Tcf national bank mobile deposit faq

tcf national bank mobile deposit faq

TCF Bank was the wholly owned banking subsidiary of TCF Financial Corporation, a bank holding company headquartered in Detroit. As of August 10, 2020. If you've never tried Huntington's mobile app, what are you waiting for? Check your balance with a tap, transfer money, pay bills, make deposits, change. TCF National Bank is now part of The Huntington National Bank. offer through TCF's online banking systems and mobile banking.
tcf national bank mobile deposit faq
tcf national bank mobile deposit faq

Tcf national bank mobile deposit faq -

Old National Banking Center

Fraud Prevention Reminder: Old National will never call, text or email you asking for personal information such as Online Banking credentials (passwords, etc.), Social Security Number, debit card number or PIN. If you have reason to doubt the validity of a call, email or text from Old National, please call us directly at 1-800-731-2265. Your safety is our priority.


ATM Deposits

Deposit checks and cash at most ONB ATMs.


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You can make an appointment to visit any of our branches. Just find the office on our web locator and select "Make an Appointment."

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How long does it take for a mobile deposit to go through TCF?

Checks deposited using mobile deposit have a different schedule. To see when your funds will be available, log into our mobile app and select Deposit check. In your first 30 days, the $250 same business day check availability does not apply.

Click to see full answer.

Also to know is, how long does it take for a mobile deposit to clear TCF?

We recommend you save checks for at least 30 days after you deposit them, or until the funds post to your account.

Furthermore, how do I deposit a check with my phone TCF?

  1. Select the deposit icon. Sign the back of the check and write “For TCF Mobile deposit only” under your signature.
  2. Enter the check amount.
  3. Choose which eligible TCF account you want your check to be deposited into and click review.
  4. Review your deposit details, then confirm. You're done!

In this regard, how long does it take for a mobile deposit to go through?

Deposits are subject to a hold period which could vary from 1 to 15 days. How long does it take for a check to clear if I use a mobile device to make a deposit? The time it takes for the mobile check deposit to clear will vary, depending on when the deposit is made and other factors.

Can you get scammed through mobile deposit?

Fraudsters contact their victims through email or social media posing as a potential employer, lender, or interested buyer on a marketplace site. The fraudster will further request the victim's bank account information and may even ask for online or mobile banking login credentials.


Woodforest Mobile Deposit

Banking at Your Convenience!

Woodforest Mobile Deposit is a secure and easy way to deposit a check from virtually anywhere, anytime!  You'll need to be enrolled in Woodforest Online Services and have the Woodforest Mobile Banking app installed on your iPhone® or AndroidTM .  Enjoy the flexibility and security of depositing  a check without driving to a branch.  It's as easy as taking a picture!

Flexible . . .

Use Woodforest Mobile Deposit to deposit checks on your time, at your place.  Woodforest Mobile Deposit is available 24/7, providing the convenience to deposit checks on your schedule.  No lines. No deposit slips. No need to drive to the bank.  No problem! 

Easy . . .

With Woodforest Mobile Deposit, depositing a check is as easy as 1 - 2 - 3!

  1. Select the eligible account into which you wish to deposit your check.

  2. Take a picture of your entire check with your mobile device camera. Be sure to take a picture of the entire back of your endorsed check or the system will automatically reject the deposit.

  3. Submit your deposit after verifying the information is correct.

And that's it!  You'll receive a confirmation email letting you know your deposit has been submitted, and another email once the deposit has been approved.

and Accessible!

The Woodforest Mobile app is available free from the app store for your device.  Search for Woodforest Mobile Banking to install. See our Mobile Banking page for more information  about our mobile offerings.

- Or -

For more information about Woodforest Mobile Deposit, visit our Frequently Asked Questions.

Best Practices for a Successful Mobile Deposit

  1. Ensure your check is properly filled out and is legible.  Endorse your check before taking the photos.

  2. When taking a picture of the check, place the check on a dark, non-reflective surface and flatten out the check.

  3. Make sure the entire check is displayed in the camera box; position your mobile device's camera directly over the check to capture a clear image.

    Important: Ensure you take a picture of the entire check, both the front and the back. Partial check images will automatically be rejected by the system.

  4. Preview the photo. If it is blurry or not legible, retake the photo.

  5. Once you have submitted the check for deposit, write "Mobile Deposit on [date of deposit]" on the memo line of the check.

  6. Retain the check until you have received confirmation that it has been approved and processed.  At that time you may destroy it; shredding is a secure way to dispose of a check.


I am unable to log into Online Banking. What should I do?

If you don’t know your password, please select the “forgot” link next to the appropriate field and follow the steps. If you cannot successfully reset your password or if you continue to be locked-out, call Customer Support at 1-888-988-3276 in order to regain access to Online Banking.

What should I do if I have an unauthorized debit card transaction on my account?

If you notice an unauthorized purchase on your account, report it by calling Customer Support at 1-888-988-3276. We will review your account with you to verify recent activity and initiate a dispute if any unauthorized transaction(s) exist. If necessary, we may block the card to prevent additional unauthorized transactions and issue you a new card.

Can I transfer funds to accounts at other financial institutions?

Yes, with our external transfer service (account-to-account), you can transfer funds to and from accounts at other U.S. financial institutions through our Online Banking services.

How do I enroll in mobile banking?

You need an online banking account before you can use mobile banking; you’ll use the same login for both. See the links below to download our mobile banking app.

Download for the iPhone
Download for the iPad
Download from Google Play

How do I get a new or replacement debit card?

Please contact your local branch or call Customer Support at 1-888-988-3276 for additional information and participating branches. This is for consumer debit cards only. Businesses will need to complete a new application.

Why do I have a purchase of $125 for gas when it was only $30? Why the hold?

When purchasing gas and using your Visa debit card, there may be an automatic hold of $125 regardless of the amount of gas you purchased. For example, you purchase $30 in gas, and your purchase may show $125 until the next day when the transaction has been processed. This hold is put on by Visa, not Farmers National Bank.

Do you have any type of gift cards?

We carry Visa gift cards that can be purchased at any Farmers National Bank branch. You may purchase gift card in increments from $10 to $1,000 for a fee of $4.95 each.

How can I avoid overdraft and non-sufficient funds fees?

There are several options available to help, each one designed to match your account(s) and style of banking. Call Customer Support 1-888-988-3276 or visit your local Farmers National Bank branch.

How do I order checks?

You have several options for ordering checks. Visit the Deluxe website. [] Or if ordering checks for first time, call 1-888-988-3276.

For Mobile Banking, how many deposits can I make per month, and what’s the max I can deposit?

There is a maximum of 10 deposits per month for no more than $5,000 in our mobile banking system.

How do I endorse my mobile banking deposits?

You must sign the check and state “Farmers National Bank Mobile Deposit Only.” This is to prevent duplicate negotiation of a check. Your check will not be deposited without this information.

Where does Farmers National Bank have locations?

How do I access my Checking account statement within Online Banking?

Click on the Documents tab and select the account you wish to view a statement for. For Document Type, choose Check Image Statements to view images as well as statement information or Checking Statements to view only statement information. Finally, select the account and the date range (Tip: Using smaller time frames in the date range helps to retrieve statements quickly). Click Submit and your statement will be downloaded.


If you’re someone who has had issues with your checking account in the past, then you know that it can be difficult to find a new bank to take you on as a customer.

From too many instances of insufficient funds to excessive over drafting, there are many reasons why you may have been blacklisted by ChexSystems.

Most financial institutions use ChexSystems to track the checking history of account applicants. So, it may be difficult to open a bank account.

In fact, most negative records in ChexSystems remain there for five years. That’s a long time to go without a bank account.

Luckily, there are still many reputable banks that don’t use ChexSystems to qualify customers.


Best Non-ChexSystems Bank of 2021

Why You Need a Non-ChexSystems Account

A non-ChexSystems checking account can be beneficial to have even if you already have another bank account.

Why? Banks and credit unions that use ChexSystems may conduct a sweep of all existing customers and freeze any bank accounts of individuals who have had a record created.

This can be extremely troublesome if you have all of your money in one place because you may not be able to access your account for as long as 30 days.

So, even if you have an existing account with a positive history, you run the risk of not having access to your own money with little to no warning at all.

Best Banks That Don’t Use ChexSystems of 2021

There are plenty of banks and credit unions that don’t use ChexSystems to choose from, all of which offer different features and benefits regardless of your banking history.



With Chime, a bad credit score is no longer a deal-breaker. They offer an award-winning mobile bank account and debit card with no credit check.

You can open an account online with no hidden bank fees. And by that, we mean no overdraft fees, no monthly maintenance fees, no foreign transaction fees, and no minimum balance fees – ever.

They offer over 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. Chime is definitely the best option on this list.

Acorns Spend Checking Account


The Acorns Spend Checking Account is the best of both worlds. It’s a flexible online checking account, and it also provides Acorns’ core investing functionality.

When you sign up for the account, you’ll receive an Acorns Visa debit card. And every time you swipe your card, Acorns rounds your transaction up to the nearest dollar. These funds are then invested in one of the preselected ETF funds you chose.

Plus, Acorns Spend comes with several other helpful features. For example, there are no ATM fees, and Acorns will reimburse you monthly for any third-party fees you accrue. And there are no overdraft fees or minimum balance requirements.

There is a $3 monthly fee for the Acorns Spend Checking Account, but the unlimited ATM reimbursements will more than compensate for this. Here is an overview of the account’s features:

  • Unlimited ATM reimbursement
  • No overdraft fees
  • No minimum balance required
  • FDIC-insured up to $250,000
  • Comes with mobile banking
  • Automated bill pay
  • Mobile check deposit
  • Direct deposit

Langley Federal Credit Union

Langley is another credit union that doesn’t use ChexSystems. They are located in Virginia, but membership is open to customers in all 50 states.

You must first open a share savings account with a minimum deposit of $5 before you can open a checking account. There are no minimum balance or monthly service charges. In addition, they offer free online and mobile banking, free online bill pay, and access to 55,000+ Allpoint ATMs Nationwide.

Account-holders can also get paid up to 3 days early with direct deposit.

Navy Federal Credit Union

To qualify for Navy Federal Credit Union membership, you must be an active-duty or retired member of the military, which includes the Armed Forces, National Guard, Coast Guard, and the Department of Defense.

If this sounds like you, then NFCU could be a great choice because they don’t use ChexSystems or EWS. Plus, there is a free checking account option with no minimum balance requirements and no monthly service fee with a qualifying direct deposit.

SunTrust Bank

When it comes to banks that don’t use Chexsystems, different people have had different experiences with Suntrust. For example, the bank states that it does not use ChexSystems to screen applicants, but some consumers claim they do.

It may depend on the severity of your history, such as fraud. SunTrust has several checking options available, but your best bet may be to start with their Essential Checking account.

You can either pay a $7 monthly service charge or meet one of several conditions to have the fee waived. The options are to have at least 10 bank transactions each month, have at least $500 in monthly deposits, or maintain a $500 balance.

Fort Sill National Bank

FSNB doesn’t use ChexSystems, and you don’t have to be in the military to apply.

The Basic Checking account has a $5 minimum deposit, and you need a daily minimum of $75; otherwise, you’ll be charged a fee of $5.50. In addition, account-holders get a Visa CheckCard and free online banking services.

Renasant Bank

For people residing in Alabama, Florida, Georgia, Mississippi, and Tennessee, Renasant doesn’t look at your ChexSystems report, EWS, or Telecheck.

However, you won’t be eligible if you owe any money to the bank. Account-holders also get a Mastercard debit card. All of their checking accounts require a $50 minimum deposit, and you’ll be charged $7.50 each month unless you maintain a balance of $500 or more.

United Bank

United Bank doesn’t use ChexSystems, but there are only locations in Maryland, Ohio, Pennsylvania, Virginia, West Virginia, and Washington, DC. You can open an account with a $50 minimum deposit. There is no minimum balance requirement or monthly fees.

You can also upgrade to rewards checking, where you earn cashback rewards and discounts on movies, theme parks, and prescriptions. It’s only $10 a month, or you can have the fee waived if you reach 15 purchase transactions monthly or have a minimum of $500 in regular deposits.

TD Bank

TD Convenience Checking is a great option for anyone looking for an affordable checking account. If you maintain a $100 daily minimum balance, the bank will waive the $15 maintenance fee.

This non-ChexSystems bank account comes with a free debit card and 24/7 live customer support. Plus, if you have a home equity or personal loan through TD Bank, you’re eligible for a 0.25% rate discount.

1st Convenience Bank

1st Convenience Bank is a branch of 1st National Bank Texas, and it’s only available in Texas, New Mexico, Arkansas, and Arizona. The bank doesn’t use ChexSystems to determine who can open an account.

You’ll need a minimum deposit of $20 to open a new checking account. And the bank does charge a monthly maintenance fee. However, you can avoid all monthly fees if certain conditions are met.

TCF Bank

TCF Bank has locations in Arizona, Colorado, Illinois, Indiana, Michigan, Minnesota, South Dakota, and Wisconsin.

TCF bank does use ChexSystems, but you can still qualify for a checking account as long as you don’t owe the bank any money. However, applicants with an EWS record may not qualify.

For TCF’s basic account, you need a minimum opening deposit of $25 to get started. After that, there are no minimum balance requirements or monthly fees.

US Bank

U.S. Bank’s Easy Checking Account is a great option for anyone trying to deal with the fallout of a negative ChexSystems report. When setting up the checking account, account holders will receive a free U.S. Bank Visa debit card and use of the mobile app.

If you have combined monthly direct deposits totaling $1,000 or more, U.S. Bank will waive the $6.95 monthly maintenance fee. U.S. Bank is accessible to banking customers across the U.S.


BancorpSouth offers several different checking accounts that don’t use ChexSystems, including My Way Checking. This account comes with the basic features you’d expect, like a free debit card, online banking, and bill pay.

You can open an account with a minimum deposit of $50. And you can get the monthly fee waived by meeting certain requirements.

Varo Bank

Varo Bank is an online-only bank that doesn’t use ChexSystems. So you can open a new checking account without worrying about the bank running your ChexSystems report. Varo requires no minimum deposit and has no monthly fees. Account-holders also get early access to direct deposit payments. Direct deposits usually post on the same day they’re received.

Varo Bank knows that just because you need second chance banking doesn’t mean you want sub-standard service. Your account comes with a free Visa debit card, access to over 55,000 Allpoint ATMs, and free paper check mailing.


GoBank is a good option for anyone looking for a basic checking account that doesn’t use ChexSystems. With this checking account, account holders can avoid its monthly fee of $8.95 with a $500 direct deposit.

Plus, GoBank offers free access to 42,000 ATMs. And the bank gives its customers access to a wide variety of budgeting and money management tools.

Regions Bank

You’ll need a minimum deposit of $50 to open a Simple Checking Account at Regions Bank. This account doesn’t come with too many bells and whistles. However, it’s a good option for anyone who wants a basic checking account from a bank that doesn’t use ChexSystems.

Regions Bank will lower your monthly maintenance fee from $8 to $5 per month if you sign up for online statements. And you’ll have the option to open a savings account through Regions Bank as well.

TD Ameritrade

TD Ameritrade offers a brokerage account with a comprehensive cash management offering. As a client, you get unlimited check writing. Once you open the brokerage account, you can complete the checking account application online.

A Cash Management account also gives you access to free online bill pay, as well as a free debit card with nationwide rebates on all ATM fees. In addition, there are no monthly fees if you maintain a $100 minimum daily balance. However, it’s important to note that a TD Ameritrade checking account is not FDIC-insured or bank guaranteed.

What’s the difference between non-ChexSystems and second chance banking?

Banks and credit unions that don’t use ChexSystems and second chance checking accounts generally have quite a bit in common. The main difference is that second chance banks may still use ChexSystems, but they’re willing to give you a second chance anyway.

Similar to non-ChexSystems banks, second chance bank accounts usually have either a low balance requirement or none at all. However, with a second chance checking account, you’ll most likely have to pay a monthly maintenance fee.

The best second chance checking accounts still have some of the same features and benefits as ChexSystems banks and credit unions, such as overdraft protection, online banking, and bill pay. With both accounts, you should also be able to upgrade to a standard checking account once you have a positive banking history.

Other Alternatives to Banking Without ChexSystems

If you still can’t qualify for one of these accounts or prefer to explore other options, you do have some choices. Here are the top alternatives to banking without ChexSystems, along with the pros and cons of each choice.

Second Chance Checking – As we mentioned above, sometimes a bank or credit union will offer second chance checking accounts to consumers who have a bad banking history. These accounts are sometimes called “fresh start checking” or “opportunity checking.” There are even some big banks like Wells Fargo and Bank of America that offer second chance banking.

Prepaid Debit Cards – A prepaid debit card acts very similarly to a regular debit card. The difference is you usually do have to pay a monthly fee of a few dollars. Each prepaid debit card has different ways to upload money, but usually, you can do it at a major retail store like Walmart or online. However, there may be additional fees when you load money.

Secured Credit Cards – A secured credit card can help you get a card to make purchases online and in-store, but it does come with some major drawbacks. You need to use your own cash as collateral against the account, plus you’ll still pay interest on any credit card balances you don’t pay in full. These cards are generally used to improve your credit score.

Online Services – Some reputable websites like PayPal offer e-wallet services to let you store your cash and pay online. You may even be able to qualify for a debit card. Unlike traditional banks, however, your funds may not be FDIC-insured, so do some research before making a decision.

Foreign Bank Accounts – Live near the Canadian or Mexican border? Consider opening a bank account in another country. It sounds extreme, but foreign banks may have different approval requirements you could benefit from.

Bottom Line

While the above list is a great start, we also explain how to get out of ChexSystems so that you can clear your name from their database. Follow the simple steps provided on that page, and before you know it, you will be able to choose to do business with any bank you want.


TCF Commercial Mobile Deposit

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With TCF's Commercial Mobile Deposit App you can safely and securely make deposits to your TCF commercial checking accounts anytime, anywhere

With TCF's Commercial Mobile Deposit App you can safely and securely make deposits to your TCF commercial checking accounts anytime, anywhere

by TCF National Bank

TCF Commercial Mobile Deposit
TCF Commercial Mobile Deposit
TCF Commercial Mobile Deposit

What is it about?

With TCF's Commercial Mobile Deposit App you can safely and securely make deposits to your TCF commercial checking accounts anytime, anywhere.

TCF Commercial Mobile Deposit

App Details

Last updated

February 17, 2021

Release date

September 20, 2018

App Store Description

With TCF's Commercial Mobile Deposit App you can safely and securely make deposits to your TCF commercial checking accounts anytime, anywhere.

Our mobile deposit app allows you to easily deposit one or multiple checks and submit deposits directly to your account. You can also submit deposits and have your main office review each item on the TCF deposit capture desktop system before they are transmitted to the bank.

Security is a priority. Rest assured that your personal information is kept safe!

Contact Us
You can contact your Treasury Management Sales Advisor or Treasury Management Services if you have any questions about the TCF Commercial Mobile App.

Get it for FREE in the App Store

AppAdvice does not own this application and only provides images and links contained in the iTunes Search API, to help our users find the best apps to download. If you are the developer of this app and would like your information removed, please send a request to [email protected] and your information will be removed.

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