TCF Teen Checking

TCF Teen Checking

in Checking Accounts from TCF Bank · Member FDIC


TCF Teen Checking


in Checking Accounts from TCF Bank · Member FDIC

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Monthly Fee $0
ATM Fee: Out-of-Network $3
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) N/A

TCF Teen Checking Review

TCF Teen Checking is offered by TCF Bank, a bank founded in 1923 and based in Sioux Falls, SD. TCF Teen Checking is available in 7 states across the USA.

Key Takeaways
  • $0 monthly fee. This account does not charge a monthly maintenance fee.
  • $25 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • No ATM fees. TCF Teen Checking does not charge fees on ATM transactions.
  • ATM fee reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions
  • Hard credit pull. TCF Bank may require a hard pull on your credit report to open a checking account.
TCF Teen Checking Pros & Cons
Pros Cons
  • This is a joint account with parents, which allows up to date parental supervision of the balance through a mobile app.
  • Low NSF fee
  • Debit card is declined when exceeding the available balance at the time of the transaction.
  • Free paper statements.
  • 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.
  • Non interest bearing account
  • No signup bonus.
  • Does not earn interest.
  • Does not offer mobile check deposits.
  • Not FDIC-insured.
  • Only available in 7 states.
  • Charges a higher than average fee on out-of-network ATM transactions.
TCF Teen 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 Teen Checking offer?

What are the account minimums for TCF Teen Checking?

TCF Teen Checking requires a minimum initial deposit of $25 to open an account.

TCF Teen Checking Account Minimums
Description Amount
Minimum Initial Deposit $25

What fees does TCF Teen Checking charge?

The good news is that this account does not have a monthly service charge.

TCF Teen Checking Fees
Monthly Fee $0
Paper Statement Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $3
NSF Fee $15
Overdraft Protection Fee (per transfer) $10
Overdraft Item Fee N/A
Early Account Closure $0
Returned Deposit Fee (Domestic) $20
Debit Card Replacement Fee N/A
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee N/A
Stop Payment Fee $35
Check Image Service N/A
Check Copy N/A
Foreign Transaction Fee (Debit Card) N/A
Wire Transfer Fee - Domestic (Outgoing) N/A
Wire Transfer Fee - International (Outgoing) N/A
Wire Transfer Fee - International (Incoming) N/A
Returned Deposit Fee (International) N/A
Wire Transfer Fee - Domestic (Incoming) N/A
ATM Reimbursement Monthly Limit N/A

What features and perks does TCF Teen Checking offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks.
  • Fraud monitoring - TCF Teen 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.
  • Mobile Banking Services - TCF Teen Checking allows you to manage your money online.
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  Available in 7 states
  • Arizona
  • Illinois
  • Indiana
  • Michigan
  • Minnesota
  • South Dakota
  • Wisconsin

Feature Breakdown

Minimum Initial Deposit $25
ATM Fee: In-Network $0
Early Account Closure $0
Monthly Fee $0
Paper Statement Fee $0
NSF Fee $15
Overdraft Protection Fee (per transfer) $10
Returned Deposit Fee (Domestic) $20
Stop Payment Fee $35
ATM Fee: Out-of-Network $3
Bank Account Features
  • No ATM Fees
  • Branch Access
  • Debit Card
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Mobile Banking
  • ATM Reimbursement
  • No Monthly Maintenance Fee
  • Teen Checking Account

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