TCF Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.50%	1-year CD	13 Month Promotional CD - New Money, In Branch 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
1.30%	Savings	TCF Elite Savings - 1 Year Promo Rate, New Money 1.30% - Nationwide Bank Online Savings Account
2.00%	2-year CD	26 Month Promotional CD - New Money, In Branch 2.25% - Synchrony Bank 24 Month CD

View all TCF Bank rates »

Overview / Commentary

www.tcfbank.com

952-745-2760

2508 South Louise Avenue
Sioux Falls, SD 57106

TCF Bank is headquartered in Sioux Falls and is the 3^rd largest bank in the state of South Dakota. It is also the 76^th largest bank in the nation. It was established in 1923 and as of December of 2017, it had grown to 5,759 employees at 340 locations. TCF Bank's savings rates are 3X the national average, and it has an A health rating.

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!

Comment

3

Small Bank with Potential

Posted by: Leondaisoc | Dec 5, 2017

TCF Bank is good at banking the old fashion way. Their mobile app could use some work. I have had times where there were problems with my account and was able to work with a rep directly to get it resolved. Once it was fraud and they closed my account and was able to reopen a new one and another time a check was taken out of my account twice. That time I had to fight for the funds and almost closed my account but the rep who took over the issue was able to get it resolved and kept me as a customer. This bank could use more locations as the ones are few and far between but I believe they are an upcoming bank and will grow in the future.

Comment

2

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.

Comment

4

TCF IRA Closing Fee

Posted by: HollyHolly | Oct 13, 2017

is $40. You don't find this out until you have filled out all the paperwork.

Comment

1

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Health

A

Data as of Q4 2017

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	28330
Year Established	1923
Employees	5759
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.22%
Return on Equity - YTD	11.09%
Annual Interest Income	$1.04B

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$23.02B$21.46B
Loans	Q4 2017vs Q4 2016	$19.07B$17.95B
Deposits	Q4 2017vs Q4 2016	$18.48B$17.39B
Equity Capital	Q4 2017vs Q4 2016	$2.56B$2.34B
Loan Loss Allowance	Q4 2017vs Q4 2016	$171.0MM$160.3MM
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$122.3MM$184.2MM
Real Estate Owned	Q4 2017vs Q4 2016	$18.2MM$46.8MM

Rates

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Savings
Money Market
Checking
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Always verify rates and promotions with the bank or credit union. We are not TCF 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 Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.30%^*^†	$10k^*	$1m	TCF Elite Savings - 1 Year Promo Rate, New Money
OTHER TIERS: 0.05% → $1k - $10k \| 0.25% → $1mm+
0.50%^*^†	$10k^*	$1m	TCF Elite Savings
OTHER TIERS: 0.05% → $1k - $10k \| 0.25% → $1mm+
0.25%^*^†	-	$2,500	ZEO Savings
OTHER TIERS: 0.01% → $2,500+
0.10%^†	-	-	TCF IRA Savings
0.02%^†	-	-	Cash Management Retirement/Education 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 Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*^†	$25k^*	$1m	TCF 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 Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.01%^†	$2,500	-	TCF Premier Checking
0.01%^†	-	-	TCF Premier 62+ Checking
0.01%^†	-	-	TCF Affinity Checking

TCF Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^†	$500	-	26 Month Promotional CD - New Money, In Branch
1.75%^†	$500	-	20 Month Promotional CD - New Money, In Branch
1.50%^†	$500	-	13 Month Promotional CD - New Money, In Branch
1.50%^†	$500	-	18 Month Featured CD - Existing Customers, In Branch
1.50%^†	$500	-	16 Month Relationship CD
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	-	14 - 20 Month CD
0.15%^†	$500	-	16 Month CD
0.10%^†	$500	-	3 - 13 Month Relationship CD
0.05%^†	$500	-	3 - 13 Month CD

TCF Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^†	$500	-	26 Month Promotional IRA - New Money, In Branch
1.75%^†	$500	-	20 Month Promotional IRA - New Money, In Branch
1.50%^†	$500	-	13 Month Promotional IRA - New Money, In Branch
1.50%^†	$500	-	18 Month Featured IRA - Existing Customers, In Branch
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
0.10%^†	$500	-	3 - 13 Month Relationship CD IRA
0.05%^†	$500	-	3 - 13 Month IRA

Locations

Availability

Detroit Area

Detroit Area bank & credit union details

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