University of Minnesota
U Card Office

TCF U Card Checking

The TCF U Card Checking Account is one of the accounts that you can access with your U Card. It offers the convenience of two campus branch locations and the most on-campus ATMs!

TCF Bank is the official U Card Bank and the only bank that can connect your U Card to a checking account. TCF Bank annually contributes scholarship dollars to the University of Minnesota and supports campus-wide initiatives. These are just a few of the reasons why TCF Bank has been the Official U Card bank since 1995!

As a current or incoming student, staff or faculty member you can open a TCF U Card Checking account at the U Card Office when you get your U Card or at any convenient TCF Bank location. As an existing TCF customer, connecting your account to use your U Card as an ATM card is quick and easy and can also be done at the U Card Office.

Compare the benefits of TCF U Card Checking with offerings from other local banks.

What are my benefits?
Student | Staff & Faculty | Existing TCF Bank Customer with U Card

Where are TCF Bank branches near campus?
Campus Branch Hours and Locations

Where are TCF Bank ATMs near campus?
TCF Bank Campus ATM Locations

How can I use my U Card as an ATM card?
The 17-digit U Card number on your U Card is used to uniquely identify you as a member of the University of Minnesota community. This number is also referenced by TCF Bank when a cardholder has a TCF U Card Checking account and their U Card is used at an ATM. Once you've opened a TCF U Card Checking Account you can use your U Card as an ATM card, like you would a check or debit card. TCF U Card Checking accounts can be opened at the U Card Office or at any TCF Bank branch.

Check out the helpful TCF Bank Links below:
(Note: Clicking on any of these links will open a new tab.)

Campus Banking for the U of M Twin Cities

What You Need to Know About Overdrafts

Overdraft Protection Services

Customer Service Resources

Is there a way that I can see a copy of the University's U Card Agreement with TCF Bank?

The Office of the General Counsel (OGC) reviews and approves all contracts to which the University of Minnesota is a party. If you would like to get a copy of the U Card Agreement with TCF Bank, contact Susan McKinney in the OGC at

Picture of the TCF Bank logo

Picture woman using her U Card at an ATM machine