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TCF Miles PlusSM Rewards for Business Frequently Asked Questions |
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Review the categories below and click on the appropriate question
for more information..
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OPENING AN ACCOUNT
EARNING POINTS
DETERMINING YOUR POINT BALANCE
REDEEMING POINTS
USING POINTS FOR TRAVEL PURCHASES
OPENING AN ACCOUNT
- How do I get a TCF Miles Plus Business
Check Card?
TCF Miles Plus Business Check Cards are available to any customer
who opens and maintains a TCF Business Checking account. To open
an account, visit a TCF
Bank location or contact us.
- Is my TCF Check Card eligible for
this program?
Only TCF Miles Plus Business Check Cards are eligible for this
program.
EARNING POINTS
- How many points do I earn for each
purchase?
You earn 1 TCF Miles Plus Rewards for Business point ("point")
for every $1 of the qualifying purchase made with your TCF Miles
Plus Business Check Card. For example, a $50 purchase earns 50
points.
- Do I earn points every time I use
my card - even when I make an ATM transaction?
Points are earned for "Qualifying Purchases", which are signature-based,
Internet, phone or mail order merchant purchases processed through
the Visa transaction processing system. Besides merchant purchases,
you also earn points for any automatic bill payments (such as
monthly utility bills) that are charged to your TCF Miles Plus
Business Check Card. ATM transactions, teller line transactions,
or a Cash Advance made with your card do not earn any points.
- How soon after I open my account will
I earn points?
You will earn points on any purchase made with your TCF Miles
Plus Business Check Card after you open your TCF Business Checking
account.
- I have a joint account with two cards.
Do both cards earn points separately, or are they combined into
one total?
With the TCF Miles Plus Rewards for Business program, all cards
issued to an account contribute to one Reward Account total.
- I have two different TCF Business
Checking accounts. Can I combine the points from both accounts?
Point totals for different Business Checking accounts are separate
and cannot be combined.
- Can I combine points from my TCF
Premier Checking account and my TCF Business Checking account?
Point totals for each checking account are separate and cannot
be combined.
- Is there a limit or "cap" to the number
of points I can earn?
There are currently no monthly, annual or lifetime "caps"
on the number of points you can earn. This is subject to change
by TCF. Use your TCF Miles Plus Business Check Card at every opportunity
to maximize your rewards!
- Will my points expire?
Points currently have no scheduled expiration; however, this is subject to change by TCF. If you close your TCF Checking account or do not have a minimum of 1 Qualifying Purchase for 24 consecutive months, your points will be forfeited.
DETERMINING YOUR POINT BALANCE
- How are point totals calculated?
You earn points with every "Qualifying Purchase" made with your
TCF Miles Plus Business Check Card. A Qualifying Purchase is a
purchase processed through the Visa transaction processing system.
See a complete definition of a Qualifying Purchase in the Terms
and Conditions that were included in your Member Guide or once
you sign into TCF Miles Plus Rewards for Business. Or see the
FAQ section entitled "EARNING POINTS."
- How do I find out how many points
I have?
Sign in to TCF Miles Plus Rewards for Business at www.tcfexpress.com/milesplusbusiness
or sign
in to TCF Online Banking and click on the Rewards tab. Your
point balance will appear in the upper right hand corner of the
home page. You can also click on Reward Statement once you sign
in to TCF Miles Plus Rewards for Business for more detail. For
security purposes you will need to have your Business Checking
account number and the secret code you created for your card.
- If I return merchandise, do I lose
points?
If you return a purchase that earned points, returning all or
a portion of that purchase will reduce your point total by the
dollar value of the merchandise returned.
- I just received my monthly checking
account statement and my points do not appear on the website.
Why not?
TCF updates your point totals at the end of every calendar month.
Generally, your points will be recorded 5 to 8 weeks after a purchase
is made with your card.
- If I close my TCF Business Checking
account, will I lose my points?
All points will be forfeited if you close yourTCF Business Checking
account.
- How does a point balance become negative?
If you redeemed points and then returned a purchase that previously
earned points, your account could have a negative point balance.
- I think I have earned more points
than shown on my TCF Miles Plus Rewards for Business account.
Who should I contact regarding the difference?
Remember that points can take 5 to 8 weeks to be reflected in
your Reward Account. You can also look at the history of all points
in the Points Reward history page. Contact
us if you still have questions.
- Why can't I access the TCF Miles
Plus Rewards for Business program?
There are various reasons for not being able to access the reward
site:
- If you are a new TCF Business Checking account holder,
allow 5 business days from the date your account was opened
before attempting to access your Reward Account.
- The reward site may be periodically unavailable for site
maintenance.
- Your point balance may be negative; access is not allowed
until your balance is once again positive.
- I lost my card. Will my points transfer?
Yes, if your TCF Miles Plus Business Check Card number changes
for any reason, your point total will transfer.
REDEEMING POINTS
- How do I redeem my points?
Sign in to TCF Miles Plus Rewards for Business at
www.tcfexpress.com/milesplusbusiness
or sign
in to TCF Online Banking and click on the Rewards tab.
Click Redeem Points at the left for access to VIPexpress and the TCF SuperStore.
You will need your TCF Business Checking account number and the secret code you created for your card.
- Can I turn in my points for cash?
Points are not redeemable for cash.
You can redeem your points for merchandise or air travel rewards.
- I do not have enough points for the
merchandise I want. Can I pay the difference in cash?
No, but continue to use your card for all your merchant purchases and we will keep adding points to your
Reward Account.
The more you use your card, the faster your Reward Account total grows!
- Can I give or transfer my points to
someone else?
Points cannot be transferred to another TCF Miles Plus Rewards for Business account
or any other TCF Miles Plus account.
You can, however, book travel or redeem merchandise for another party.
USING POINTS FOR TRAVEL PURCHASES
- Can I use my points for any airline?
The TCF Miles Plus Rewards for Business travel site, VIPexpress,
has access to major airlines without blackout dates, unlike other
reward programs. Select the departure and arrival cities
to generate flight information from participating carriers.
- Can I use my points for a First Class
ticket?
Yes. VIPexpress allows you to use your points for First Class or Business
Class travel. After you have selected your flight, choose
the flight class seating option.
- Why do I need more than 25,000 points
for some airline tickets?
Unlike other programs, TCF Miles Plus Rewards for Business has no blackout days when you cannot
use your points, no seat restrictions, and you can select the airline and ticket combination you want.
With the TCF Miles Plus Rewards for Business Program, you can often find tickets that require less than 25,000 points.
You can also use your points for over 3 million merchandise items in addition to travel rewards.
- Can I book a rental car or a hotel?
At this time, the TCF Miles Plus Rewards for Business program does not allow rental car or hotel redemptions.
You can use your points for over 3 million items at the TCF SuperStore or through our VIPexpress travel center.
- When I use my points for an airline
ticket, can I also get frequent flier points from that airline?
Yes, if you have a frequent flier account with that airline and
you enter your frequent flier number when you book your flight.
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