Personal Banking: Key Things to Know

A little extra knowledge to simplify your move to Huntington personal banking.

Looking Out for You, Right from the Start

Checking and Savings
To save you time and effort, we’ll automatically select the Huntington accounts closest to your current TCF accounts. We’ll tell you all about your new accounts in the Welcome Package we will send 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 after October 12.
Loans and Lines
September 30, 2021 was 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 Huntington.com by clicking “Enroll now” under “New to Online Banking” starting October 5. You will need your new loan account number included in this letter to get started.
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 will continue to support your current overdraft coverage arrangements when 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 send you in late August. Huntington also has innovative new ways to help you avoid overdraft fees, and they start 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. We will notify you of any changes well in advance.
Safe Deposit Box
There will be no interruption in service unless we have notified you otherwise.
Account Numbers
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.
Checks
Continue to use your TCF or Chemical checks until they run out. To order Huntington checks after October 12, visit a branch, order online at huntington.com, or call (800) 355-8123.
Debit and ATM Cards
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.

Continue to use your current PIN. 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. Activate and use your new card beginning on the date on the card activation sticker.

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.

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
Your last opportunity to initiate online bill payments or eBills through tcfbank.com is October 4.

Most bill pay transaction history, bill payees, and scheduled payments will be transferred. eBills will be discontinued. You will receive mailed bills, unless you set up paperless bills directly with the biller. If you are an 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.
Transfers
Scheduled internal or external transfers set up through TCF digital banking will need to be reestablished through Huntington Online Banking.
Transfers
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
For most customers, when you log in to TCF digital banking, we will guide you through username and password updates, 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.
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’ll have easy 24/7 access to your account balances, and you’ll also be able to make payments, transfer money, and more. Starting October 12, 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 huntington.com, 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
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.

View accounts online at Huntington beginning October 5, 2021 by clicking “Enroll now” under “New to Online Banking.” You will need your new loan account number to get started. Watch your mailbox for a letter containing this information.

If you are a customer with accounts at both Huntington and TCF, and you are already enrolled in Huntington Online Banking, your TCF accounts transferring to Huntington should be automatically added to your existing profile and viewable online at Huntington with no separate sign-in required. If you do not see your TCF accounts added to your Huntington Online Banking profile after October 12, 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 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 will not transfer 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. If you receive tax statements through tcfbank.com, please print them for your records prior to October 1, 2021.
Privacy Preferences
Please refer to our Huntington Privacy Policies for information.
Quicken/QuickBooks
Quicken, QuickBooks and Mint users will need to reconnect to Huntington to access their accounts and transactions in each platform. Here are some tips to help with this transition:

Before October 8, 2021 – Please download final transactions and create a data file backup.

On or after October 12, 2021 – Complete the deactivation of your TCF Web Connect feeds and reactivate using the Huntington Bank transaction feed or using your Huntington transaction data.

Note: Between October 8 and October 12 – Transactions will not be available to download into Quicken.

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.