TCF Base Account

TCF® Base Account

An affordable account with digital banking, direct deposit and more, with no overdraft fees possible.

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  • Never have an overdraft or non-sufficient funds (NSF) fee. If there’s not enough available money in your account to cover a transaction, the transaction will not be paid.
  • Digital banking with a mobile app lets you deposit checks anytime using your phone, use online bill pay and customize balance alerts.
  • Instantly lock your debit card if you lose it, right from your phone or computer.
  • Free withdrawals at TCF ATMs.
  • Free online statements.
  • Free, instantly issued debit card with tap to pay and fraud alerts to help keep your money safe.
  • Pay with your phone using Apple Pay®, Google Pay™ or Samsung Pay.
  • Checks not available with this account. However, money orders and official checks are available, fees apply.


  • $4 monthly maintenance fee, other fees may apply.
  • $25 minimum opening deposit.
  • No minimum balance required.

Other fees, including paper statement and dormancy fees, may apply.
View a summary of Base Account’s most common fees and terms here.

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