Your Business Banking Transition

Welcome to Business Banking at Huntington.

Good things are happening now that TCF has joined Huntington. We are excited to give you new details about how we plan to work together to make your business banking even better. And, when we consolidate our banking teams and operating systems later this fall, you’ll have all the information you need for a smooth transition to new financial products and capabilities designed to help you reach more of your financial goals at Huntington.

For now, just keep banking with TCF as usual. We’ll keep you posted as we work together to welcome you to banking at Huntington.

Frequently Asked Questions

What's Happening in 2021

  • June 9

    TCF officially joins Huntington (Keep banking as usual.)

  • July– September

    We’ll help you update your username and password on so you’ll be all set to log in to Huntington Online Banking starting October 12. (Applies to most customers.)

  • August 27 – September 10

    Your Huntington Welcome Package is mailed with details to help with a smooth transition.

  • September 30

    You will receive important instructions related to your online banking and steps you can take to prepare for your move to Huntington.

  • October 4

    Last opportunity to initiate online bill payments or eBills through TCF Digital Banking.

  • October 7

    Last opportunity to initiate online payments through Business eBanking.

  • October 8

    TCF Digital and Mobile Banking will not be available starting at 8 p.m. ET. Business eBanking will be available for viewing only starting at 6:30 p.m. ET and continuing through the weekend.

  • October 9-11

    TCF banking centers will be closed for the weekend. You can continue to bank at TCF and Huntington ATMs with no ATM transaction fees. You can also use your debit card or checks for purchases over the weekend.

  • October 12 - Welcome to Huntington

    Your TCF business banking relationship moves to Huntington. You’ll have full access to all your accounts at any Huntington branch, ATM, or online.

Key things to know

Here's where you'll find information about the transfer of your products, services, account history, and other important information.

Additional information can be located on the Treasury Management and Business Online transition resource page. The link was included in previous transition communications.

Learn more

The Hub for Business

For those Business Banking customers gaining access to The Hub for Business, learn more about the digital tools available – tools like Spend Analysis for Business and Cash Position and Cash Flow Forecast.

Learn More

Answers to your Questions

What are the key things I need to know and do for my transition to Huntington?

Answer: To help prepare you for your business’s transition to Huntington, we have compiled important information you need to know on the Key Things to Know page, where you’ll find important information including details about transferring products, services, and account history.

Do I need to make any immediate changes?


For now, continue banking as usual – at your TCF banking center or online at You should also continue to make your loan payments as you do today:

  • Mail to the address on your loan statement
  • Online at
  • At any TCF banking center

We’ll send you all the details you need to know, in advance of any changes that impact your day-to-day banking.

Will my current banking team change when we move to Huntington?

Answer: Like TCF, Huntington understands the value of the trusted banking relationships you have established. Many TCF bankers and support staff have joined Huntington, and our goal will be to preserve as many relationships as possible.

When can I start banking at Huntington branches and ATMs?

Answer: You may begin banking at any of 1,100+ Huntington branches on October 12, when the transition from TCF to Huntington will be complete. Since June 9, you’ve been able to use any of our 1,700+ Huntington ATMs to withdraw cash with no Huntington or TCF ATM fees.

Are any of my banking centers closing?

Answer: There will be some consolidations, primarily in places where the TCF and Huntington locations are close to each other. If a banking center near you is affected, we’ll give you plenty of advance notice.

In addition, TCF has entered into an agreement to sell 14 banking centers in Michigan to Horizon Bank, the wholly owned subsidiary of Michigan City, Indiana-based Horizon Bancorp, Inc. TCF and Horizon Bank will be providing additional information to impacted customers.

In connection with this sale, the following TCF banking centers will become Horizon Bank branches in September:

  • 144 W Huron Rd, Au Gres, MI
  • 125 N Michigan Ave, Big Rapids, MI
  • 1408 N Mitchell St, Cadillac, MI
  • 302 S Mitchell St, Cadillac, MI
  • 1425 Bridge St, Charlevoix, MI
  • 310 N Shiawassee, Corunna, MI
  • 211 W Main St, Fremont, MI
  • 521 W Main St, Gaylord, MI
  • 2500 S I-75 Business Loop, Grayling, MI
  • 7409 W Houghton Lake Dr, Houghton Lake, MI
  • 101 N Roland St, McBain, MI
  • 2910 Jefferson Ave, Midland, MI
  • 1345 E M 21, Owosso, MI
  • 220 S Main St, Standish, MI

What happens to my FDIC coverage if I have accounts at TCF and Huntington?


If you had accounts at both banks, FDIC coverage of your deposits will remain separate through December 9, 2021 or possibly longer for Certificates of Deposit depending on the maturity date.

Under FDIC rules, funds on deposit at TCF National Bank and The Huntington National Bank at the time of the merger will temporarily continue to be separately insured by the FDIC up to the $250,000 per account ownership category at each bank. This treatment will continue for six months following the merger through December 9, 2021, except for Certificates of Deposit (CDs) and most Individual Retirement Accounts (IRAs), which have special rules that are explained below. This six-month period allows you the opportunity to examine and restructure your accounts to meet FDIC insurance guidelines, if needed.

CDs and most IRAs will continue to receive the separate deposit insurance coverage described above until the first maturity date on or after December 9, 2021. CDs and IRAs that mature between June 9, 2021, and December 9, 2021, and are renewed for the same dollar amount and term will continue to be separately insured until the first maturity date after the six-month period. CDs and IRAs that mature during the six-month period and are renewed on any other basis (different term or for a different amount) will be insured separately through December 9, 2021.

How will Huntington support my community?

Answer: Supporting local communities is one of our top priorities. Huntington has a five-year, $40 billion commitment to strengthen our communities, small businesses and foster economic justice. In just this past year, we have placed $952 million in community development loans and investments, including loans supporting affordable housing. Now and in the future, we will continue to work with integrity and focus, working with our clients and giving back to the people and organizations who depend on us.

How will my deposit accounts transfer to Huntington?

Answer: For your convenience, we will select the Huntington account that is closest to your current TCF account. We’ll tell you all about it in advance, when we send you a Welcome Package describing your new accounts, to be received in early September.

What will happen with my account numbers, checks, statements, and other services?

Answer: Your account and routing numbers will change as of October 12, 2021. We’ll send you a letter with your new deposit account and routing number(s) before October 12. They will also be available in Huntington Online Banking beginning October 12.

Even though your account number will change, you can continue to use your TCF or Chemical checks until they run out.

You can learn more about these topics and many others on the Key Things to Know page. If you have questions that are not covered there, you can always call us at (800) 823-2265 or speak with your TCF business banker.

Where can I find my new Account Disclosure Document?

Answer: Your new Account Disclosure Documents were provided in the Welcome Package. You can also view the Business Account Disclosure Document and Treasury Management Agreement online.

What will happen with my debit card?

Answer: New Huntington Debit Mastercards will be mailed in early October to checking account customers, provided you have used your TCF debit card for a purchase or cash withdrawal at least once in the past 12 months. If you only have a savings account, you will receive an ATM replacement card.

Activate and use your new card beginning on the date on the card activation sticker.

You will continue to use your current PIN with your new card. For your personal security, if your existing TCF PIN was 9999, we will mail you a new PIN prior to the date shown on the activation sticker on your new card.

You may continue to use your TCF debit card until you have activated your new Huntington card. Your TCF debit card will be deactivated on November 4, 2021, if you have not previously activated your new Huntington debit card or you have not received a new card.

After October 12, remember to update your new card information anywhere you have it saved for automatic payments like mobile wallet, utilities, memberships, and online purchases. Your new Debit Mastercard comes with many great benefits. Visit for details about the benefits available to you.

How will you transfer my Treasury Management functions?

Answer: Helping you maintain effective treasury functions for your business is important to Huntington, and we’ll provide all the tools, services, and specialized expertise you need. You can count on our hands-on assistance to help ensure a seamless transition. We’ll be providing all the details and updating this website with more information and resources.

What is happening with online banking?

Answer: Based on your company’s banking relationship at TCF, we’ve selected the online banking platform we think best suits the needs of your business. In the coming weeks, you will receive important instructions related to your digital tools and steps you may be able to take before conversion to help ensure a smooth transition.

What is happening with my TCF/Chemical credit card?

Answer: If you currently have a TCF or Chemical branded credit card, your account will continue to be managed by First Bankcard (the current provider) and will not move to Huntington. Your card will continue to work without any interruption. Please contact the telephone number or website listed on the back of your card for any questions.

How do I apply for PPP forgiveness during this transition process?

Answer: Huntington began accepting PPP forgiveness applications for TCF PPP loans as of June 16, 2021. Please contact your Relationship Manager with any questions.

What Makes Huntington Different

We’re a bank that never hesitates to come up with big ideas that go beyond banking-as-usual. Whether it’s a business challenge or some other obstacle, we see challenges as opportunities to make things better. In recent years, we’ve made headlines with unique ideas that have helped our business customers bank more efficiently, pay fewer fees, control spending, and chart a stronger future.

We see our customers as people first. Because we know that in the end, yes, banking is about money, but it’s about people’s money: the money your business generates for you, your employees, and their families. That’s why we’re always looking out for you, which is why we think you’ll like banking at Huntington.

No. 1 SBA Lender

Looking out for local businesses helped make us the No. 1 SBA lender in our region and and in the nation in number of SBA 7(a) loans. We'd love to help your business, too.

SBA loans subject to SBA eligibility. Huntington is #1 in the nation in number of SBA 7(a) loans from October 1, 2017 to September 30, 2020. Huntington is the #1 SBA 7(a) lender in the region made up of Illinois, Indiana, Kentucky, Ohio, Michigan, West Virginia, and Western Pennsylvania from October 1, 2008 to September 30, 2020. Source: U.S. Small Business Administration (SBA).

Greenwich Associates

We owe it all to our customers

It’s an honor to be recognized by Greenwich Associates with a 2020 Greenwich Excellence Award for U.S. Middle Market Banking in a number of categories, including:

- Overall Satisfaction
- Likelihood to Recommend

Greenwich Excellence Award is based on over 11,000 interviews with businesses with sales of $10–500 million across the country. Comparisons are based on all banks covered across the United States.

First Bankcard® is a registered trademark of First National Bank of Nebraska, Inc.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

$50 Safety Zone℠ and Lift Local Business℠ are service marks of Huntington Bancshares Incorporated. 24-Hour Grace® is a federally registered service mark of Huntington Bancshares Incorporated. The 24-Hour Grace® system and method is patented. U.S. Pat No. 8,364,581, 8,781,955, 10,475,118, and others pending.

24-Hour Grace® is a federally registered service marks of Huntington Bancshares Incorporated. The 24-Hour Grace® system and method is patented. U.S. Pat No. 8,364,581, 8,781,955, 10,475,118, and others pending.

Quicken® and QuickBooks® are registered trademarks of Intuit Inc.

Other third-party product, service, and business names are trademarks and/or service marks of their respective owners.

TCF®, the TCF logo, are federally registered service marks of Huntington Bancshares Incorporated.