prepaid Visa card with the initial card balance determined by the giver at the time of purchase. Each time the gift recipient uses the card, the purchase amount is deducted from the available balance on the card.

Funds cannot be reloaded onto the card. It can be used everywhere Visa debit cards are accepted, including retail stores, online merchants, and for mail and phone orders.

To use your gift card to make online or phone purchases, you must first register the card by calling the number on the back of it or visiting visadpsgiftcard.com and selecting activate my card. When you make online or phone purchases, be sure to use the same name, address and phone number you used when you activated your card or the transaction may be declined.

Register your TCF Visa Gift Card and check your balance here.

The TCF Visa Gift Card is accepted at most Visa merchants worldwide, with a few limitations:

  • Pay-at-the-pump gas purchases (instead, you can pay with your TCF Visa Gift Card by presenting the card to the attendant inside the gas station)
  • Cash access through an ATM, bank or any other cash advance
  • Internet gambling
A TCF account holder may purchase gift cards. You must use your TCF account number and other account information to pay for your purchase and shipping and handling charges.
Make sure there are sufficient funds on your TCF Visa Gift Card before making a purchase.  If your transaction was declined, even if there were sufficient funds on your card, please call Customer Service.
You may need to present your TCF Visa Gift Card at the time of a merchandise return. If the merchant's return policy allows, the merchant will credit the amount of the purchase back onto your Gift Card. Remember to save your receipts and the Gift Card even after you have spent all the funds in case there are any merchandise returns.
Yes. The initial minimum value the TCF Visa Gift Card can have is $10 and the maximum value is $500.
The Card and underlying funds expire on the "Good Thru" date as shown on the front of the Card.
Keep your card, even after the balance is depleted, in case you need to return any purchased items. You may be asked to present the card when returning items purchased with the card.
Report lost or stolen cards immediately by calling the Customer Service number located on the back of your Card or within your Terms and Conditions. You will need to have the card number to cancel the card and have a replacement card issued. Keep a record of your TCF Gift Card number in a safe place, separate from the card. A $15 card reissue fee applies. See your Terms and Conditions for further detail.

Yes. See the schedule of fees below.

Initial Card Purchase

$4.95

Monthly Inactivity Fee*

$5.00 per month following 12 consecutive months of inactivity

Card Reissue Fee

$15.00 regular mail

$30.00 express mail


* Activity is defined as any action that results in an increase or decrease of the funds underlying the Card. It does not include the imposition of a fee, a failed transaction, an adjustment due to an error, or reversal of a prior transaction.

There is a monthly inactivity fee for the Card and other fees relating to the use of the Card. The monthly inactivity fee is applied after 12 consecutive calendar months of inactivity. No more than one inactivity fee will be charged in a calendar month. All fees will be deducted from the Card balance.

Year End Interest and Tax Reporting

Interest from each account with the same Taxpayer Identification Number (TIN) is reported to you on IRS form 1099-INT. 1099 forms are sent via U.S. Mail no later than January 31 for the year before. You can also view interest earned monthly on your account statements.
All 1099 INT forms will be mailed by January 31 of each year.
The dollar value of any special promotion or premium is considered paid interest if the value of the premium is $10 or more.
Deposit contributions made between January 1 of the previous year and April 17 of the current year for IRA and Roth plans will be reported to you on IRS form 5498 by May 30 of the current year.
Call Customer Service or visit your local TCF branch can correct your address and order a duplicate / replacement statement the same day.
The interest earned on your cashed savings bond/coupon is reported on IRS form 1099 INT. TCF, in general, does not report interest of less than $10 for a Taxpayer Identification Number (TIN).
Report the error to your local TCF branch office. The branch personnel will make the corrections and send you a corrected 1099 INT statement.
Check with your tax advisor or the IRS. TCF, in general, does not report interest of less than $10 for a Taxpayer Identification Number (TIN).
TCF withholds taxes on interest earned if you have not provided a Taxpayer ID Number (TIN), the TIN has not been certified or the IRS has directed TCF to do so.
Funds availability varies, depending on whether you deposit your check into a checking or savings account. Please see the Funds Availability Schedule and Disclosures section of the Terms & Conditions for Checking and Savings Accounts.

According to IRS regulations, interest must be reported whether or not it is actually posted to the account. To simplify year-end reporting, TCF chooses to pay the interest into the account at year-end.

All interest bearing Checking and Savings accounts pay interest earned on normal statement cycle dates. Interest is paid through December 30 on all interest bearing checking accounts. Savings accounts will be paid interest through December 31.

You can check on the status of your refund at www.irs.gov.
(TDD) 1-800-343-6145 or 612-339-3075 in the Twin Cities.

Accessibility

We are committed to making our products and services available to individuals with disabilities. We provide talking ATMs that meet Americans With Disabilities Act (ADA) requirements. We offer aids and services for customers who have visual or other impairments. We provide a TTY phone number for customer service. Our friendly branch team members will assist any customer or prospective customer, such as by reading important documents aloud and helping customers complete forms.  

Find a branch.

All of our ATMs offer the talking ATM feature and meet the Americans With Disabilities Act (ADA) height and reach requirements. Talking ATMs deliver audio information through any standard personal headset (3.5 mm jack), which allows individuals with visual impairments to use our ATMs while keeping their account information private.  You may use your own compatible headset, or we will provide one for you at no charge. To find an accessible ATM, use our ATM locator, ask a team member at any TCF branch, or contact us at 1-800-TCFBANK (823-2265) or 1-800-343-6145 (TTY). If you need a headset, ask a team member at any TCF branch, or contact us at 1-800-TCFBANK (823-2265) or 1-800-343-6145 (TTY).  

We offer aids and services to assist individuals with disabilities, including:
  • We offer alternate statement formats and other printed material.  We provide bank statements and other legally required communications in Braille, large print and audio CD formats.  If you need other information in an accessible format, we will work with you to determine effective means to communicate the information.  This might mean having the document converted to Braille, large print or audio format.
  • We offer sight (raised-line) checks for customers with visual impairments.  These checks are larger checks (8 ½ inches wide by 3 inches tall) with bold lettering and raised text and lines.  To order sight checks, call us or talk to a team member at any TCF branch.  If you are enrolled in digital banking, you can order sight checks by selecting the Accounts tab, choosing the account name and selecting the button Order checks. Select Shop Full Catalog, then Checks, and under special purpose, select click here to see more and choose Sight Check.
  • Team members will assist customers with writing checks and online bill payment.
  • We provide a TTY telephone line to provide customer service to our customers with hearing impairments (1-800-343-6145).
     
We are committed to creating a satisfying and meaningful online user experience for people with disabilities. Online accessibility features include:
  • Screen reader applications. TCF's website is designed to be screen reader friendly. Screen reader users can usually navigate our website using the tab and arrow keys or keyboard shortcuts.
  • Skip navigation. Screen reader users can use this option to skip the main, side, and footer navigation links and directly view the main content of any page for ease of use.
  • ALT Tags in graphics. All our graphics have ALT Tags describing the respective image. This allows persons with physical or technical limitations to collect the information provided by the image.
  • Adjusting browser text size and color. Your internet browser allows you to change the accessibility setting to adjust the text size. To adjust the text in most browsers, please try the following instructions: Go to Tools -> Internet Options -> Click Accessibility -> Check Ignore font sizes specified on Web pages -> Click OK. The browser will then respond to the View -> Text size changes.
  • Captions for deaf individuals. Shown within each video or below each video will be a PDF script giving individuals with hearing disabilities the ability to read video scripts.
  • Minimized screen flicker frequency. TCF's website has little video, flash, or moving on-screen presentations to minimize flicker, movement, or rotations and is designed to avoid causing the screen to flicker with a frequency greater than 2 Hz and lower than 55 Hz.

We know that accessibility is important, and that our customers with disabilities may have other needs.  If you have any questions or concerns about accessibility at TCF, call us at 1-800-TCFBANK (823-2265) or 1-800-343-6145 (TTY), or visit a branch to speak with a TCF team member.

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