TCF Totally Free Faculty/Staff Checking

TCF has the right account for you.  The Totally Free Mcard Checking account is ideal for faculty and staff members who do not want to worry about account maintenance or monthly service fees. Faculty and staff who are already TCF customers can convert their current checking accounts to this checking account to begin enjoying all of these special benefits.  There are many benefits such as:

• No minimum balance requirement
• No monthly maintenance fees
• FOUR FREE (no TCF fee) in-state non-TCF ATM transactions per statement period
• FREE withdrawals (no TCF fee) at out-of-state ATMs   ($2 TCF fee per balance inquiry at non-TCF ATMs)
• No charges to see a bank teller
• Unlimited check writing privileges
• Continual free check printing of standard TCF single copy checks
• Your Mcard is linked to the account and can be used in ATMs and at U.S. debit merchants
• Free TCF Miles Plus^SM Check Card  (Use it anywhere that accepts Visa debit cards)
• Get $50 for your first direct deposit of payroll
• TCF Totally Free Preferred Online Banking and Bill Pay at www.tcfbank.com
• 1/4% interest rate bonus on Certificates of Deposit
• 1/4% off normal interest rate discount on home equity and consumer loans when payment electronically withdrawn from TCF checking account
• No minimum balance TCF Classic Money Market savings account
• Free 24/7 automated telephone banking
• Free Notary Service
• Free cashier's checks
• Free traditional Traveler's Cheques
• Free Medallion Signature Guarantee service
• Free gift
• Free Financial Education Seminars
• Easy account access by branch, ATM, Internet, phone, or by mail
• Many convenient Branches and ATMs on campus, around Ann Arbor, and throughout the Midwest
• Send or receive money at any TCF Branch via Western Union

TCF Check Card Benefits

Your TCF Check Card is now the new free TCF MILES PLUS Check Card which earns points

• Use the card everywhere that accepts Visa debit cards Earn 1 point for every $1 you spend on qualifying purchases, such as signature-based transactions.  You can use your points for travel on most major airlines without blackout dates If you chose not to fly, you may use your points toward merchandise at the world's leading online retailer - with more than 3 million items
• The more you use your card, the more points you'll earn.  Use it for all of your everyday and major purchases.

Get all of the TCF MILES PLUS Check Card point program details.

TCF CashRewards Program

In addition to the above points program, your TCF Check Card allows you to earn up to 30% cash back at hundreds of participating retailers in the TCF CashRewards program.  This free program has unlimited cash back potential and your cash back earnings are automatically deposited into your TCF checking account.  Shop or dine at participating retailers or online retailers through the TCF CashRewards Web site (www.tcfbank.com).

Contact TCF for additional details or stop by any TCF branch in Michigan to open your Totally Free Mcard Checking account. Be sure to have your Mcard to show your affiliation with the University!

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Already have a TCF^® Account

If you already have a TCF checking account opened in Michigan, you can stop by any Michigan TCF^®branch with your Mcard to convert your account to a Totally Free Mcard Checking account.  TCF^®will simply change the type of account you have and you can keep your same account number and checks. At the same time you will also be able to link your Mcard to your TCF bank account, allowing your Mcard to be used in ATMs around the world and as a debit card throughout the United States.

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Make your Mcard an ATM/Debit Card

Mcard holders can take their Mcard to any Michigan TCF^®Branch or the Mcard Center to link it to a new or existing TCF^®Bank account.  If you have a white colored Mcard, first bring it to a University ID Issuing Station to obtain a new yellow colored Mcard free of charge.  The yellow card is necessary as it has the proper bank logos on the reverse.

You will be able to choose your own PIN (Personal Identification Number) which you will use at ATMs and when making debit purchases.  With your Mcard linked to a TCF Bank account you can use your Mcard at any of the over 700,000 ATMs worldwide in 137 countries that have the Plus^®, Visa^®, American Express^®, Cirrus^®, or INTERLINK^®logos and make debit purchases at hundreds of thousands locations all across the United States displaying the INTERLINK^® logo. 

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Deposits to TCF^® Bank Accounts                     TCF Bank Routing Number is 272471548

TCF^® Bank offers many convenient deposit options.

• Direct Deposit  The electronic direct deposit of paychecks or financial aid into a TCF Bank account is set-up with the employer or financial aid provider.  Ann Arbor TCF Bank branches can provide University of Michigan direct deposit forms for those who receive University of Michigan paychecks.
• TCF^® Branch Network  Deposits can be made at any TCF Bank branch in Michigan, Arizona, Colorado, Illinois, Indiana, Minnesota, and Wisconsin.
• Bank by Mail  Checks made payable to the account owner with a deposit slip can be mailed to TCF Bank, P.O. Box 537980, Livonia, MI 48153. 
• Wire Transfers  TCF Bank can send and receive electronic wire transfers.  The TCF Bank routing number is 272471548. TCF Bank charges $12.00 to process an incoming wire.  Check with the sending financial institution for its outgoing wire charge.
• Free Automatic Fund Transfer TCF can arrange for the regular transfer of money from any U.S. bank (checking or savings account) to a TCF Bank account on a weekly or monthly basis.  To receive an Automated Transfer Authorization Form, just stop in any TCF Bank branch or call TCF Customer Service at 1-800-823-2265.
• Western Union  Send or receive money at any TCF Bank branch.

See a TCF Michigan branch for details.

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TCF® MILES PLUS Check Card                  NOW EARN POINTS or CASHREWARDS ON YOUR PURCHASES!

Faculty/staff receive the TCF MILES PLUS Check Card a couple of weeks after opening their TCF Bank account.  This FREE Visa Check Card can be used anywhere Visa® debit cards are accepted and the purchase is deducted directly from the checking account.  It is not a credit card, but it can be used almost everywhere Visa is accepted around the world.  The TCF Check Card can be used for purchases at merchants - including online merchants - and in ATMs locally and worldwide.  There are no annual fees. 

TCF MILES PLUS Check Card earns points!

• Use the card everywhere that accepts Visa debit cards Earn 1 point for every $1 you spend on qualifying purchases, such as signature-based transactions.  You can use your points for travel on most major airlines without blackout dates If you chose not to fly, you may use your points toward merchandise at the world's leading online retailer - with more than 3 million items
• The more you use your card, the more points you'll earn.  Use it for all of your everyday and major purchases.

Get all of the TCF MILES PLUS Check Card point program details.

TCF CashRewards Program

In addition to the above points program, your TCF Check Card allows you to earn up to 30% cash back at hundreds of participating retailers in the TCF CashRewards program.  This free program has unlimited cash back potential and your cash back earnings are automatically deposited into your TCF checking account.  Shop or dine at participating retailers or online retailers through the TCF CashRewards Web site (www.tcfbank.com).

Contact TCF for additional details

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Free Online Banking and Bill Payment

Banking with TCF is now more convenient than ever. With TCF Preferred Online Banking you can:

• Check your account balances anywhere you have an Internet connection
• See your most recent transactions and up to 18 months of past transactions
• Transfer funds between qualifying accounts
• Have one consolidated statement for all your accounts
• View images of cleared checks and deposit slips
• Download account transaction history detail directly into Quicken®, Microsoft Money®, or QuickBooks®
• Create account balance alerts sent to your email address or to your email enabled wireless device
• Create personal reminders sent to your email address or to your email enabled wireless device

TCF Bank makes paying your bills online safe, easy, and convenient!

Managing your finances has never been easier or more secure. With Online Bill Payment from TCF, there are no more check writing hassles and no need to bother with stamps and envelopes. This convenient service also offers:

• eBill presentment with billing detail
• Bill delivery email alerts
• Paper bill conversion
• Ability to pay bills from your TCF account or an account from another financial institution

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