Your Commercial Banking Transition

Welcome to Huntington Commercial Banking Solutions

Good things are happening now that TCF has joined Huntington. Our combined resources make Huntington a top 25 U.S. bank holding company in asset size, with the strength to support an even wider range of your business activities. By combining our banking teams and operating systems, we can bring you new financial products and capabilities at Huntington.

For now, just keep working with TCF as usual. We’ll update this site regularly, so visit again soon. We’ll continue to bring you all the details you’ll need for your transition to Huntington.

Frequently Asked Questions

What's Happening in 2021

  • June 9

    TCF officially joins Huntington (Keep banking as usual.)

  • September 3

    Your Treasury Management Transition Guide is published on this site.

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

  • August 27 – September 10

    Your Huntington Welcome Package is mailed with details about your transition.

  • September 20

    Administrator and user setup and preview period begins for Huntington® Business Online.

  • October 7

    TCF online bill pay through Business eBanking will no longer be available starting at 4 p.m. ET.

  • October 8

    Same-day ACH payment origination will be available through 2:15 p.m. ET.

    Wire initiations need to be submitted and approved by 5:30 p.m. ET.

    ACH transactions need to be entered and approved by 6:30 p.m. ET.

    ACH Positive Pay decisions need to be made by 6:30 p.m. ET or a return default will apply.

    TCF Business eBanking will be available for viewing only starting at 6:30 p.m. ET.

  • October 9-11

    Your TCF banking center will be closed over this weekend as we transition to Huntington products and services. You can continue to bank at TCF and Huntington ATMs with no ATM transaction fees.

  • October 12 - Welcome to Huntington

    You’ll have full access to all your accounts and services online or at any Huntington branch or ATM.

    Check Positive Pay and Reverse Positive Pay customers will have access to TCF Business eBanking until 3:00 p.m. ET to review any exceptions from items posted on Friday, October 8.

  • October 13

    Check Positive Pay and Reverse Positive Pay customers should start dispositioning any exception items through Huntington® Business 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

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 company’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.

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

Do I need to make any immediate changes?

Answer: For now, just keep working with your TCF commercial banking team as usual. We’ll send you all the details you need to know, well in advance of any changes that impact your day-to-day banking. We will also provide all the personalized assistance you may require to help ensure a smooth transition.

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

Answer: Like TCF, Huntington knows the value of trusted banking relationships. We expect that many TCF commercial bankers and support staff will join Huntington, and our goal will be to preserve as many relationships as possible.

In addition, we can offer you many strengths and advantages from our combined organization. Your Huntington Relationship Manager will have tools and expertise to help you capitalize on opportunities to grow your business, mitigate risks, plan ahead, weather volatility, and improve efficiencies. We have a wealth of experience in assisting large companies with complex financial operations, and we look forward to working with you to help your business work even better.

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

Answer: If you had accounts at both banks as of June 9, 2021, FDIC coverage of your deposits will remain separate through December 9, 2021 or possibly longer for CDs depending on the maturity date. If you have questions about your FDIC insurance, call the FDIC toll-free at 1-877-ASK-FDIC, or refer to the FDIC website for additional details at

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’ll select the Huntington commercial deposit accounts closest to your current TCF accounts. We will send you a Welcome Package describing your new accounts, as well as the many banking opportunities you’ll find at Huntington. Your Relationship Manager can also assist you in making any refinements that will improve your day-to-day money management.

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. ACH customers will receive their new account numbers in mid-September along with detailed information on how to set up and initiate ACH Payments with Huntington. All other deposit customers will receive new account/routing numbers by mail before October 12. They will also be viewable in Huntington® Business Online during the preview period beginning September 20, and after your accounts move to Huntington.

Even though your account number(s) 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 speak with your Relationship Manager.

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 Commercial Account Disclosure Document and Treasury Management Agreement online.

How will you transfer my Treasury Management functions?

Answer: We understand the importance of these capabilities in helping you run your business, and we’ll be taking special care in the transition of these critical functions. We’ll automatically transfer all active companies, users, deposit accounts, Wire/ACH payment templates, and basic entitlements to Huntington® Business Online. Direct ACH File Manager and Payment Center entitlements will need to be set up by the Administrator. You will be able to check and confirm these settings in advance during an administrator and user setup and preview period that will begin on September 20. And we will also provide all the hands-on assistance you may require to help ensure a smooth and seamless transition. We’ll be providing all the details well in advance.

What will happen to the FedPayments® Reporter service?

Answer: This service will transition to Huntington’s EDI Reporting service on October 12, 2021. You will continue to receive payment and remittance details about ACH credit or debit items received. Tuesday, October 12, 2021 will be the last day you will be able to access FedPayments® Reporter for any ACH items received on Friday, October 8, 2021.

Learn more

What is happening with online banking?

Answer: To prepare for the Business eBanking transition on October 12, company administrators and users should preview Huntington® Business Online beginning September 20. User login information will be sent via email to online administrators and users along with detailed instructions to help you during the preview period.

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 be transitioned to Huntington. Your card will continue to work with no interruption. 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. At Huntington, every business challenge becomes an opportunity to make things better, with innovations that can help you bank more efficiently, optimize cash flow, do more with less, and chart a stronger future.

In the end, yes, banking is about money, but it’s about people’s money: the money your business generates for you, for your employees, and for families in your communities. We see our customers as people first – starting with your dedicated Relationship Manager and banking team, who will be supported by local executive leadership that understands your business. It’s the best way to look out for you. Which is why we think you’ll like banking at Huntington.

Huntington Commercial Banking is grateful for the


It’s an honor to be recognized by Greenwich Associates with a 2020 Greenwich Excellence Award for U.S. Middle Market Banking1 in categories including:

- Overall Satisfaction
- Likelihood to Recommend
- Cash Management Capabilities

We were also recognized by Greenwich Associates with a 2020 Greenwich Best Brand Award for U.S. Middle Market Banking1 in categories including:

- Ease of Doing Business
- Trust

1 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.

1 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.

Banking products and services are offered by The Huntington National Bank, Member FDIC. Lending and leasing products and services, as well as certain other banking products and services, may require credit approval.

Trust and investment management services are provided by The Huntington National Bank, a national bank with fiduciary powers. The Huntington National Bank is a wholly-owned subsidiary of Huntington Bancshares Incorporated.

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

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

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