Municipal Solutions

TCF offers solutions that are tailored to meet the needs of our municipal clients. By completing a comprehensive review of your banking needs, we are able to recommend solutions that help your organization manage its finances at peak efficiency.

Whether you want to improve cash flow, automate routine banking tasks or improve returns on your deposits, we have the solutions to help your organization. We work diligently to understand your organization. Our products and services are backed by experienced municipal banking professionals who guide you through the process and make sure all your banking goals are met.


We have a host of innovative deposit services specifically designed for your school or municipality. Whether you carry a high or low daily balance, handle a large or small volume of deposits or have more specialized needs, we have a solution that will work for your organization. Experience tells us that schools and municipalities have many different banking needs and we are prepared to assist you in meeting each of them.
Municipal NOW Checking

The Municipal Negotiable Order of Withdrawal (Muni NOW) is an interest-bearing checking account designed especially for villages, townships, cities, counties, schools and other publicly funded organizations. It combines the earning power of a money market account with the convenience of unlimited check writing.

Municipal Analyzed Checking

Non-interest-bearing account designed for customers with a higher monthly transaction volume. Features a competitive earnings credit rate, which can help offset transaction and monthly Treasury Management charges.

Municipal Hybrid Checking


Features a competitive earnings credit rate and a variable interest rate on balances not used to offset service charges.

Certificates of Deposit

Municipal short-term, mid-term, and long-term CDs can help you meet your financial goals. We will work with you to find an option that is suited to the needs of your organization. Offers interest calculated on a 360-day basis.

Municipal Money Market Deposit Account (MMDA)

An interest-bearing savings account that allows unlimited deposits; transactions limitations apply.*

*To avoid a $15 excessive withdrawal fee, only make up to six of the following transfers/withdrawals from your savings or money market account during a month or your monthly statement period: (1) to another account you have with TCF or to a third party by pre-authorized or automatic transfer; (2) by telephone, fax, or digital banking; (3) by check or draft; (4) by debit card (if we have issued a card for your account); or (5) by similar order by you and payable to third parties.

Financing Solutions

TCF plays an active role in financing local municipalities and organizations. We offer tax-exempt financing for public agencies including: installment purchase agreements, bond purchases, state aid notes and more.
hundred dollar bills

Manage Cash Efficiently

TCF offers a comprehensive selection of treasury management products and services to fit the needs of commercial and municipal clients, from collections to disbursements and reporting services.

Questions? We're here to help.

All loans/leases are subject to credit approval. Equal Opportunity Lender
This website uses cookies to remember users and understand ways to enhance their experience.
By browsing our site or by clicking the ‘Confirm’ button, you agree to the use of our cookies.
To find out more about cookies and your privacy choices, visit our Privacy page.