I signed up for this account in person at one of the branches listed on terms below. You get $50 immediately upon opening the account, and another $50 after you establish direct deposit and show up to the bank where you applied and notify them of the direct deposit. This eliminates ACH push I would assume.

Terms:

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Earn up to $100...

$50 FREE CASH just for opening a new TCF Totally Free checking account.

With a new TCF Totally Free Checking account, you'll enjoy:

- No minimum monthly balance requirement
- No monthly service fees or teller transaction fees
- Free online banking with free check front images
- Free direct deposit

Plus, $50 FREE CASH when you establish and confirm your new Direct
Deposit to your new Totally Free Checking account no later than
December 31, 2009.

This offer is available at the following TCF locations:

Buffalo Grove, IL - 79 McHenry Road (inside Jewel-Osco)

Cary, IL - 696 Northwest Highway (inside Jewel-Osco)

Chicago, IL - 4660 W. Irving Park Road (inside Jewel-Osco)

Des Plaines, IL - 819 S. Elmurst (inside Jewel-Osco)

Des Plaines, IL - 1500 Lee Street (inside Jewel-Osco)

Evanston, IL - 2485 W. Howard Street (inside Jewel-Osco)

Schaumburg, IL - 1151 S. Roselle Road (inside Jewel-Osco)

Waukegan, IL - 922 Green Bay Road (inside Jewel-Osco)

New Berlin, WI - 13995 W. National Ave. (inside Jewel-Osco)

1. Offer is available to individuals and small businesses without a
TCF Checking account in hte past 90 days. $25 minimum to open a TCF
Totally Free Checking account. Accounts must meet all account opening
requirements to qualify. This is a limited time offer. TCF reserves
the right to substitute a premium of equal value or change the offer
at any time. The value will be reported to the recipient as interest
income on Form 1099-INT. Customer is responsible for all applicable
taxes. Cash will credited into the appropriate account the date the
account is opened. 2. A new TCF Totally Free Checking account must
be opened Sept 1, 2009 - Oct 30, 2009. The direct deposit must be the
first payment of a recurring direct deposit that posts by November 30,
2009 (this excludes one-time payments such as state/federal tax
refunds). Customer must notify TCF in person at the location noted on
the direct deposit bonus fulfillment coupon, by December 31, 2009 that
the direct deposit has posted to the account in order to receive the
$50 credit. Cash will be credited to the appropriate account within a
week of the date that the customer notifies TCF Bank that the direct
deposit has posted and TCF Bank confirms the transaction. Customer is
responsible for all applicable taxes. Offer valid only at select TCF
branches.

TCF Banker instructions: Provide the customer with the $50 Direct
Deposit Bonus fulfillment coupon and key in promotion code REG22 in
officer code field at the time of new account opening.