Easily manage money with a ZEO Card

ZEO Prepaid Visa® Debit Card

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Manage your finances easily with a ZEO Card, a reloadable prepaid debit card that lets you stay on budget.

On March 1, 2019, we will no longer offer this card. Please spend or withdraw any money on the card before that date. A check will be issued for any remaining balance after March 1, 2019.

  • FREE cash reloads at any TCF branch.
  • USE with mobile payment services, including Apple Pay®, Google Pay and Samsung Pay.
  • FREE online account management.
  • NO overdraft fees.
Easily add money to your ZEO Card

Easy to add money

  • At a branch: Add cash to your card for free at any TCF branch.
  • Direct Deposit: No fees to set up direct deposit to get your paycheck, government funds (tax refunds, benefits) and other money added to your card quickly.
  • Visa ReadyLink: You can also add cash at any Visa ReadyLink. Find locations here.
Easy options to use your ZEO Card

Easy to use

On March 1, 2019, we will no longer offer this card. Please spend or withdraw any money on your card before March 1, 2019—after that date, the remaining balance will be issued to you via check.
  • Go shopping: Shop securely online, in stores or anywhere Visa is accepted.
  • Make payments: Set up bill payments with thousands of merchants using your ZEO Card.
  • Get cash: Withdraw cash at a TCF Branch, at any ATM (fees apply if non-TCF ATM), or at merchants that offer cash back with purchase.
  • Manage your account online: Set up alerts or check your balance and transactions online.
  • Pay with your mobile phone: Make purchases using the latest Mobile Payment services, including Apple Pay®, Google Pay and Samsung Pay.
Features and benefits of the ZEO Card

Ways to use the ZEO Card

  • Stay on budget: Use your ZEO Card to budget monthly expenses like groceries or entertainment.
  • Watch your spending: You can only spend what you have on your card, so never worry about overdraft fees.
  • Keep your money safe: Use your ZEO Card as a safer alternative to carrying cash, especially while traveling. Your card is not tied to your TCF accounts, so you keep your main funds separated.
  • Your funds are protected by our zero liability policy, and are FDIC insured.
Learn more details about the ZEO Card

ZEO Card details and fees

  • No credit check required to apply
  • One-time $4 purchase fee
  • A monthly maintenance fee of $4
  • No overdraft fees
  • Minimum initial deposit of $25 required to open
  • No minimum balance to maintain card

See a complete list of ZEO Card fees and policies.

Existing customers, please use the money on your card before March 1, 2019, when we will no longer offer this card. After March 1, 2019, any remaining balance will be issued to you via check.

You can log into your account here.

Easy to open.

Visit any TCF branch to get started.

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