TCF Financial Corporation, an acronym for Twin City Federal, was a bank holding company based in Detroit, Michigan.

TCF Financial Corporation began business in 1923 as Twin City Building and Loan Association.

[3] In 2002, the University of Michigan selected TCF as a preferred provider of banking services to students, faculty, and staff.

[6] In November 2006, TCF announced the sale of 10 branches in Battle Creek, Bay City, and Saginaw to Independent Bank.

[22] TCF was acquired by Huntington Bancshares in June 2021, and sold 13 branches in Michigan to Horizon Bank to gain regulatory approval for the merger.

[26] The bank processed higher amount transactions first in order to drain customer accounts faster, allowing TCF to then increase the number of total overdraft charges from each of the smaller amounts remaining, as well as charging overdraft fees on a daily basis rather than posing one flat fee.

[28] In January 2013, the Office of the Comptroller of the Currency assessed a $10 million fine on TCF for violating the Bank Secrecy Act for failure to file suspicious activity reports in a timely fashion.

[29] On January 21, 2020, an assistant manager at a TCF branch on Middlebelt Road in Livonia, Michigan, called police when Sauntore Thomas, an African-American account holder, attempted to deposit checks received as a settlement in a racial discrimination lawsuit.