TCF Informational Video!

TCF is a Wayzata, Minnesota-based national financial holding company with $15 billion in total assets.
TCF has 449 banking offices in Minnesota, Illinois, Michigan, Colorado, Wisconsin, Indiana and Arizona.
Other TCF affiliates provide leasing and equipment finance, and investments and insurance sales.
Corporate Philosophy
• TCF emphasizes convenience in banking; we’re open 12 hours a day, seven days a week, 364 days
per year. TCF banks a large and diverse customer base. We provide customers innovative products
through multiple banking channels, including traditional, supermarket and campus branches,
TCF EXPRESS TELLER® and other ATMs, debit cards, phone banking, and Internet banking.
• TCF operates like a partnership. We’re organized geographically and by function, with profit center goals
and objectives. TCF emphasizes return on average assets, return on average equity and earnings per
share growth. We know which products are profitable and contribute to these goals. Local geographic
managers are responsible for local business decisions, business development initiatives, customer
relations, and community involvement. Managers are incented to achieve these goals.
• TCF focuses on growing and retaining its large number of low-interest cost checking accounts by offering
convenient products with free features, such as TCF Totally Free Checking and TCF PLUS e Checking.SM
• TCF earns a significant portion of its profits from the deposit side of the bank. We accumulate a large
number of low cost accounts through convenient services and products targeted to a broad range of
customers. As a result of the profits we earn from the deposit business, we can minimize credit risk
on the asset side.
• TCF is primarily a secured lender and emphasizes credit quality over asset growth. The costs of poor
credit far outweigh the benefits of unwise asset growth.
• TCF strives to place The Customer First. We believe providing great service helps to retain existing
customers, attract new customers, create value for our stockholders, and build pride in our employees.
We also respect customers’ concern about privacy and know they place their trust in us. TCF is
committed to protecting the private information of our customers and retaining that trust is our priority.
• TCF is currently growing primarily through de novo expansion rather than acquisition. We are growing
by starting new businesses, opening new branches and offering new products and services.
• TCF encourages stock ownership by our officers, directors and employees. We have a mutuality of
interest with our stockholders, and our goal is to earn above-average returns for our stockholders.
• TCF believes interest-rate risk should be minimized. Interest-rate speculation does not generate
consistent profits and is high risk.
• TCF places a high priority on the development of technology to enhance productivity, customer service
and new products. Properly applied technology increases revenue, reduces costs and enhances customer
service. We centralize back office activities and decentralize the banking process.
• TCF utilizes conservative accounting and financial reporting principles that accurately and honestly report
our financial condition and results of operations. We believe good accounting drives good business
decision-making.
• TCF encourages open employee communication and promotes from within whenever possible.
TCF places the highest priority on honesty, integrity and ethical behavior.
• TCF believes in community participation, both financially and through volunteerism. We feel a
responsibility to help those less fortunate.
• TCF does not discriminate against anyone in employment or the extension of credit. As a result
of TCF’s community banking philosophy, we market our products and services to everyone in the
communities we serve.