CHECKING & SAVINGS

We makes banking easier

Each TCF account is jam-packed with handy features to help you bank better.

  • CHECKING
  • SAVINGS
  • CD
  • IRA
COMPARE AND SHOP TCF CHECKING ACCOUNTS

TCF Free Checking®

  • No monthly maintenance charge for active accounts with online statements
  • A convenient, free checking account with all of our standard features
  • Checks available for order

$25

Minimum opening deposit

$0

Monthly maintenance charge
Other fees may apply
Please provide your ZIP to open account online
  • No monthly maintenance charge for active accounts with online statements
  • A convenient, free checking account with all of our standard features
  • Checks available for order

TCF® Premier Checking

$25

Minimum opening deposit

$15

Monthly maintenance charge

Waived with a minimum daily account balance of $2,500 or minimum daily combined balance of $15,000. Other fees may apply
Please provide your ZIP to open account online

TCF® Base Account

  • Never have an overdraft or non-sufficient funds (NSF) fee
  • Checks are not available with this account, but official checks are available for purchase
  • No minimum balance required

$25

Minimum opening deposit

$4

Monthly maintenance charge

Other fees may apply

Please provide your ZIP to open account online
  • Never have an overdraft or non-sufficient funds (NSF) fee
  • Checks are not available with this account, but official checks are available for purchase
  • No minimum balance required

TCF® Teen Checking

  • No monthly maintenance charge for active accounts
  • For ages 14-17 with an adult cosigner
  • TCF fee refunded for up to two withdrawals at non-TCF ATMs per statement cycle

$25

Minimum opening deposit

$0

Monthly maintenance charge

Other fees may apply

Please provide your ZIP to open account online
  • No monthly maintenance charge for active accounts
  • For ages 14-17 with an adult cosigner
  • TCF fee refunded for up to two withdrawals at non-TCF ATMs per statement cycle

Why choose TCF checking?

Each TCF checking account is jam-packed with handy features to help you bank better.
  • Digital banking with online bill pay
  • Mobile app with mobile deposit
  • Debit card enabled with tap to pay for a fast, secure shopping experience – use when you see the contactless payment symbol.
  • Free TCF ATM withdrawals
  • Free online statements
  • Direct deposit enabled
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CHECKING & SAVINGS

TCF Free Savings

Be prepared for life’s little surprises. A Free Savings account gives you a separate place to build your savings, with no monthly charge for active accounts. Excessive withdrawal and other fees may apply. Available to TCF personal checking customers. Limit one account per person.
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Our Welcome Kit includes tips and topics to help you make the most of your account.
COMPARE AND SHOP TCF BANK SAVINGS ACCOUNTS

TCF® Free Savings

  • No monthly maintenance charge or minimum balance for active accounts
  • Earn interest starting with your first penny
  • Use your checking account debit card at TCF ATMs to access your savings and checking accounts
  • Available to TCF personal checking account customers only; limit one account per person

$25

Minimum opening deposit

$0

Minimum monthly maintenance charge

Other fees may apply

Please provide your ZIP to open account online
  • No monthly maintenance charge or minimum balance for active accounts
  • Earn interest starting with your first penny
  • Use your checking account debit card at TCF ATMs to access your savings and checking accounts
  • Available to TCF personal checking account customers only; limit one account per person

TCF® Classic Savings

  • Earn interest starting with your first penny
  • Use your ATM card to make free withdrawals at TCF ATMs; if you have a checking account, you can link your savings account to your debit card

$25

Minimum opening deposit

$4

Monthly maintenance charge; waived with a $100 minimum daily account balance

Other fees may apply

Please provide your ZIP to open account online
  • Earn interest starting with your first penny
  • Use your ATM card to make free withdrawals at TCF ATMs; if you have a checking account, you can link your savings account to your debit card

TCF® Elevate Savings

  • A savings account designed for larger balances
  • Earns interest
  • Use your ATM card to make free withdrawals at TCF ATMs; if you have a checking account, you can link your savings account to your debit card
  • New money required; limit one account per person

$25

Minimum opening deposit

$10

Monthly maintenance charge; waived with $5,000 minimum daily account balance

Other fees may apply

Please provide your ZIP to open account online
  • A savings account designed for larger balances
  • Earns interest
  • Use your ATM card to make free withdrawals at TCF ATMs; if you have a checking account, you can link your savings account to your debit card
  • New money required; limit one account per person

TCF® Money Market

$25

Minimum opening deposit

$10

Monthly maintenance charge; waived with $2,500 minimum daily account balance

Other fees may apply

Please provide your ZIP to open account online

Why choose TCF savings?

TCF savings accounts offer many features and benefits to help you bank better. 

  • Earn interest
  • Free digital banking, including transfers between your TCF checking and savings account; limits apply
  • Use planning tools to set savings goals
  • Link to your checking account and set up an overdraft protection transfer service
  • Use one debit card at TCF ATMs for both your savings and checking accounts

Certificate of Deposit

Explore CD rates that help you build your savings with a fixed rate for the term you select.
  • Earns interest
    Earn a fixed, competitive interest rate on your certificate of deposit.
  • Wide range of terms
    Choose from 3 months to 10 years. CDs with longer terms typically have higher CD rates.
  • $100 minimum to open. Early withdrawal penalties may apply

Please provide your ZIP to open account online
Explore CD rates that help you build your savings with a fixed rate for the term you select.
  • Earns interest
    Earn a fixed, competitive interest rate on your certificate of deposit.
  • Wide range of terms
    Choose from 3 months to 10 years. CDs with longer terms typically have higher CD rates.
  • $100 minimum to open. Early withdrawal penalties may apply

*Annual Percent Yield. Other terms apply. Offer available to Minnesota residents for personal accounts opened in Minnesota. Review the Terms and Conditions for Certificate of Deposit accounts. Early withdrawal penalties and other fees may apply.

Pricing schedule and fee information

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See how a CD laddering strategy can give you better rates while keeping funds periodically accessible at certain timeframes.

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Find out which is the best place for you to grow your money.
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Explore the extra benefits of our Premier Checking account, including no TCF fees at ATMs, earns interest, waived international transaction fees and more.

Individual Retirement Accounts

One of the smartest, most tax-efficient ways to save for retirement is with an Individual Retirement Account (IRA). TCF offers both Traditional and Roth IRA plans, as well as savings and CD investment options to diversify your money and maximize your earning potential. It's never too early to start.

$0

Monthly maintenance charge

Consult a tax and/or legal advisor for guidance and information on which account fits your situation.
One of the smartest, most tax-efficient ways to save for retirement is with an Individual Retirement Account (IRA). TCF offers both Traditional and Roth IRA plans, as well as savings and CD investment options to diversify your money and maximize your earning potential. It's never too early to start.
Traditional IRA
A traditional IRA allows you to contribute pre-tax dollars toward investments that can grow tax-deferred. After age 59½, withdrawals are penalty-free and taxed as current income.

Roth IRA

A Roth IRA allows you to contribute after-tax dollars toward investments that can grow tax-deferred. After age 59½, withdrawals are penalty-free and tax-free.

Education IRA

An education IRA, also known as a Coverdell Education Savings Account (ESA), allows parents and guardians of children under 18 to contribute after-tax dollars that can grow tax-deferred and be withdrawn tax-free for educational purposes.

Rollover IRA

A rollover IRA is a special type of traditional IRA you can transfer your employee retirement funds into when you change jobs or retire.

Why choose IRAs?


  • Earn a competitive interest rate.
  • No monthly maintenance charge.
  • Choose from a range of IRA plans.
  • Consolidate your retirement funds with rollover capability.
  • Maximum contribution limits apply.
  • Early withdrawal penalties may apply.
  • Required minimum distributions apply.
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