About TCF U Card Checking

Banking made for (the) U

Simple, easy —TCF Checking on your U Card

No wallet, no problem. Get cash at on-campus ATMs with your U Card when you add on an optional TCF U Card Student Checking account.

TCF Bank® is proud to be a partner of the University of Minnesota Twin Cities since 1995. TCF Bank is committed to financially supporting student and auxiliary programs, scholarships, service awards, and men's and women's athletics.

 Benefits on campus and on the go

  • Find conveniently located ATMs throughout campus, in addition to two full-service campus branches with team members ready to help.
  • Enjoy free withdrawals at TCF® ATMs.
  • Set up mobile payments and make purchases using your phone.
  • Download our mobile app and deposit checks into your checking account.
  • Use your TCF Debit Card for making payments online and at other merchants.

Take free, online financial education courses on topics like checking, mobile payments and financing higher education, to help you start building a healthy financial future. No account required.


  • Free U of M Sweatshirt when you deposit $25 or more into your new TCF U Card Checking Account.
    • Bring your deposit and photo ID or account number to one of our full-service branches on campus. Limit one sweatshirt per customer.
  • No monthly maintenance fee.
  • No minimum balance.
  • No minimum opening deposit.
  • Other fees may apply.  These include, for example, overdrafts, returned item NSFs, dormant account, ATM transactions at non-TCF ATMs, check orders and other optional services.

Bank with your mobile device

TCF checking accounts include digital banking, with a free mobile app that lets you deposit checks and monitor your balance. You can set up alerts that keep you updated about your account, set and track a budget and more. Learn more about digital banking.

How to open your account

You can open a checking account during orientation at the U Card office, or anytime by stopping by one of our two campus locations.

Already have a TCF checking account? 

As a current student, staff or faculty member with a U Card, you can upgrade your existing TCF checking account anytime. 

To upgrade your account, bring your ID and your U Card to one of our two campus locations. We accept the following IDs: Driver’s license, state ID card, passport, military ID or matricula consular.

TCF Bank Campus Locations and Hours
TCF Bank Campus ATM Locations

In addition to students, TCF has checking accounts designed for staff and faculty and even alumni

TCF U Card Student Checking

TCF U Card Faculty/Staff Checking

TCF Golden Gopher Alumni Checking

Learn more about TCF checking accounts:

Digital Banking
Customer Service
Overdraft Protection Services
What you need to know about overdrafts

Member FDIC.

TCF Bank Campus Locations and Hours

TCF Bank Campus ATM Locations

The University’s U Card Agreement with TCF Bank

The Department of Education regulation 668.164(e) requires the full disclosure of financial arrangements between the University of Minnesota and TCF Bank. The agreement between the university and TCF Bank is considered a "T2" relationship as defined by the Department of Education. The University receives support from TCF Bank through its financial contributions to scholarships, programs and student organizations.  

The relationship with TCF Bank in connection with U Cards does not require that students, faculty, or staff open or maintain accounts with TCF Bank.  The use of U Cards to participate in the Gopher Gold program, a declining balance cash system that may be used to pay for many campus services is fully independent of the University’s relationship with TCF Bank. No TCF account is required for the Gopher Gold program.

For the award year period of July 1 2018 - June 30 2019
Number of active accounts = 26,748
Mean of fees assessed on active accounts = $24.22
Median of fees assessed on accounts = $0.00

Total monetary consideration paid or received by the parties under the contract for 2018-2019:
Royalty Funds: $1,000,000
Card Stock: $10,000
Scholarships: $100,000
Rent (CMU & Kirby Center): $80,893
ATM Rent: $220,546
Total non-monetary consideration paid or received for 2018 - 2019:
Marketing Funds: $$202,000

For additional information about this relationship please refer to the following links:  

If you have any questions, please call us at 612-TCF-BANK,
800-823-2265 or 800-343-6145 (TTY).