TCF Financial Corporation operates as the bank holding company for TCF National Bank that provides various retail and wholesale banking products and services. The company’s Lending segment offers retail lending services, including consumer loans for personal, family, and household purposes, such as home purchases, debt consolidation, financing of home improvements, autos, vacations, and education. This segment also provides loans secured by real estate and personal property, as well as unsecured personal loans; commercial real estate and business loans; leasing and equipment finance; inventory finance; and auto finance. Its Funding segment provides deposit products, including free checking accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans. This segment also offers treasury services, which includes investment and borrowing portfolios; and management of capital, debt, and market risks, including interest rate and liquidity risks. As of December 31, 2012, the company had 428 branches, including 194 branches in Illinois, 108 in Minnesota, 53 in Michigan, 36 in Colorado, 25 in Wisconsin, 7 in Arizona, 4 in Indiana, and 1 in South Dakota. The company was founded in 1923 and is based in Wayzata, Minnesota.

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