Your Personal Banking Transition

Welcome to Huntington.

Now that TCF has joined Huntington, we are excited to share new details about how we’ll be stronger together for our customers. You’ll learn more about the smooth transition we are planning for later this fall, as well as fresh details about the kinds of banking innovations that will 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

View Online Banking Digital Demos

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

    Last day to view mortgage and line of credit accounts in TCF Digital Banking. After this date, you will still see your loan in TCF Digital Banking, but your balances and next loan payment due date may not be fully updated until your mortgage or line of credit becomes available for viewing in Huntington Online Banking on October 5, 2021.

  • October 4

    Last opportunity to initiate online bill payments or eBills through

  • October 8

    TCF Digital and Mobile Banking will not be available starting at 8 p.m. ET.

  • October 9–11

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

  • October 12 - Welcome to Huntington

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

  • October 18

    Investment accounts move to Huntington and will be available in Huntington online banking.

Key things to know

Here’s where you’ll find important information including details about transferring products, services, and account history.

Learn more

Answers to your Questions

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.

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 TCF and Huntington banking center 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.

What should I do if I have additional questions?

Answer: We are here to help! Prior to October 12, continue to call (800) 823-2265. You can also ask a question by clicking on the 'ask us' icon in the lower right corner of this page. To learn more about features and services available with the Huntington Online Banking experience view the Digital Demos.

For questions related to your TCF accounts and services, visit

To contact TCF, visit

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. Learn more on the Key Things to Know page.

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

Answer: Your account/routing numbers will change. You’ll find your new account and routing number(s) in Huntington Online Banking or the Huntington Mobile app (Account Summary). If you have a Senior Checking account or have not logged into TCF digital banking in the past three months, we’ll provide you with your new account/routing number(s) by October 12.

Please note: if you receive direct deposit payments from your employer, the Social Security Administration, or other providers, you will NOT have to send your new account number to them. Huntington will ensure that your payments are routed to your new accounts.

Continue to use your TCF or Chemical checks until they run out.

Your TCF online account statements will still be available to you in Huntington Online Banking. You will receive a final deposit account statement from TCF either in the mail or in Huntington online banking, based on the delivery method you have chosen. Statement cycles will remain approximately the same as they are today. Accounts already linked for combined statements or for Total Relationship Balances will continue to be linked.

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 banker.

Where can I find my new Account Disclosure Document?

Answer: Your new Account Disclosure Document was provided in the Welcome Package. You can also view the Account Disclosure Document 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.

What is happening with online banking?

Answer: For most customers, when you log in to TCF digital banking, we will guide you through username and password updates, if we haven’t already, to make sure you are ready for a seamless transition to Huntington Online Banking. Once you make these updates, you will use this username and password to log into TCF digital banking now and Huntington online banking beginning October 12. After you’ve successfully logged into Huntington online banking starting October 12, you can set up any Huntington Heads Up®3 account alerts and begin using your new digital tools.

Bill Pay
Most of the payees and bill payments you already established within your TCF digital banking will transfer to Huntington, and your payment history will also be available. Note: At Huntington, bill pay funds are debited from your account on the date we send the payment, not the payment delivery date. Bill payments and transfers entered before 8:00 p.m. ET will be processed on the same business day.

Verify payees and scheduled payments before the due date.

Online Transfers
Scheduled internal or external transfers set up through TCF digital banking will need to be reestablished through Huntington Online Banking.

To learn more about features and services available with the Huntington Online Banking experience view the Digital Demos.

Will my loan or line of credit relationship transfer?

Answer: September 30, 2021 is the last day to view mortgage and line of credit accounts in TCF Digital Banking. After this date you will still see your loan in TCF Digital Banking, but your balances and next loan payment due date may not be fully updated. These accounts will transition to Huntington between October 1 through October 4, and will be available for viewing in Huntington Online Banking on October 5, 2021. Please be aware that only mortgage and line of credit information will show in Huntington Online Banking at this time. All other accounts will be viewable October 12, 2021. An online banking profile may be created on by clicking “Enroll now” under “New to Online Banking” starting October 5. Watch your mailbox for a letter containing this information.

How can I set up online banking access at Huntington for my mortgage or line of credit?

Answer: An online banking profile may be created on by clicking “Enroll now” under “New to Online Banking” starting October 5. Watch your mailbox for a letter containing this information.

How can I make a loan payment at Huntington?


  • Call Huntington Automated Banking at (800) 992-2265 for mortgage or (800) 992-2053 for lines of credit beginning Tuesday, October 5, 2021. Please have your new account number on hand to streamline the process.
  • Call Huntington Automated Banking at (800) 992-4695 for installment loans beginning Tuesday, October 12, 2021. Please have your new account number on hand to streamline the process.
  • If you already have a Huntington checking account, payments can be made to mortgages via an online transfer starting Tuesday, October 5, 2021, at
  • All other payments can be made via online banking starting October 12, 2021.
  • Visit any TCF banking center through Friday, October 8, 2021. Loan payments can be made at Huntington branches beginning Tuesday, October 12, 2021.
  • You can mail payments to the address indicated on your Huntington statement that will be sent to you in October.
  • If you would like to set up a new automatic recurring payment, please visit a Huntington branch, go to or call us after October 12, 2021 to complete.

We encourage you to pay special attention to the payment address and due date over the next several months as we integrate systems.

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.

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 personal financial challenge or some other obstacle, we see challenges as opportunities to make things better.

In recent years, we’ve made headlines with unique innovations. The Hub, Huntington Heads Up®1, 24-Hour Grace®2, no overdraft fee $50 Safety Zone℠2, Standby Cash℠®3, and Early Pay4, among other solutions, have helped our customers bank easier, pay fewer fees, control spending, organize their futures, and get faster access to money.

Learn more about our recent customer innovations.

Avoid Overdraft and Return Fees

24-Hour Grace®

We all make mistakes, but our 24-Hour Grace feature is designed to give you more time to make a deposit in order to avoid an overdraft or return fee1.

Learn more

$50 Safety ZoneSM

If you accidentally overdraw your account by $50 or less, you won't be charged an overdraft fee, thanks to our $50 Safety Zone1.

Learn more

Seriously Better Checking


Asterisk-Free Checking®

It’s free to open, free to maintain, free of balance requirements, and free of monthly maintenance fees.

Learn more


Huntington 5 Checking® and Huntington 25 Checking®

With these two interest-bearing accounts, your balance levels start earning you perks you may not expect.

Learn more


Benefits That Come Standard With Every Checking Account

  • 24-Hour Grace and $50 Safety Zone1
  • Opportunity to enroll in Money Scout®2
  • Huntington Heads Up® alerts3
  • Powerful digital money management tools

Learn more

Financial Fitness: The Hub and Huntington Heads Up®


Huntington Digital Demos

Learn more about features and services available with the Huntington Online Banking experience. Get familiar now with the many digital tools that will be available to you on October 12, 2021.

Watch the Digital Demos


Industry-Leading App & Hub Tools

Start taking control of your money anytime, anywhere, with this suite of hard-working tools.

Learn more


Huntington Heads Up Alerts

Huntington Heads Up lets you know exactly where your money is going and provides real-time insights to help you make more informed decisions3.

Learn more

Faster Access to Money


Standby CashSM

Standby Cash℠ allows you to access between $100 and $1,000 with no interest or fees when you sign up for automatic payments and pay it back over three months. Otherwise, a 1% monthly interest charge (12% APR) applies to the outstanding balances4.

Learn more

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

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

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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.

1Huntington offers $50 Safety Zone. and 24-Hour Grace for overdraft and eligible return items. Your account will be automatically closed if it remains negative in any amount for 60 days, including if your account is overdrawn within our $50 Safety Zone.

2Money Scout® automatically schedules transfers from your selected checking account and credits your selected savings account. A money market account (MMA) cannot be a selected savings account for use with Money Scout®. A scheduled transfer may be canceled before midnight ET on the day it is scheduled. Transfer amounts and frequency may vary and will reduce the money available in your account to cover other transactions. You are responsible for ensuring your account has sufficient funds. You may be charged overdraft fees if your account falls below -$50. Subject to eligibility, terms and conditions, and other account agreements.

3Message and data rates may apply.

4Subject to terms and conditions and other account agreements. Available through online banking or the Huntington Mobile app to individuals with an active consumer checking account open at least three months with consistent monthly deposit activity of $750 or more. Other eligibility requirements apply. Amount available through Standby Cash is subject to change based on changes to customer eligibility, including checking and deposit activity, overdrafts, and daily balances. A 1% monthly interest charge (12% Annual Percentage Rate) will be added to outstanding balances if automatic payments are not scheduled. If 100% of the approved credit line is drawn three months in a row, Standby Cash will be suspended until it’s paid to a zero balance. When any of your Huntington deposit accounts are in an overdraft status for more than one day, your Standby Cash line will be suspended until they are no longer negative. Business checking accounts are not eligible for Standby Cash.

Huntington Financial Advisors® is a service mark and trade name under which The Huntington Investment Company offers securities and insurance products and services. The Huntington Investment Company is a registered broker-dealer, member FINRA and SIPC, and registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Huntington Financial Advisors® is a federally registered service mark of Huntington Bancshares Incorporated.

Certain insurance products are offered by Huntington Insurance, Inc., a wholly-owned subsidiary of Huntington Bancshares Incorporated, and underwritten by third-party insurance carriers not affiliated with Huntington Insurance, Inc.

Trust and certain 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.

24-Hour Grace®, Asterisk-Free Checking®, Huntington 5 Checking®, Huntington 25 Checking® Huntington Heads Up® and Money Scout® are federally registered service marks of Huntington Bancshares Incorporated. $50 Safety Zone, Standby Cash and the 24-Hour Grace, Asterisk-Free Checking, Huntington 5 Checking, Huntington 25 Checking, and Early Pay logos are 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.

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