SuperMoney
Explore
Compare Rates

Compare All Checking Accounts

Filter & compare all your options in one place.

View All Checking Accounts
x No thanks, not right now
Advertiser Disclosure
  TCF Free Student Checking
TCF Free Student Checking
in Checking Accounts from TCF Bank · fdic
Unaffiliated

TCF Free Student Checking

Unaffiliated
in Checking Accounts from TCF Bank · Member FDIC
Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Checking Accounts.
Aspiration Spend & Save Account
Aspiration Spend & Save Account

Mostly not recommended

112 reviews
Learn More
Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) N/A
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee Starting at $0

TCF Free Student Checking Review

TCF Free Student Checking is offered by TCF Bank, a bank founded in 1923 and based in Sioux Falls, SD. TCF Free Student Checking is available in 50 states (and Washington, DC).

Key Takeaways
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • No ATM fees. TCF Free Student Checking does not charge fees on ATM transactions within its network but there is a fee of up to $3 for out-of-network ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through TCF Bank.
TCF Free Student checking account Pros & Cons
Pros Cons
  • Free withdrawals at TCF ATMs
  • VISA debit card.
  • No monthly fee.
  • Available in all 50 states.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Does not earn interest.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.
TCF Free Student checking account FAQ

Are checking accounts from TCF Bank federally insured?

Yes, this account is 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 Free Student checking account offer?

TCF Free Student checking account is not an interest bearing account.

What are the account minimums for TCF Free Student checking account?

TCF Free Student checking account requires a minimum initial deposit of $25 to open an account.

TCF Free Student Checking Minimums
Description
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does TCF Free Student checking account charge?

The good news is that this account does not have a monthly Service Charge.

TCF Free Student Checking Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $5
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0
NSF Fee $15
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $0
Returned Deposit Fee (Domestic) $20
Stop Payment Fee $37
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network Starting at $3

Does TCF Free Student checking account charge overdraft fees?

No, TCF Free Student checking account does not charge overdraft fees.

TCF Free Student checking account offers overdraft protection at a cost of $10 per transaction.

What features and perks does TCF Free Student checking account offer?

This account includes the following features:

  • Fraud monitoring - TCF Free Student checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - TCF Free Student checking account allows you to manage your money online or with a mobile app.

What is the customer support email for TCF Free Student checking account?

The customer support email for TCF Free Student checking account is tcfbank.support@upstart.com.

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.

Message From TCF Bank

TCF Financial Corporation is headquartered in Detroit. We’re a premier Midwest Bank that offers consumer and commercial banking, trust and wealth management, and specialty leasing and lending products and services to consumers, small businesses and commercial clients. TCF has approximately 475 banking centers primarily located in Michigan, Illinois and Minnesota with additional locations in Colorado, Ohio, South Dakota and Wisconsin. Our strength comes from the individuals and businesses that make up these communities. We’re here to help our customers achieve their financial goals. Because what’s in it for one of us, is what’s in it for all of us.A community isn’t a singular thing. It’s a collection of individuals who are all connected. When one person succeeds, it’s felt throughout the community. At TCF, we believe that strengthening communities start by strengthening the individuals who call it home. Our home is 476 banking centers in Michigan, Illinois, and Minnesota with additional locations in Colorado, Ohio, South Dakota, and Wisconsin. And that’s where all these stronger “me’s” add up to one big healthy we. TCF is committed to strengthening communities even further with free financial education through the TCF Financial Scholars Programs for teens and the TCF Financial Fitness Program for adults. When individuals are empowered, they make more informed decisions about their money helps build stronger communities.

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

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 10:00am - 3:00pm

Other Services by TCF Bank

Icon for Checking Accounts
View all checking accounts offered by TCF Bank
Icon for Banking

CD Rates

Be the first to rate

Money Market Accounts

Be the first to rate

Savings Accounts

3 Products

Be the first to rate

TCF Free Savings

TCF Power Savings

TCF Elevate Savings

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $0
ATM Fee: In-Network $0
Early Account Closure $0
Monthly Fee $0
Overdraft Item Fee $0
Paper Statement Fee $0
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $15
Overdraft Protection Fee (per transfer) $10
Returned Deposit Fee (Domestic) $20
Stop Payment Fee $37
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network Starting at $3
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • No Monthly Maintenance Fee
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
  • Teen Checking Account
Signup Bonus Starting at $0

Be the first to rate

 

Would you recommend TCF Free Student Checking to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

TCF Bank Checking Accounts

Loading...
Browse Checking Accounts
SuperMoney
Goals
Partner with us
Go to homepage

Copyright 2022 SuperMoney, LLC. All rights reserved.

SuperMoney Advertiser Disclosure

*SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us.

This content is not provided by any financial institution. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any financial institution.

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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products.

We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.