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COVID-19 Response

The safety and welfare of the communities we serve are a top priority for us.

We recognize that these are challenging times, but we want you to know that your money is secure and our team is here to help.

We’re here for you

We want to assure you that we will continue to serve our customers and support our communities during this time.

  • Banking center changes

    As of January 19, 2021, most banking center lobbies are now open for walk-in lobby service, along with drive-up services. In-store locations and those without a drive-up are also open for walk-in service. Please visit our banking center locator to check the status of your preferred location.

    Find a location near you

  • Caring customer service

    As we support those impacted by COVID-19, we are experiencing longer than normal call volume. Self-service options are available to assist you. Use these automated options to:

    • Check your available balance and recent transactions
    • Report a lost or stolen card or activate a new one
    • Reorder checks
    • And more
    Contact customer service
  • Bank from your home 24/7

    During this time we want to remind you that you can always access your account from the comfort of your home 24/7 with digital banking and our mobile app to:

    • Deposit checks
    • Pay bills
    • View your account balance
    • Transfer money
    • And much more
    Additional ways to bank with us

Hardship assistance

Caring like a neighbor is one of our core beliefs when serving customers and team members. To support our customers and communities, we have implemented new measures to alleviate the economic impact of the coronavirus.

  • For customers
    Mortgage and Home Equity payment deferrals: If you are facing hardship due to sickness or workplace closure, we are offering payment deferrals on TCF mortgage, home equity loans and home equity line of credits with no credit bureau impact and no late fees. Some mortgages may be eligible for additional payment deferrals.

    Payment Forbearance Assistance: Under the CARES Act, borrowers with a Federally backed mortgage loan who are experiencing a financial hardship due, directly or indirectly, to the Covid-19 emergency are eligible for a payment forbearance of up to 180 days, which may be extended for an additional period of up to 180 days, for a maximum forbearance of up to 360 days. Borrowers also have the option at any time to shorten the forbearance period and resume payments. (A “forbearance” is a temporary workout option for borrowers with a financial hardship that provides for a period of reduced or suspended payments; this may be followed by either a full reinstatement, loan payoff, or workout option to enable the borrower to resolve the delinquency.)

    To request assistance, please contact us Monday-Friday from 8 a.m. to 5 p.m. CST at 1-866-866-6577. Due to high demand, call wait times may be longer than normal. You can also email us at LoanCollections@tcfbank.com and we will contact you about your situation.

    Personal loans: We have developed a hardship program so those affected by the coronavirus can immediately skip up to two monthly payments, without incurring interest or late payment fees during that time. These payments will not be due until the end of the loan. Longer term hardship plans are also available if this emergency continues.

    To apply, borrowers need to complete a hardship assistance request form that may be found by:

  • For businesses

    Every one of our business customers is unique and we have a variety of tools to help those impacted by the coronavirus. These include payment deferrals, restructuring, access to short term working capital, and other financing options. Please call us at the phone number on your invoice or contact your relationship manager to discuss options that can help you and your business.

    Small Business Relief – Various programs are now being offered to help small businesses and their employees cope with the impacts of COVID-19. The Paycheck Protection Program and Economic Injury Disaster Program are providing businesses with the opportunity for loan relief that will help with recovery and operations.

    Learn more

  • For TCF team members
    In recognition of the challenges that essential front-line employees faced as they continued to support the critical banking needs of our customers we provided a temporary wage increase for more than 2,900 team members who are unable to work from home.

Government economic impact payments

As part of the American Rescue Plan Act of 2021, recently signed into law, a third round of stimulus payments are being distributed to eligible Americans. The new round of payments will vary in amounts based on IRS criteria and eligibility. To learn more, see if you qualify, learn how you will receive your payment or check payment status, please visit the IRS website.

  • Direct deposit

    If your prior tax refund was deposited into a TCF Bank account, your economic impact payment will be deposited into the same account, (if it remains open). Eligible customers can expect to begin receiving the funds beginning March 17. However, not all stimulus payments will be disbursed at the same time. Those who don’t receive direct deposits can expect to receive payment via paper check or prepaid card, delivered over several weeks beginning mid-March.

    You can verify if your payment has been deposited through:
  • Paper checks

    If you’re expecting a paper check you can easily deposit it into a TCF account through:

Frequently asked questions

  • How can I stay updated on what's happening?

    We are continually monitoring official developments and safety recommendations related to COVID-19 and we will update this page. For the additional information about COVID-19, get the latest report from the CDC at cdc.gov/COVID19 or your local health department website.

  • What transaction can I complete within digital banking?
    In TCF digital banking and in the mobile app you can deposit checks, pay bills, view your account balance and recent transactions, move money between accounts, and much more.
  • What transactions can I complete with TCF convenient phone banking?
    Easily manage your TCF accounts with one phone call on our 24/7 system. Call 1-800-TCF-BANK. In our phone banking system you can check your available balance, hear all recent transactions, transfer funds, change your PIN, activate a new card, report a lost/stolen card, order a summary statement of recent transactions, and reorder checks.
  • How can I update my contact information?
    You can update your contact information when you log in to digital banking. To update your address, go to “settings”, and under Profile, select Change. To update your phone and/or phone number, log into digital banking, go to “settings”, under Profile, select Change contact info. A verification code will be sent to the email on file. Enter the verification code, then select Continue. Update your email and/or phone number.
  • My 2019 tax refund was deposited into a TCF Bank account that is now closed. What should I do?

    If your 2019 tax refund was deposited into a TCF Bank account that is now closed, your IRS economic impact payment will be returned to the IRS. The US Treasury will then issue a check once the direct deposit is returned.

    For more information about the economic impact payments please visit irs.gov/coronavirus.

  • Are you cleaning ATMs and branches more frequently?

    We have enhanced the frequency and scope of our daily cleaning procedure based on best practices recommended by the CDC. Our team members will be sanitizing teller stations, keypads, ATMs, coin counting machines and other high-touch surfaces on a more frequent basis to help ensure the health of our customers.

  • What if my banking center has to close?

    If your local banking center is temporarily closed, please visit tcfbank.com/locations to find other convenient ATM and banking center locations.

  • How do I access my Safe Deposit Box if my local banking center is closed?

    You can reach out to your banking center and schedule an appointment.

  • How can I deposit a check from home?

    You can deposit a check through digital banking or via mail.

  • How can I renew a CD without vising my local banking center?
    Call 833-823-2265 and our contact center team members will be able to assist you.
  • What transactions can I complete at the drive-up banking center locations?

    You can deposit/withdraw money, exchange currency and renew CD(s).

  • I don't drive. Can I walk up to the drive-up?

    Yes, but be cautious and attentive to cars.

  • Can I get my banking done without visiting a banking center?
    You can access your account from the comfort of your home 24/7 with digital banking, phone banking and our mobile app. Our convenient ATMs, mobile wallet and tap to pay are also great options. We will also accept checks for deposit by mail when sent to your local banking center.
  • How do I enroll in digital banking?
    Enroll in online banking on tcfbank.com or in our mobile app.
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