"Free Checking" from TCF Bank

The Basics

Minimum Opening Deposit
 
$25.00
A $25.00 deposit is required to open this account.
Monthly Maintenance Fee $0.00

Debit Cards & Using ATMs

Debit Card $0.00/yr
Non-affiliated ATM Usage Fee
 
$3.00/per use
There is a $3.00 fee each time you use a non-affiliated ATM.
International ATM Usage Fee
 
$5.00/per use
There is a $5.00 fee each time you use a ATM in another country. In addition, there is a fee calculated as 3% of the total amount withdrawn.

Electronic & Telephone Banking

Online Banking Free
Email Alerts
 
Included with Online Banking
This Email Alert feature enables you to receive:
- Warnings when your balance falls below or above a certain threshold;
- Periodic balance alerts;
- Confirmation of transfers.
Online Bill Pay Free
Mobile & Text Banking
 
Free
This institution supports:
- A text messaging service to view account balances, view recent activity;
- A mobile-browser website to view account balances, view recent activity, locate ATMs;
- An iPhone application to view account balances, view recent activity, transfer funds, locate ATMs.
Automated Phone Banking Free

Checks & Statements

Unlimited Check Writing Yes
Free or Discounted Checks No
Monthly Paper Statements Yes
Check Images with Statements
 
$1.95/month
There is a $1.95 monthly fee to receive images of canceled checks with monthly statements.
Online Statements Yes
Online Check Images
 
Yes
Images of canceled checks can be viewed online for 18 months.

Overdrawing the Account

Returned Item Fee
 
$37.00/per item
The Insufficient Funds Fee is $37.00 per overdraft.
Overdraft Protection
 
Available
This checking account has 2 options for Overdraft Protection.
From a linked Savings Account:
- Transfer fee of $25.00. The transfer fee is charged per transaction;
- Funds are transferred to bring the account balance to $0.00.
From a linked Overdraft Line of Credit:
- There is no transfer fee, but an interest charge will apply to the funds transferred;
- Funds are transferred in fixed increments of $300.00.

Savings and Money Market Accounts

Power Savings
 
$4.00/month
'Power Savings' requires $25.00 to open and 1 cent to earn interest.
Current APY Information:
- 0.03% at minimum balance to earn interest;
- 0.03% at minimum balance to avoid fees;
- 0.05% at $25,000.00
The account has a monthly service fee of $4.00. This fee can be waived if you maintain a minimum balance of $100.00.
Power Money Market
 
$10.00/month
'Power Money Market' requires $50.00 to open and 1 cent to earn interest.
Current APY Information:
- 0.01% at minimum balance to earn interest;
- 0.01% at minimum balance to avoid fees;
- 0.05% at $25,000.00
The account has a monthly service fee of $10.00. This fee can be waived if you maintain a minimum balance of $1,500.00.
Premier Savings
 
$15.00/month
'Premier Savings' requires $50.00 to open and $2,500.00 to earn interest.
Current APY Information:
- 0.03% at minimum balance to earn interest;
- 0.03% at minimum balance to avoid fees;
- 0.05% at $25,000.00
The account has a monthly service fee of $15.00. This fee can be waived if you maintain a minimum balance of $2,500.00 or if you have a combined balance of $15,000 or more.

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