Your Personal Banking Transition

Welcome to Huntington.

Now that TCF has joined Huntington, we are excited to share details about how we’ll be stronger together for our customers. Here you can learn more about the kinds of banking innovations that will help you reach more of your financial goals at Huntington.

Frequently Asked Questions

View Online Banking Digital Demos

What's Happening in 2021

  • October 12 - Welcome to Huntington

    Your TCF banking relationship moved to Huntington and you began accessing 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

What are the key things to know about my transition to Huntington?

Answer: Refer to the Key Things to Know page, where you’ll find important details about transferring products, services, and account history.

When can I start banking at Huntington branches and ATMs?

Answer: You can now bank at any of 1,100+ Huntington branches and 1,700+ ATMs.

Are any of my banking centers closing?

Answer: There are 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 give you plenty of advance notice.

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! Call (800) 480-2265. 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.

How did my deposit accounts transfer to Huntington?

Answer: For your convenience, we selected the Huntington account that was closest to your previous TCF account. We sent you a Welcome Package describing your new accounts. Learn more on the Key Things to Know page.

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

Answer: Your account/routing numbers changed. You can find your new account and routing number(s) in Huntington Online Banking or in 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 provided you with your new account/routing number(s).

Please note: if you receive direct deposit payments from your employer, the Social Security Administration, or other providers, you do NOT have to send your new account number to them. Huntington will ensure that your payments are routed to your new accounts. This is done electronically and there is no action you need to take. 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) 480-2265 or speak with your 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 were mailed in late September or early October to checking account customers, provided you used your TCF debit card for a purchase or cash withdrawal at least once in the past 12 months leading up to your transition to Huntington. If you only have a savings account, we sent you 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 mailed 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.

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 Huntington Debit Mastercard comes with many great benefits. Visit for details about the benefits available to you.

How do I access online banking?

Answer: If you haven’t already established your username and password for Huntington Online Banking, you can enroll at beginning at 8:00 a.m. on Tuesday, October 12. To successfully create your login credentials, you’ll need to provide your TCF checking account number, TCF debit card number, or TCF Digital Banking Login ID.

Bill Pay
Most of the payees and bill payments you established within your TCF digital banking have transferred to Huntington.

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 need to be reestablished through Huntington Online Banking.

Learn more about Huntington’s unique banking innovations and digital tools.

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

When did my loan or line of credit relationship transfer?

Answer: These accounts transitioned to Huntington between October 1 through October 4 and became available for viewing in Huntington Online Banking on October 5, 2021. All other accounts are viewable as of October 12, 2021.

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?”.

How can I make a loan payment at Huntington?


  • If you already have a Huntington checking account, payments can be made to mortgages via an online transfer at
  • All other payments can be made via Huntington online banking.
  • If you would like to set up a new automatic recurring payment, please go to, visit a Huntington branch, or call us after October 12, 2021 to complete.
  • If you don't have a Huntington checking account, set up a Bill Pay through your deposit account bank using the payment information on your loan statement.
  • Call Huntington Automated Banking at (800) 323-4695 for mortgage or (800) 992-2053 for lines of credit. Please have your new account number on hand to streamline the process.
  • Call Huntington Automated Banking at (800) 445-8460 for installment loans. Please have your new account number on hand to streamline the process.
  • You can mail payments to the address indicated on your Huntington loan statement that will be sent to you in October.
  • At Huntington branches.
  • Pay your TCF personal loan (Upstart) by visiting,

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

How do I request a loan payoff amount?


  • Mortgage customers can request a payoff via their online banking profile starting October 5.
  • To request a payoff for other loans via the phone call:
    • Personal Credit Line (Lines of Credit): (800) 992-2053
    • Mortgage: (800) 323-4695
    • Installment: (800) 445-8460

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®, 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.

J.D. Power

Thank you for making us #1.

J.D. Power has ranked Huntington Consumer Banking highest in Customer Satisfaction in the North Central Region in the 2021 U.S. Retail Banking Satisfaction Study. The Huntington Mobile app also claimed the top spot among regional banks in the J.D. Power 2021 U.S. Banking Mobile App Satisfaction Study, for the third year in a row.

For J.D. Power 2021 award information, visit jdpower awards

  Standby Cash is subject to terms and conditions and other account agreements. A 1% monthly interest charge (12% Annual Percentage Rate) will be added to outstanding balances if automatic payments are not scheduled. Available through online banking or the Huntington Mobile app to individuals with an active consumer checking account with at least three months of consistent deposit activity of $1,000 or more, and an average daily balance over the last 30 days of $200 or more. An active or recent bankruptcy or other legal process may disqualify you. Other eligibility requirements apply, including your recent overdraft and/or return history, regardless of whether you are charged overdraft fees or have transactions returned or they are waived with our 24-Hour Grace® and $50 Safety ZoneSM services. We reserve the right to change eligibility criteria at any time. Line amount and/or ongoing availability may vary based on changes to your deposit activity, average daily balance, and number and length of overdrafts and/or returns on any of your Huntington deposit accounts. When any of your Huntington deposit accounts are in an overdraft status for more than one day, your Standby Cash line may be suspended until they are no longer negative. If 90% or more 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. Business checking accounts are not eligible for Standby Cash.

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.

1Message and data rates may apply.

2Huntington 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.

4You may receive a direct deposit up to two days early with Early Pay if 1) you have a checking account with us, 2) a recurring qualifying direct deposit, and 3) provide us a valid email address. It is at our discretion to identify which recurring direct deposits are eligible for Early Pay and it may take up to 90 days to identify those deposits that qualify. We cannot guarantee that you will receive the Early Pay service due to unanticipated circumstances. Early Pay is automatic and there is no fee. You can opt out of the Early Pay service at any time, by contacting a branch or calling our service center at (800) 480-2265 and asking to have Early Pay removed. For more information, please see a Consumer Deposit Account agreement, or contact a branch. Learn more at Receive recurring qualifying direct deposits up to two days early at no charge. Some direct deposit types are not eligible.

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® and Standby Cash® are federally registered service marks of Huntington Bancshares Incorporated. $50 Safety Zone is a 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. Standby Cash is patent pending.

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