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  2. TCF National Bank

TCF National Bank

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.50%1-year CD13 Month Promotional CD - New Money, In Branch
1.50% - Goldman Sachs Bank USA 12 Month CDAdvertisement
1.30%SavingsTCF Elite Savings - 1 Year Promo Rate, New Money
1.35% - CIT Bank Premier High Yield Savings
2.00%2-year CD26 Month Promotional CD - New Money, In Branch
1.65% - Goldman Sachs Bank USA 24 Month CDAdvertisement
View all TCF National Bank rates »

Overview / Commentary
www.tcfbank.com
952-745-2760
2508 South Louise Avenue
Sioux Falls, SD 57106

TCF National Bank is headquartered in Sioux Falls and is the 3rd largest bank in the state of South Dakota. It is also the 75th largest bank in the nation. It was established in 1923 and as of June of 2017, it had grown to 5,889 employees at 340 locations. TCF National Bank's savings rates are 3X the national average, and it has an A health rating.

Related Posts

TCF Bank Adds Promo CDs and Elite Savings Account - 8/23/2017

TCF Bank has two Promo CDs and Elite Savings (1.30% APY, $10k min, 1 year guarantee) in AZ, CO, IL, MI, and WI. New money and in-branch opening required.

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Reviews (26)

They're even open on Sundays!

Posted by: Cardinals2004 | Jun 10, 2015

I joined TCF Bank when I moved back to southeast Michigan, as my previous bank in New York did not offer locations in my area. I signed up for a checking account from TCF, which included free use of a VISA debit card and no maintenance fees. I now use my card as my primary source of payment for everyday use; I do not carry cash. The web banking site is very user-friendly and secure, which is a huge plus. Another perk of TCF is that most every location is open on Sundays -which is very uncommon! While I typically execute transactions through the ATM or electronically, the staff has also been friendly when I have stopped inside. One thing I do not like is that cash deposited through ATMs after 3 p.m. is not available until the next business day and checks deposited the same way are subject to a two-day hold. Other than that, I am a happy TCF customer!

3

Average Bank

Posted by: Thomas777 | Aug 10, 2016

Overall, TCF Bank is average. Its big, has tens of thousands of customers and hundreds of branches. Its not a bank where you'll get awesome customer service every single time. As a former employee, we found that many people complain about TCF (more so than Wells Fargo, BMO etc.) and even to your face. However, more often than not, these people usually have or had a difficult time managing their money and incur fees which they agreed to upon opening their accounts and then complain that they are being unfairly treated. In the past, TCF's fee structure was set up unfairly. As far as I know, this was addressed to make the bank more competitive, by being one of the first mainstream banks in MN to offer a 100% free checking account.

2

Don't ever try to leave them!

Posted by: MarcelPierce | Nov 7, 2014

I actually had a fine experience with TCF Bank... while I was there. I knew going into them that they had some pretty crazy overdraft fees but since I never overdrafted in the 10ish years I was with them, that really wasn't a issue. I loved that they had a free coin machine for customers, something I have not found since I moved out of the north east.

When I ran into trouble with TCF was when I tried to leave. I moved and the part of the country I was moving to had no TCF banks at all. My intention was to transfer the money from one bank to another via check- which I did- then cancel the account at TCF. They wouldn't let me. Literately. They told me that I am not allowed to cancel the $0 balance account in my name unless I drive back to Michigan and show up in person and get something notarized. For the first time in my life with them, they were rude and condescending to me, and over something very, very silly and minor. The fact that they refused any and all amounts of identification that I could provide them over the phone, via email or fax baffled me further.

I eventually figured out, after some research, that they auto close accounts that remain overdrafted after a certain period of time. I called them again, gave them one last opportunity to let me close the account, told them I was aware of their cancellation policy on overdrafts and flat out told them I was going to buy dinner on their behalf if they didn't let me cancel.

I ate well that night, and now my accounts closed.

4

Update Online Banking Is A Nightmare !!!

Posted by: Mark Hallin | Sep 7, 2017

9/07/2017
all of my scheduled payments disappeared, i was on the phone for over an hour to fix the problem. this is hands down the Worst online banking system ever. i have never need any assistance with any other online banking, so i am pretty sure i am not the problem.
I will be taking my business some where else !

2
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Health
A

Data as of Q2 2017

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #28330
Year Established1923
Employees5889
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.96%
Return on Equity - YTD8.79%
Annual Interest Income$501.8MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$22.07B$21.08B
LoansQ2 2017vs Q2 2016$18.37B$17.67B
DepositsQ2 2017vs Q2 2016$17.66B$17.35B
Equity CapitalQ2 2017vs Q2 2016$2.44B$2.31B
Loan Loss AllowanceQ2 2017vs Q2 2016$165.6MM$158.6MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$128.9MM$196.4MM
Real Estate OwnedQ2 2017vs Q2 2016$28.7MM$36.8MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

TCF National Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.30%*†$10k*$1mTCF Elite Savings - 1 Year Promo Rate, New Money
OTHER TIERS: 0.05% → $1k - $10k | 0.25% → $1mm+
0.50%*†$10k*$1mTCF Elite Savings
OTHER TIERS: 0.05% → $1k - $10k | 0.25% → $1mm+
0.25%*†-$2,500ZEO Savings
OTHER TIERS: 0.01% → $2,500+
0.10%†--TCF IRA Savings
0.02%†--Cash Management Retirement Account
0.02%†--SEP Savings Account
0.01%†$2,500-TCF Premier Savings
0.01%†--TCF Power Savings
0.01%†--TCF Regular Savings
0.01%†--TCF Affinity Savings
0.01%--TCF Free Savings

TCF National Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*†$25k*$100mTCF Business Premier Money Market - New Money
OTHER TIERS: 0.03% → $10k - $25k
0.01%†--TCF Small Business Money Market
0.01%†--TCF Power Money Market

TCF National Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%†$2,500-TCF Premier Checking
0.01%†--TCF Premier 62+ Checking
0.01%†--TCF Affinity Checking

TCF National Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%†$500-26 Month Promotional CD - New Money, In Branch
1.50%†$500-15 Month Relationship CD
1.50%†$500-13 Month Promotional CD - New Money, In Branch
1.50%†$500-17 Month Featured CD - Existing Customer, In Branch
1.40%†$500-13 Month Featured CD - Existing Customers, In Branch
0.50%†$500-62 - 120 Month Relationship CD
0.45%†$500-62 - 120 Month CD
0.40%†$500-49 - 61 Month Relationship CD
0.35%†$500-49 - 61 Month CD
0.35%†$500-37 - 48 Month relationship CD
0.30%†$500-37 - 48 Month CD
0.30%†$500-30 - 36 Month Relationship CD
0.25%†$500-30 - 36 Month CD
0.25%†$500-21 - 29 Month Relationship CD
0.20%†$500-21 - 29 Month CD
0.20%†$500-14 - 20 Month Relationship CD
0.15%†$500-15 Month CD
0.15%†$500-14 - 20 Month CD
0.10%†$500-3 - 13 Month CD
0.05%†$500-3 - 13 Month Relationship CD

TCF National Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%†$500-26 Month Promotional IRA - New Money, In Branch
1.50%†$500-13 Month Promotional IRA - New Money, In Branch
1.50%†$500-17 Month Featured IRA - Existing Customer, In Branch
1.50%†$500-15 Month Relationship IRA
1.40%†$500-13 Month Featured IRA - Existing Customers, In Branch
0.50%†$500-62 - 120 Month Relationship IRA
0.45%†$500-62 - 120 Month IRA
0.40%†$500-49 - 61 Month Relationship IRA
0.35%†$500-37 - 48 Month relationship IRA
0.35%†$500-49 - 61 Month IRA
0.30%†$500-30 - 36 Month Relationship IRA
0.30%†$500-37 - 48 Month IRA
0.25%†$500-21 - 29 Month Relationship IRA
0.25%†$500-30 - 36 Month IRA
0.20%†$500-21 - 29 Month IRA
0.20%†$500-14 - 20 Month Relationship IRA
0.15%†$500-14 - 20 Month IRA
0.15%†$500-15 Month IRA
0.10%†$500-3 - 13 Month Relationship CD IRA
0.05%†$500-3 - 13 Month IRA
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Detroit Area

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