Personal Banking: Key Things to Know

A little extra knowledge now that you’ve moved to Huntington Personal Banking.

Looking Out for You, Right from the Start

Checking and Savings
To save you time and effort, we automatically selected the Huntington accounts closest to your previous TCF accounts. We told you all about your new accounts in the Welcome Package we sent in late August, and you can count on our help to make any account adjustments to suit your preferences and add value to your banking relationship.
Loans and Lines
These accounts transitioned to Huntington between October 1 through October 4 and became available for viewing in Huntington Online Banking. All other accounts are viewable as of October 12, 2021. To establish an online banking profile on, click “Enroll now” under “New to Online Banking?”. You will need your new loan account number to enroll.

If you have an Overdraft Protection Line of Credit, the automatic sweep of funds from your line of credit to your checking account in the event of an overdraft did not occur from Friday, October 1, 2021, through Monday, October 11, 2021. Beginning Tuesday, October 12, 2021, in the event of an overdraft, the automatic sweep functionality resumed operating as you originally established.

You can make a loan payment at Huntington the following ways:
  • 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.

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

Credit Cards
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.
Overdraft Protection
We are continuing to support your previous overdraft coverage arrangements if possible, but our terms and qualifying accounts will be different in some cases. For details on how this will impact your specific overdraft coverage, please review the Welcome Package we sent you in late August. Huntington also has innovative new ways to help you avoid overdraft fees, and they started working for you automatically on October 12: including no overdraft fee $50 Safety Zone. and 24-Hour Grace®1.
Investment Accounts
These accounts will automatically transition to Huntington on October 18 and be available in Huntington Online Banking.
Safe Deposit Box
There will be no interruption in service unless we have notified you otherwise.
Account Numbers
Your account/routing numbers have changed. 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 did not log in to TCF digital banking in the three months leading up to your transition to Huntington, we provided you with your new account/routing number(s).
Continue to use your TCF or Chemical checks until they run out. To order Huntington checks, visit a branch, order online at, or call (800) 355-8123.
Debit and ATM Cards
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 12 months leading up to your transition to Huntington. If you only have a savings account, we sent you an ATM replacement card.

Continue to use your current PIN. For your personal security, if your TCF PIN was 9999, we mailed you a new PIN prior to the date shown on the activation sticker on your new card. Activate and use your new card beginning on the date on the card activation sticker.

Remember to update your new card information anywhere you have it saved for automatic payments like mobile wallet, utilities, memberships, and online purchases.

If you have not previously activated your new Huntington debit card or you have not received a new card, your TCF debit card will be deactivated on November 4.
Bill Pay
Most bill payees, and scheduled payments were transferred. eBills have been discontinued. You will receive mailed bills unless you set up paperless bills directly with the biller. If you are a recurring eBill Present & Pay (EBPP) customer, please reestablish these payees the first time you log in to Huntington Online Banking. (Note: At Huntington, bill pay funds are debited from your account on the day we send the payment, not the payment delivery date. Bill payments and transfers entered before 8 p.m. ET will be processed on the same business day.) Please verify payees and scheduled payments before the due date.
Direct Deposits/Automatic (ACH) Payments
These payments will continue without interruption unless otherwise notified. Huntington will notify your automated payment providers and recipients of your new deposit account number(s) and routing numbers.
Scheduled internal or external transfers set up through TCF digital banking need to be reestablished through Huntington Online Banking.
Use Zelle to send or receive money from family or friends.2 Simply activate your Huntington debit card, open the Huntington Mobile app, and select the Payments tab. Payment transaction history from the Zelle app will not be available. Learn more about sending money to people you know with Zelle in the Huntington Mobile app.
Online Banking/Huntington Heads Up® Alerts
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.

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. Learn more about Huntington’s unique banking innovations and digital tools.
Mobile App
Download the Huntington Mobile app to manage your money from nearly anywhere with a few taps from your phone or tablet. Log in using your new username and password to take advantage of all the great features starting October 12.
Automated Telephone Banking
You have easy, 24/7 access to your account balances, and you are also able to make payments, transfer money, and more. Simply call (800) 480-2265 and identify yourself using your phone number and debit card PIN.

Download Guide
“Ask Us” Virtual Assistant
Get quick answers to basic banking questions with the “Ask Us” Virtual Assistant on, in Online Banking, and in the Huntington Mobile app. If the “Ask Us” Virtual Assistant can’t find what you need, it will direct you to a representative from the best team to fit you service needs.
Online Services Agreement
Your online banking will be governed by the terms and conditions within The Huntington National Bank Online Services Agreement.
Mortgage and Personal Credit Line Online Access
View accounts online at Huntington by clicking “Enroll now” under “New to Online Banking?”. You will need your new loan account number to enroll.

If you are a customer who had accounts at both Huntington and TCF, and you are already enrolled in Huntington Online Banking, your TCF accounts that transferred to Huntington should have been automatically added to your existing profile and should be viewable online at Huntington with no separate sign-in required. If you do not see your former TCF accounts added to your Huntington Online Banking profile, please call us for assistance.
Deposit Account Statements
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 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.
Seasonal Addresses
Seasonal address preferences have not transferred to Huntington. Please let us know any time you want to make an update to your contact information.
Tax Reporting
We will send you and the IRS any applicable tax reporting information for 2021.
Privacy Preferences
Please refer to our Huntington Privacy Policies for information.
Quicken, QuickBooks and Mint
Quicken, QuickBooks and Mint users need to reconnect to Huntington to access their accounts and transactions in each platform. Complete the deactivation of your TCF Web Connect feeds and reactivate using the Huntington Bank transaction feed or using your Huntington transaction data.

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

1 Huntington 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.

2For your protection, you should only send money to those you know and trust, such as family, friends and others such as your personal trainer, babysitter or neighbor. If you don’t know the person or aren’t sure you will get what you paid for, you should not use Zelle® for these types of transactions. Must have a bank account in the U.S. to use Zelle. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. In order to send payment requests to a U.S. mobile number, the mobile number must be enrolled in Zelle.

3Message and data rates may apply.

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

24-Hour Grace® and Huntington Heads Up are federally registered service marks of Huntington Bancshares Incorporated. $50 Safety ZoneSM 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.

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

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.