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  TCF Bank Premier Checking

TCF Bank Premier Checking

in Checking Accounts from TCF Bank · Member fdic

Unaffiliated

TCF Bank Premier Checking

Unaffiliated

in Checking Accounts from TCF Bank · Member FDIC

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Highlights
Monthly Fee $0 - $15
ATM Fee: Out-of-Network $3
Minimum Balance to Avoid Monthly Fee $2,500
APY (Annual Percentage Yield) 0.01%

TCF Bank Premier Checking Review

TCF Bank Premier Checking is offered by TCF Bank, a bank founded in 1923 and based in Sioux Falls, SD. TCF Bank Premier Checking is available in 6 states across the USA.

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.01%.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $15, but the fee is waived if you keep a minimum balance of $2,500.
  • $500 minimum deposit. This account requires a higher minimum initial deposit than most of the accounts we track.
  • Free bill pay. Pay your bills to practically anyone in the United States through TCF Bank.
  • Hard credit pull. TCF Bank may require a hard pull on your credit report to open a checking account.
TCF Bank Premier Checking Pros & Cons
Pros Cons
  • Make purchases directly from your checking account using Apple Pay, Google Pay, and Samsung Pay.
  • Free wire transfers
  • This checking account earns interest
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No charge on incoming domestic or international wire transfers.
  • $15 monthly maintenance fee if account balance falls below $2500.
  • Very low APY
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Not FDIC-insured.
  • Only available in 6 states.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.
TCF Bank Premier Checking FAQ

Are checking accounts from TCF Bank federally insured?

Yes, your TCF Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does TCF Bank Premier Checking offer?

TCF Bank Premier Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.01%

TCF Bank Premier Checking offers an APY of 0.01% (APY stands for annual percentage yield, rates may change).

What are the account minimums for TCF Bank Premier Checking?

TCF Bank Premier Checking requires a minimum initial deposit of $500 to open an account.

TCF Bank Premier Checking Account Minimums
Description Amount
Minimum Initial Deposit $500
Minimum Combined Balance to Avoid Monthly Fee $15,000
Minimum Balance to Avoid Monthly Fee $2,500

What fees does TCF Bank Premier Checking charge?

This account charges a monthly maintenance fee of up to $15.

TCF Bank Premier Checking Fees
Description
ATM Fee: In-Network $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0 - $15
NSF Fee $37
Online Bill Pay Fee $0
Overdraft Item Fee $37
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $0
Returned Deposit Fee (Domestic) $20
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $0
ATM Fee: Out-of-Network $3

What features and perks does TCF Bank Premier Checking offer?

This account includes the following features:

  • Fraud monitoring - TCF Bank Premier Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - TCF Bank Premier Checking allows you to manage your money online.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 6 states
  • Arizona
  • Colorado
  • Michigan
  • Minnesota
  • South Dakota
  • Wisconsin

Feature Breakdown

Minimum Combined Balance to Avoid Monthly Fee $15,000
Minimum Initial Deposit $500
Minimum Balance to Avoid Monthly Fee $2,500
ATM Fee: In-Network $0
Foreign Transaction Fee (Debit Card) 0%
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $0
Monthly Fee $0 - $15
NSF Fee $37
Overdraft Item Fee $37
Returned Deposit Fee (Domestic) $20
ATM Fee: Out-of-Network $3
Bank Account Features
  • Branch Access
  • Debit Card
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Free Bill Pay
  • Interest Bearing Account
  • Mobile Banking
APY (Annual Percentage Yield) 0.01%

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SUPERMONEY NET RECOMMENDATION SCORE

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