TCF U Card Student Checking Account Next Steps

Thank you for choosing to bank with TCF Bank! The following steps outline what you need to do to activate your checking account and familiarize yourself with using it. There's a lot you will have to do before classes begin, so take some time now to ensure your account is ready when you need it.

University of Minnesota Duluth Sweatshirt

Get your free UMD sweatshirt.

Open and fund your account online, during orientation, or at the UMD campus branch with at least a $25 deposit. Then stop by the UMD campus branch for your free sweatshirt!

TCF Campus Branch

Kirby Plaza
1208 Kirby Dr, Suite 131, Duluth, MN 55812
Hours: Monday to Friday 8 am - 5 pm

Champ the Bulldog is a mark of the University of Minnesota Duluth under license.

Card Activation

Activate your TCF® Debit Card.

You can use your debit card anywhere Visa® is accepted, including at TCF ATMs and to shop online and in stores. Learn how to set up a mobile wallet so you can pay with your phone, and how to tap to pay to make secure payments, fast.

When you don’t know where your debit card is, lock it while you look for it—right from your phone or computer. Still can’t find it? Then cancel it. And don’t worry—locking your debit card does not affect your U Card.

TCF Online and Mobile Banking

Enroll in digital banking

To enroll you’ll need your TCF debit card number and PIN.

Once you’re enrolled, you’ll be able to access important features of your account, such as the TCF Bank mobile app. The mobile app allows you to deposit checks, check your account balance, pay tuition or rent and much more.

For any questions about your PIN, call 1-800-823-2265.

Enroll now
setup direct deposit

Set up direct deposit

Get your paycheck or financial aid faster with direct deposit.

  • Payroll: Request the direct deposit form from your employer.
  • Financial aid: Visit www.d.umn.edu, and log into your my account. Go to MY FINANCES to update direct deposit account information.

To set up direct deposit, you’ll need your TCF account and routing numbers, which you can find in digital banking by going to Accounts & Statements, selecting the account name, and choosing View Account Details.

Learn more
  TCF Debit Card U Card with a linked TCF account
 
Get cash for free at TCF ATMs, both on and off campus
TCF Debit Card
Yes
U Card with a linked TCF account
Yes
 
Make on-campus purchases
TCF Debit Card
Yes, anywhere Visa® is accepted
U Card with a linked TCF account
No, not from your TCF account
 
Shop at stores off campus
TCF Debit Card
Yes, anywhere Visa® is accepted
U Card with a linked TCF account
Yes, anywhere you enter your PIN for payment
 
Shop elsewhere, such as at a restaurant or gas station
TCF Debit Card
Yes
U Card with a linked TCF account
No
 
Shop online
TCF Debit Card
Yes
U Card with a linked TCF account
No
 
Link to a mobile wallet
TCF Debit Card
Yes
U Card with a linked TCF account
No
Free Savings Account

Link your TCF Free Savings account

Be prepared for life’s little surprises. A Free Savings account gives you flexibility with no minimum balance, no monthly fee and a $25 minimum opening deposit. You can link it to your checking account as part of overdraft protection services. Excessive withdrawal and other fees may apply to Free Savings accounts. Limit one account per person. Available to TCF personal checking account customers.

Financial education

Complete TCF Bank's free online Financial Education course.

The TCF Financial Fitness Program lets you grow your financial confidence and knowhow with helpful, on-demand courses. Use the monthly budget tool, learn about credit cards, explore ways to pay for college, and more. TCF sponsors financial education programs developed by EVERFI, an unaffiliated third party. TCF is not responsible for the content of the financial education programs.

Start now
Your Location
Personalize your banking experience by entering your location.
ZIP code is required.