TCF^® Base Account

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

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.

Details

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

Online and mobile banking

Online and mobile banking
Check your account balance, deposit checks, transfer money and more.
Mobile payment options

Mobile payment options
Make purchases directly from your checking account using Apple Pay^®, Google Pay^™ and Samsung Pay.
Online bill pay

Online bill pay
Pay bills quickly and easily, no stamp required.
Debit card

Debit card
Instantly lock your debit card it if it’s lost. Pay quickly with contactless payments.
Free withdrawals at TCF ATMs

Free withdrawals at TCF ATMs
Visit convenient locations near you.
Free financial education

Free financial education
Helpful online courses teach banking basics.

Available funds

Available funds
The time of day and type of deposit affect when your funds are available.
Learn more
Routing number

Routing number
Find your routing number with the help of this guide.
Learn more

Mobile app
Use our mobile app to quickly view your account balance, deposit checks, get alerts and pay bills.
See how
Secured Visa^® Card
Get the credit card that helps you to start fresh by building or rebuilding credit.
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Free financial education
The TCF Financial Fitness Program has free, online courses to help you improve your financial know-how and gain confidence in your financial knowledge.
Start now