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Review the categories below and click on a question for more information.
ACCOUNT INFORMATION
ATM USE
FUNDS AVAILABILITY
RETURNED DEPOSITED ITEMS
AVOIDING OVERDRAFTS
ELECTRONIC CHECK PRESENTMENT
TCF CHECK CARD
ACCOUNT INFORMATION
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How do I access my account information?
There are several ways to access your account information.
If you have a retail checking account, an Insured Cash
Management account, or a savings account with a secret
code, you may access your account by using our
24-hour automated Express Phone service.
You can also receive account balance information, view recent
transaction activity, transfer funds and pay bills when you enroll
for TCF Online Banking and Online Bill Payment.
If you have a TCF Check Card, , TCF Miles PlusSM Card or a TCF EXPRESS TELLER
ATM Card, you can receive balance information,
a mini-statement, or a statement update at any TCF
EXPRESS TELLER ATM location. Find an ATM location near you.
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How do I get interest information on my accounts?
Phone our 24-hour automated Express Phone service to get interest information on your accounts.
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How can I get more information about fees and services relating to TCF's deposit account products?
Listed below are links to the fees and services schedule for TCF's most common deposit account products. You many also obtain information about TCF's privacy policy by selecting the link displayed below. For the Deposit Account Services and Prices Schedule, select the state where you opened your account. This may not be where you currently live.
These documents may not reflect current revisions. Visit a TCF Bank location for more information.
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ATM USE
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What is the daily withdrawal limit at TCF EXPRESS TELLER ATMs?
The daily withdrawal limit varies by account. In general, a maximum of $500 can be withdrawn daily from your TCF account.
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Is there a fee to use a TCF EXPRESS TELLER ATM for deposits or withdrawals?
No. There is no charge at TCF EXPRESS TELLER ATMs to conduct deposits, withdrawals, balance inquiries and transfers involving your TCF account, providing you have sufficient funds in your account.
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Is there a fee for using other banks' ATMs?
The bank that owns the ATM charges an access fee, which varies by bank and is disclosed on the screen prior to your transaction. TCF also charges a fee when using an ATM that is not owned by TCF.
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Will I be charged a fee if I overdraw my account while making an ATM withdrawal?
Yes. Keep track of your balance to avoid these service fees.
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FUNDS AVAILABILITY
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After depositing checks, when are my funds available for withdrawal?
Funds from the types of deposits noted below to your TCF checking account are generally available as follows:
| Cash and Wire Transfer Funds |
Same Business Day |
| U.S. Treasury Checks |
First Business Day after Deposit |
| Checks drawn on TCF |
First Business Day after Deposit |
| State and Local government checks |
First Business Day after Deposit* |
| Cashier's, certified and teller's checks Payable to you |
First Business Day after Deposit* |
| Federal Reserve Bank checks, Federal Home Loan Bank checks and postal Money orders, if payable to you |
First Business Day after Deposit |
| *Upon request at time of deposit |
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Availability of funds from other types of deposits are set out in TCF's Funds Availability Schedule. You can pick up a TCF Bank Funds Availability Schedule for more detailed information at any TCF location.
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RETURNED DEPOSITED ITEMS
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AVOIDING OVERDRAFTS
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How can I get overdraft protection on my checking account?
A credit application for overdraft protection is available from any TCF consumer lender. Find a TCF location near you.
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How can I avoid overdraft and returned item service fees?
The best way to avoid these fees is to manage your account wisely so you do not overdraw it. You can phone TCF Customer Service to determine the amount of Available Funds in your account. You may transfer funds into your account in person at a branch, at an ATM, online, or by phone. Learn more about how to avoid overdraft and returned item service fees.
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ELECTRONIC CHECK PRESENTMENT
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What is Electronic Check presentment?
Some merchants use an electronic process to receive payments from your account. You may be asked to sign a payment authorization, after which your canceled check will be returned to you immediately. The payment request will then be sent to your bank electronically.
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TCF CHECK CARD QUESTIONS
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Does TCF charge a fee when I use my TCF Check Card at merchant locations?
TCF does not charge a fee when you use your card at merchant locations if you select "credit" as your payment option. TCF charges a POS Transaction Fee if you select "debit." Refer to TCF's Deposit Account Services and Prices Schedule for the amount of this fee.
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How long does it take to receive a TCF Check Card?
It takes approximately 5-10 business days from the order date to receive your TCF Check Card. It will be mailed to the address you have specified on the account.
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