Featured Savings Rates
Featured Accounts

They're even open on Sundays!

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!

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.

Don't ever try to leave them!

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.

Worst Bank In Minneapolis, MN

Posted by: crispania | Jun 14, 2014

TCF Bank charges $35.00 a pop if your account is overdrawn $0.1 or $10,000. They post NSF fees first, so your account continues to be overdrawn after other transactions have posted.

Sometimes, you are maxed out but the online record is off, and then you are hit with NSFs fees in a tsunami effect.

Customer service is always bad. The IDS location is a sweat shop and their service slow.

Better bank somewhere else.



Health Grade Components

FDIC Certificate #28330
Year Established1923
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.02%
Return on Equity - YTD9.38%
Annual Interest Income$951.1MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$21.46B$20.70B
LoansQ4 2016vs Q4 2015$17.95B$17.44B
DepositsQ4 2016vs Q4 2015$17.39B$16.87B
Equity CapitalQ4 2016vs Q4 2015$2.34B$2.21B
Loan Loss AllowanceQ4 2016vs Q4 2015$160.3MM$156.1MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$184.2MM$202.5MM
Real Estate OwnedQ4 2016vs Q4 2015$46.8MM$50.0MM
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not TCF National Bank; we are a rate comparison website and cannot provide official rates or promotions.

* 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

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
0.02%--Cash Management CESA Account
0.01%$2,500-TCF Premier Savings
0.01%--TCF Power Savings
0.01%--TCF Regular Savings
0.01%--TCF Elite Savings
0.01%--TCF Affinity Savings

TCF National Bank Money Market Rates

0.35%*$25k*$100mTCF Business Premier Money Market - New Money
OTHER TIERS: 0.02% $10k - $25k
0.01%--TCF Small Business Money Market
0.01%--TCF Power Money Market

TCF National Bank Checking Account Rates

0.01%$2,500-TCF Premier Checking
0.01%--TCF Premier 62+ Checking
0.01%--TFC Affinity Checking
0.01%--TCF Alumni Checking - in branch only

TCF National Bank CD Rates

0.50%$500-15 Month Promotional CD - New Money
0.50%$500-62 - 120 Month Relationship CD
0.45%$500-62 - 120 Month CD
0.40%$500-14 Month Relationship 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%$500-15 - 20 Month Relationship CD
0.15%$500-14 Month CD
0.15%$500-15 - 20 Month CD
0.10%$500-3 - 13 Month Relationship CD
0.05%$500-3 - 13 Month CD

TCF National Bank has 337 locations. Click to view all TCF National Bank locations.