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Press Release

TCF Hosts Teleconference To Discuss 2003 Year-End and Fourth Quarter Earnings on January 15 at 10:00 a.m. CST

Company Release - 1/2/2004 10:47 AM ET

WAYZATA, Minn.--(BUSINESS WIRE)--Jan. 2, 2004--TCF Financial Corporation (TCF) (NYSE:TCB) is hosting a teleconference to discuss its 2003 year-end and fourth quarter financial results on Thursday, January 15, 2004 at 10:00 a.m. CST. TCF Chairman and Chief Executive Officer, William A. Cooper, is hosting the teleconference and will be joined by other TCF executives. If you would like to listen to TCF's live teleconference, please dial (800) 642-1385. To listen to the replay of TCF's teleconference, please dial (800) 642-1687 and enter conference ID # 4750934 during the following dates and times:

   Replay begins two hours after the call is completed on Thursday,

   January 15th and will be available through Friday, January 23rd.

TCF's teleconference will also be webcast live at TCF's website, www.tcfexpress.com. The link to TCF's live webcast can be found within the Investor Relations section of TCF's website by clicking on the Audio button. The teleconference will be archived for replay on TCF's website.

TCF is a Minnesota-based national financial holding company with $11.3 billion in assets. TCF has more than 400 banking offices in Minnesota, Illinois, Michigan, Wisconsin, Colorado and Indiana. Other TCF affiliates provide leasing and equipment financing, mortgage banking, brokerage, and investments and insurance sales.

    CONTACT: TCF Financial Corporation
, Wayzata
             Jason Korstange, 952-745-2755
             or
             Patricia L. Quaal, 952-745-2758
             www.TCFExpress.com

    SOURCE: TCF Financial Corporation

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