| 词条 | TCF Bank |
| 释义 |
| name = TCF Bank | logo = Tcf bank logo15.png | logo_size = | type = Subsidiary | foundation = Minneapolis, Minnesota, USA (April 2, 1923) | location = Wayzata, Minnesota | key_people = Craig R. Dahl (CEO) | industry = Financial, Banking | products = Retail Banking Commercial Banking | net_income = | assets = | num_employees = | parent = TCF Financial Corporation | homepage = {{URL|https://www.tcfbank.com}} }}TCF Bank is the wholly owned banking subsidiary of TCF Financial Corporation, a bank holding company headquartered in Wayzata, Minnesota. As of November 2017, TCF Bank had nearly 321 branches in Minnesota, Illinois, Michigan, Colorado, Wisconsin, Arizona and South Dakota.[1] HistoryTCF Bank began business in 1923 as Twin City Building and Loan Association. It received a federal charter in 1936 and changed its name to Twin City Federal Savings and Loan Association. The company went public in 1986 chartered under the name TCF Banking and Savings, F.A. (TCF Bank). Despite some bank acquisitions such as Great Lakes Bancorp and Standard Financial, TCF Bank has grown primarily through de novo{{when defined as|date=September 2018}} expansion. On January 28, 2019, Chemical Bank of Detroit announced it would merge with TCF.[2][3] The new corporation will retain the TCF name, but be headquartered in the tower Chemical is constructing in Detroit. It will maintain large operating centers in Minneapolis and Midland, Michigan.[4] LocationsMinnesotaTCF Bank was founded in Minneapolis. With approximately 110 branches in the area, it continues to be a major force in the Twin Cities. In-store branches are located inside of Cub Foods stores. It is headquartered in Wayzata, Minnesota. TCF Bank operates campus branches in partnership with the University of Minnesota (including the Duluth campus) and St. Cloud State University. IllinoisTCF Bank operates 148 locations in the Chicago metropolitan area, including branches located inside Jewel-Osco stores. It closed 37 branches in 2013 and another 33 in 2016.[5] In some locations, it replaced the full-service branches with ATMs.[6] Wisconsin{{Expand section|date=September 2018}}TCF Bank operates 25 branches in Wisconsin. MichiganTCF Bank operates 38 branches throughout Michigan. In 1995, TCF increased its Michigan presence by acquiring the Great Lakes National Bank. From 1995 through 1998, the TCF Bank branches in Michigan operated under the Great Lakes National Bank name.[7] In 1999, all of the branches were reflagged as TCF. In 2002, the University of Michigan announced that TCF Bank had been selected as a preferred provider of banking services to students, faculty, and staff. The University terminated this agreement in 2015.[8] In 2005, TCF Bank announced the sale of its Michigan headquarters building to Ann Arbor real-estate company McKinley Associates, though part of the ground level remains a TCF Bank branch.[9] On November 6, 2006, TCF announced the sale of 10 branches in Battle Creek, Bay City, and Saginaw to Independent Bank.[10] With this sale, TCF's Michigan branches became concentrated in Southeast Michigan, primarily in and around metropolitan Detroit. ColoradoTCF has 36 branches in the Denver metro area and Colorado Springs. ArizonaTCF's first branch office was opened in Mesa, on December 13, 2006.[11] TCF now operates seven branches in the state of Arizona. South DakotaTCF has two branches in Sioux Falls. Executive Management
ControversiesOverdraft feesIn 2010, TCF Bank was sued regarding overdraft charges.[12] Some practices that came to light included processing 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. In 2011, TCF Bank changed its overdraft policy to include a daily $28 fee.[13] After public backlash, the bank reversed its policy in 2012.[14] Bank Secrecy ActIn January 2013, the Comptroller of the Currency assessed a $10 million fine on TCF for violating the Bank Secrecy Act.[15] This was a result of the bank's failure to file suspicious activity reports in a timely fashion. TCF Bank Stadium{{Details|TCF Bank Stadium}}On March 24, 2005, TCF Bank and the University of Minnesota announced that the bank would contribute $35 million during a 25-year period toward a proposed on-campus outdoor football stadium, in exchange for naming rights.[16] The original agreement contained an expiration date of December 31, 2005, but both parties agreed to extend it to June 30, 2006, to allow the legislature to provide additional funding.[17] Governor Tim Pawlenty signed the bill authorizing the stadium on May 24, 2006, and the stadium officially opened its doors for the inaugural Gopher football game of the 2009 season, held on September 12, 2009. References1. ^{{cite web| url=https://www.tcfbank.com/about-tcf/our-story| title=TCF Bank Profile| website=TCF Bank| accessdate=January 28, 2019}} 2. ^{{cite news| title=Chemical Financial to Acquire TCF in $3.6B All-Stock Deal| url=https://www.usnews.com/news/best-states/minnesota/articles/2019-01-28/2-midwest-based-banks-plan-to-merge-headquarter-in-detroit| date=January 28, 2019| agency=Associated Press| magazine=U.S. News & World Report| accessdate=January 28, 2019}} 3. ^{{Cite news|title=Sun Current Eden Prairie|page=7|author=Jason Jenkins|date=February 7, 2019}} 4. ^{{cite news| title=Chemical Bank to move headquarters to Detroit, bringing 500-plus employees| last=Pinho| first=Kirk| date=July 25, 2018| url=https://www.crainsdetroit.com/article/20180725/news/666916/chemical-bank-to-move-headquarters-to-detroit-bringing-500-plus| newspaper=Crain's Detroit Business| accessdate=January 28, 2019}} 5. ^{{cite news| title=TCF to close 37 bank branches in Chicago Jewel-Osco stores| url=https://www.chicagobusiness.com/article/20131211/NEWS07/131219943/tcf-to-close-37-bank-branches-in-chicago-jewel-osco-stores| date=December 11, 2013| last=Daniels| first=Steve| newspaper=Crain's Chicago Business| accessdate=January 28, 2019}} 6. ^{{cite news| title=TCF Bank closing 33 branches inside Jewel-Osco| url=https://wgntv.com/2016/02/05/tcf-bank-closing-33-branches-inside-jewel-osco/| date=February 5, 2016| work=WGN News}} 7. ^{{cite news| title=TCF, Great Lakes Bancorp to Merge| url=https://www.apnews.com/90a17ce7705f60b61643bbd17c73c3be| date=September 9, 1994| website=Associated Press}} 8. ^{{cite news| title=TCF Bank to end affiliation with University| url=https://www.michigandaily.com/news/tcf-no-more| first=Anastassios| last=Adamopoulos| newspaper=The Michigan Daily| date=March 16, 2015| accessdate=January 28, 2019}} 9. ^{{cite news| title=Two downtown Ann Arbor buildings sold for $50 million| url=https://www.mlive.com/business/ann-arbor/index.ssf/2017/08/mckinley_completes_sales_of_tw.html| date=August 12, 2017| first= Jessica| last=Haynes| newspaper=Ann Arbor News| accessdate=January 28, 2019}} 10. ^{{cite news| url=http://www.bizjournals.com/milwaukee/stories/2006/11/06/daily5.html| newspaper=Minneapolis/St. Paul Business Journal| date=November 6, 2006| title=TCF to sell 10 bank branches in Michigan| subscription=yes}} 11. ^{{cite news| title=Midwest bank to open in Mesa, expand across Arizona| url=https://www.bizjournals.com/phoenix/stories/2006/09/18/story9.html| first= Chris| last=Casacchia| newspaper=Phoenix Business Journal| date=September 17, 2006| subscription=yes}} 12. ^{{cite web| url=http://minnesota.publicradio.org/display/web/2010/09/08/tcf-lawsuit-debit-cards| title=TCF Bank faces lawsuit over overdraft fees| first=Martin| last=Moylan| work=Minnesota Public Radio News| date=September 8, 2010}} 13. ^{{cite news| url=http://consumerist.com/2011/10/14/tcf-bank-adds-new-28-daily-overdrawn-balance-fee/| title=TCF Bank Adds New $28 Daily Overdrawn Balance Fee| date=October 14, 2011| first=Ben| last=Popken| website=Consumerist}} 14. ^{{cite news| url=http://minnesota.publicradio.org/display/web/2012/02/01/tcf-overdraft-policiy| title=TCF adjusts options on overdraft fees| first=Martin| last=Moylan| work=Minnesota Public Radio News| date=February 1, 2012}} 15. ^{{cite web| url=http://www.occ.gov/news-issuances/news-releases/2013/nr-occ-2013-18a.pdf| title=Consent Order 2013-003| format=PDF| date=January 25, 2013| website=Office of the Comptroller of the Currency| accessdate=January 28, 2019}} 16. ^{{cite news| title=TCF Financial Corporation Gives $35 million| url=http://www1.umn.edu/umnnews/Feature_Stories/Gophers_new_TCF_Bank_Stadium.html| journal=UMN News| date=March 24, 2005| accessdate=January 28, 2019| deadurl=yes| archiveurl=https://web.archive.org/web/20060113215828/http://www1.umn.edu/umnnews/Feature_Stories/Gophers_new_TCF_Bank_Stadium.html| archivedate=January 13, 2006}} 17. ^{{cite web| title=Stadium Sponsorship Agreement With TCF Extended| url=http://www1.umn.edu/umnnews/Feature_Stories/Stadium_sponsorship_agreement_with_TCF_extended.html| journal=UMN News| date=December 28, 2005| accessdate=December 28, 2005| archive-url=https://web.archive.org/web/20060505025459/http://www1.umn.edu/umnnews/Feature_Stories/Stadium_sponsorship_agreement_with_TCF_extended.html| archive-date=May 5, 2006| dead-url=yes}} External links
5 : Banks based in Minnesota|Economy of the Midwestern United States|Economy of the Southwestern United States|1923 establishments in Minnesota|Banks established in 1923 |
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