Private Banking: Key Things to Know

We’ll automatically select the Huntington accounts closest to your current TCF accounts. If you are a TCF checking customer and your combined balances allow you to consistently waive monthly fees on our Private Client Account, we will automatically upgrade you to this exclusive account with privileges and benefits that reward your relationship with us. We’ll tell you all about your new accounts in the Welcome Package we send you in early September, and you can count on our help to make any adjustments to suit your preferences.

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.

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 will 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 will operate as you originally established.

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

• Call Huntington Automated Banking at (800) 323-4695 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) 445-8460 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 huntington.com.
• 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 Huntington.com 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.

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.

Huntington will continue to support transfers from your qualifying savings, money market, or line of credit account to cover overdrafts, but we cannot support overdraft coverage from checking accounts or from multiple accounts. For details on how this will impact your specific overdraft coverage, please review the Welcome Package we send you in late August or ask your Private Bank Relationship Manager for details.

Unless you direct us otherwise, these relationships will automatically transition to Huntington on November 1, 2021. We will notify you of any changes well in advance.

There will be no interruption in service unless we have notified you otherwise.

We’ll mail you a letter with your new deposit and loan account and routing number(s) before October 12. They will also be available in Huntington Online Banking and in the Huntington Mobile app (Account Summary). Trust and Investment Management account numbers will be provided to you prior to November 1 when those services move to Huntington.

Most 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.

Continue to use your TCF or Chemical checks until the run out. When you are ready to order new checks, you can contact your Private Bank service team.

New Huntington Debit Mastercards will be mailed in late September or 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.

Your TCF debit card will be deactivated on November 4, if you have not previously activated your new Huntington debit card or you have not received a new card.

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 will need to be reestablished through Huntington Online Banking.

Use Zelle^® to send or receive money from family or friends.¹ 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.

Your Relationship Manager and Private Bank service team are prepared and ready to assist you with any questions and information you may need. As a Private Bank client, you will be able to arrange meetings with your Private Bank Relationship Manager at times and locations convenient for you.

For your in-branch banking needs, your branch network will expand on October 12 when TCF banking centers change to Huntington, and you can begin banking at any Huntington location. (Note that there will be some branch consolidations, primarily in places where the TCF and Huntington locations are close to each other, but we’ll give you plenty of advance notice if a banking center near you is affected.)

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. Then, beginning October 12, simply log in at huntington.com using your updated username and password to set up any Huntington Heads Up^®2 account alerts and begin using your new digital tools.

Download the Huntington Mobile app to manage your money from nearly anywhere with a few taps from your phone or tablet. Beginning October 12, you can establish mobile access to your Huntington accounts.

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-BANK and identify yourself using your phone number and debit card PIN.

Download Guide

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 your service needs.

Your online banking will be governed by the terms and conditions within The Huntington National Bank Online Services Agreement.

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.

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.

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.

Seasonal address preferences will not transfer to Huntington. Please let us know any time you want to make an update to your contact information.

Please refer to our Huntington Privacy Policies for information.

During the month of November, you will receive your final TCF Trust and Investment account statement, including activity through October. If, after the transition, you need access to any prior statements, you can contact your Relationship Manager. Statement cycles will remain approximately the same as they are today.

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.