Explore TCF Bank’s suite of bank accounts

TCF Bank offers a variety of personal and business banking solutions — but only services nine states.

Last updated:

TCF Bank

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

TCF Bank has 17 checking and savings options for individuals and businesses, including special accounts for teens, students, international travelers and the elderly. But its lack of service areas and low interest rates may outweigh the perks.

What banking products does TCF Bank offer?

Why should I open an account at TCF Bank?

TCF Bank is a traditional financial institution that offers:

  • Specialized accounts. Choose from 17 personal and business banking products, including options for international travelers, teens, students and seniors.
  • Digital banking. Lock and unlock your debit card, pay bills, deposit checks, create a budget and more through the TCF Bank mobile app.
  • Multi-use debit card. Use your TCF Bank debit card to manage your checking and savings accounts.
  • Gives back to community. TCF Bank provides free financial education to its local communities.

What should I look out for?

Watch out for these potential drawbacks with TCF Bank:

  • Low yields. With the exception of the Elevate Savings account, all APYs range from 0.01% to 0.45%.
  • Limited service area. You must reside in one of TCF Bank’s nine service areas to open an account.
  • Monthly fees. Most accounts have monthly fees, but you can avoid them under certain conditions.

Compare with leading bank and credit union accounts

Name Product APY ATMs Fee
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
A full-service account with convenient, surcharge-free access to two massive ATM networks.
More than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
(can be waived)
A full-service interest checking account that offers automatic rebates of ATM fees. Earn a $200 cash bonus when you add direct deposit.
Free to use anywhere worldwide
(can be waived)
Get a $1000 welcome bonus when you join Sapphire Banking by January 17, 2020. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes any J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days.
Radius Bank Rewards Checking
Radius Bank Rewards Checking
1.20% on balances of $100,000+
1.00% on balances of $2,500 to $99,999.99
More than 20,000 ATMs + unlimited ATM surcharge rebates
Earn cash back with this high-interest checking account, plus get free ATM access worldwide.
Access to 16,000 ATMs and nearly 5,000 branches nationwide
(can be waived)
Get a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account. Chase's simplest checking account is easy to use and gives you access to 16,000 ATMs and nearly 5,000 branches.
38,000 fee-free ATMs nationwide
Linked checking and savings accounts from a mobile-first bank that’s light on fees.

Compare up to 4 providers

TCF Bank customer service

Chat with a TCF Bank customer service representative by:

  • Phone: 612-823-2265 or 800-823-2265 – weekdays from 7 a.m. to 9 p.m. CT, Saturdays from 7 a.m. to 6 p.m. CT and Sundays from 9 a.m. to 6 p.m. CT.
  • In-person: Branch location near you
  • Twitter: @TCFCares

Bottom line

TCF Bank offers nearly 20 banking products for personal and business use. But it’s interest rates are low and it only serves nine states. If you’re in the market for higher yields and a broader service area, shop around for other accounts before you decide.

Frequently asked questions

Was this content helpful to you? No  Yes
Go to site