TCF Bank Online Banking Guide History TCF Bank was founded in Minneapolis in 1923 as the Twin City Building and Loan Association. In 1936, it received a federal charter and changed its name to Twin City Federal Savings and Loan Association, a name later compressed to TCF. Since then, TCF Bank has expanded to multiple states throughout the Midwest, including Illinois, Michigan, and Wisconsin. However, several western states, such as Colorado, Arizona, and South Dakota have a handful of branches. Michigan is one of its primary operating centers, as it purchased a ...