Posted by William Charles on August 1, 2017
Bank Account Bonuses

Published on August 1st, 2017 | by William Charles

211

[Expired] [Targeted MN, MI, IL, WI, CO & SD] TCF Bank $250 Checking Bonus – Direct Deposit Optional

This bonus has expired, view other TCF bonuses here or the best bonuses here.

Offer is only available to people who have received the mailer, this is now being enforced.

Update: Calling in no longer works as they are manually verifying if you’re address received a mail out or not. Because of this I am removing it from our best bank bonus post.

Reposting as it seems like the mailer isn’t needed at all, especially when applying via phone.

Offer at a glance

  • Maximum bonus amount: $250
  • Availability: MN, MI, IL, WI, CO & SD. In branch or via phone [branch locations]
  • Direct deposit required: Optional
  • Additional requirements: See below
  • Hard/soft pull: Soft pull
  • ChexSystems: Unknown
  • Credit card funding: Up to $1,000 Visa & Mastercard only (not allowed in branch but can be done via phone. They might just allow $100 via phone but when they send you the details via e-mail you should be able to fund $1,000)
  • Monthly fees: None
  • Early account termination fee: None
  • Household limit: One
  • Expiration date: September 15th, 2017

The Offer

No direct link, see image below

  • TCF Bank is offering a bonus of $250 when you complete the following requirements:
    • Bring mailer in (not sure if this is actually required as it’s a non unique promo code). Promo code is JDM250
    • Open a TCF Free Checking account
    • Do one of the following within 60 days of account opening :
      • Receive direct deposits totaling $500 or more
      • Make at least $250 in debit card purchases

The Fine Print

  • MN, MI, IL, WI, CO & SD only.
  • Bonus will post to your account the business day following the criteria verification
  • One offer per household
  • Not eligible to current TCF customers or those who have closed an account in the last 90 days.
  • Banker instructions: Select code JDM250 in the express service select promotion drop down list
  • Non residents can only apply in branch and it seems like the mailer is required
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

This account has no monthly fees to worry about. There is a $2 fee if you receive paper statements. According to this fee schedule there is no early account termination fee.

Our Verdict

Thankfully it’s possible to apply over the phone without the mailer, so really open to everybody in the qualifying states (and possibly out of state).  Obviously a great deal as no monthly fee or direct deposit to worry about. Only need to spend $250 on a debit card and that’s not particularly difficult. As always please share your own experiences in the comments below. I will add this to our best bank bonus page.

Update: At least one reader had success over the phone.

Big thanks to reader, Brandon B, Rav & Ryan who let us know. Learn how to find bonuses and contribute to the site here.

Useful posts regarding bank bonuses:



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Dan
Dan

Just a general question, how do you go about talking to a banker? Do you say “I got this code in the mail and left it at home but I remember what it was”. Do you say “I saw this online and think it may work if you put it in”. Whats the strategy? I’m willing to give this a try

adam d
adam d

just ask them about this specific promotion. tcf bankers are usually very young. and they dont mind. tcf bank is pretty awful though, workers use it as a stepping stone to other banks.

Yet Another Redditor

Instead of printing it out, I usually save the picture from DoC on my phone and show it to the banker – as if from a flyer I have at home. It works most of the times. Only BMO Harris needed the actual flyer for the $300+$200 deal

dan
dan

ok i like that idea

Vincent
Vincent

For BMO Harris, I think it’s because so they can check if the address on the mailer matches your actual address. I had an outdated address on my drivers license so I had to pull up a recent bill on my phone to prove my address.

Mark O
Mark O

I wonder if buying a money order with the debit card would count as the $250 purchase.

eclipsor
eclipsor

I always just add funds to my serve/bluebird and it counts as a purchase

Shivansh
Shivansh

I used my card to add money to square cash but the banker informed me today that it didn’t count.

Josh
Josh

Why would that not count?

Shivansh Chandnani
Shivansh Chandnani

Not sure. I just did a ACH transfer anyways and will then ask if it qualifies.

Ryan
Ryan

Discover Savings push counted as a direct deposit.

jack
jack

Hello Ryan, the discover transfer posted as P2P. Will it trigger the bonus?

adam d
adam d

Tcf banks are at jewel-osco in chicagoland…im going to print out flyer and report back asap

Dan
Dan

I tried to do this with the last flyer that was posted here a couple months ago and several branches said no dice need your address on the flyer!

I received a TCF $250 flyer in the mail 5 days ago so now I will use it.

Chuck
Chuck

Can I ask which branches said that?

Luke
Luke

Alliant CU counted as a direct deposit when I did the offer couple months ago.

Darv
Darv

I tried this at two separate branches about two months ago and both denied me the bonus application. I even used a color laser to print off that coupon and brought it into the second branch (image from Reddit at the time). The person who helped me said that I had to have received the coupon in the mail and they wouldn’t accept what I brought in. First branch I brought up the image on my phone, no go including appeal to branch manager.

I suspect these are actually tied to your address and that’s how they pull it up.

Hopefully somebody posts on here that they get it.

TCF Bank is terrible. I would love nothing more than to take them down for $250.

Darv
Darv

Update:

Just opened this over the phone with bonus. Guy was really nice. Took a long time, but they got it opened for me and applied the code.

T
T

Did you call a local branch or the main number? if it was a main number, which one?

Darv
Darv

800-823-2265

Funding by credit card is available by phone up to $1000, Visa or MasterCard. Person who helped me assured me it would code on their end as purchase. I put in 1000 on my CIP but it wouldn’t go through so I funded $25 on my debit card.

BB
BB

Is your CIP new? I tried PNC shortly after receiving it and it was denied. A quick call to chase solved it.

Darv
Darv

@ BB,

New CIP as of May. I figured it could be an issue to resolve by calling them (Chase), but by this time I was on the phone with TCF for at least 30 minutes, and it wasn’t worth the hassle for me or worry to disconnect and try and get them back. I had called in with the previous $250 offer and they wouldn’t open it for me over the phone with the bonus offer, so I didn’t know if I got a particularly helpful CSR. I just wanted to get the account open with the bonus.

Also to be clear, you don’t give the card information over the phone. They set it up for you, email you a Web link, and then you finish the application with them over the phone. And it’s in this app that you put in your card info. You also have to pass security questions.

Hopefully this works for other folks. I think it ended up taking close to an hour for this phone call, but still better than heading into a branch for me, especially since I haven’t yet received one of these coupons.

Darv
Darv

I just got a call from Chase. They wanted to know if this attempt was me (funding with TCF on CIP).

This is a culture that I don’t appreciate. I had heard that Chase was aggressive with this and I had one experience with them a couple years ago that was consuming.

I don’t like that with some issuers, we have moved from a culture of assumed legitimacy with transactions to assumed fraud. I don’t want to have to call in ahead of time to tell a bank I’m going to make a purchase. Credit cards are supposed to be convenient.

I haven’t had an issue like this with any other issuer. In this case, no big deal, I lost out on $1k bandwidth of minimum spending (I don’t MS). But it did cost me.

It’s been a teetering between Amex and Chase for me with who has the best ecosystem and service. This is one notch for Amex for me.

Joe
Joe

Very late on this post, as I saw it on other blogs over a month and a half ago. I was one of the first ones to go out and go for this, and was able to successfully open. Made a $265 purchase, bonus posted day after the transaction posted. Closed account next week. Easy 250.

Stevil
Stevil

Are you thinking of the previous promo that ended in mid June? Just got the flyer for this yesterday.

lumangoy
lumangoy

anyone in MI try with a picture?

Marcus
Marcus

I just got the account. One thing to keep in mind is that there is a $2 monthly fee for paper statements.

Catso Mann
Catso Mann

TCF is a terrible bank, most of their bankers are buffoons so you should get a wide variety of opinions. I have my own horro story with them and am leery of anything connected with TCF and wish all of you good luck.

Dan
Dan

Most of all bankers are buffoons, so you know…

Todd M
Todd M

Just opened an account. I was told to expect a $19 fee for my first order of checks. Asked if I could opt out of checks and was told no.

Rav
Rav

That’s strange. I was asked if I wanted check and I told the banker no…. I find it weird that you were forced to.

Chuck
Chuck

Online you had an option not to order them. (after you call in, they set you up with an online account so you can read and agree to the disclosures.). We’ll see if I end up getting them foist upon me anyway.

Shivansh
Shivansh

That’s what the banker told me too when I tried to open the account in branch but later when I called them they said it wasn’t indeed required and that I should call them once I receive the checks. Did that and they put a stop payment on the checks and refunded me the fee.

Ryan
Ryan

I have three extra flyers to stick into the mail for anyone who wants one.

Opened this yesterday. Glad to see the bonus posts so quickly. Easy money.

Reply with your email address if interested.

Peter
Peter

Hey, can you please send one my way? Email is: pstrong1914@gmail.com

Mike t
Mike t

Tonellmi@gmail.com. interested

Jeff
Jeff

Could you email me a flyer. My email is jkish24@gmail.com ?

Thank you!

vincent
vincent

Could you email me a flyer. My email is vincent.dzhao@gmail.com ?

Thank you!

Sully
Sully

Two separate branches denied applying the $250 bonus without the physical flier to attach to the application. Hi-res picture on my phone was a no-go. Based on an earlier comment here you might have better luck calling 800-823-2265 to apply using the JDM250 promo code.

Mike
Mike

This mailed offer states the account must be opened in-branch, and yesterday in Ann Arbor, MI, I was told no credit card funding was allowed on opening a new checking account in-branch. Neither, I was also told, can one ACH transfer online from TCF accounts to outside accounts. But I wasn’t warned about any fees and I ordered no checks.

Don L

You can ACH pull your funds from a TCF Bank account by using another bank’s ACH system.

Rye
Rye

which location? plymouth rd or Pauline?

They accepted picture?

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