<HTML>
<HEAD>
<TITLE> Prepared by MERRILL CORPORATION
</TITLE>
</HEAD>
<BODY BGCOLOR="#FFFFFF" LINK=BLUE  VLINK=PURPLE>
<BR>
<FONT SIZE=3 ><A HREF="#01STP2210_1">QuickLinks</A></FONT>
<font size=3> -- Click here to rapidly navigate through this document</font>
<P ALIGN="CENTER"><FONT SIZE=2><B>As Filed with the Securities and Exchange Commission on&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </B></FONT></P>

<P ALIGN="RIGHT"><FONT SIZE=2><B> Registration No.&nbsp;33-&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></P>

<HR NOSHADE>
<HR NOSHADE>
<P ALIGN="CENTER"><FONT SIZE=5><B>TCF FINANCIAL CORPORATION<BR>  </B></FONT><FONT SIZE=2>(Exact name of registrant as specified in its charter) </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="TOP">
<TD WIDTH="50%" ALIGN="CENTER"><FONT SIZE=2><B>DELAWARE</B></FONT></TD>
<TD WIDTH="50%" ALIGN="CENTER"><FONT SIZE=2><B>41-1591444</B></FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="50%" ALIGN="CENTER"><FONT SIZE=2>(State or other jurisdiction of<BR>
incorporation or organization)</FONT></TD>
<TD WIDTH="50%" ALIGN="CENTER"><FONT SIZE=2>(I.R.S. Employer<BR>
Identification No.)</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->

<P ALIGN="CENTER"><FONT SIZE=2><B>200 LAKE STREET EAST, MAILCODE EX0-03-A, WAYZATA, MN 55391-1693<BR>  </B></FONT><FONT SIZE=2>(Address of principal executive offices, including Zip Code) </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>TCF FINANCIAL 1995<BR>
INCENTIVE STOCK PROGRAM<BR>  </B></FONT><FONT SIZE=2>(Full Title of Plan) </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>DIANE O. STOCKMAN<BR>
GENERAL COUNSEL FOR CORPORATE AFFAIRS<BR>
TCF FINANCIAL CORPORATION<BR>
200 LAKE STREET EAST, MAILCODE EX0-03-A<BR>
WAYZATA, MN 55391-1693<BR>  </B></FONT><FONT SIZE=2>(Name and address of agent for service) </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>(952)&nbsp;475-7054<BR>  </B></FONT><FONT SIZE=2>(Telephone number, including area code, or agent for service) </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>Approximate
date of commencement of proposed sale:<BR></FONT> <FONT SIZE=2><B>FROM TIME TO TIME AFTER THE EFFECTIVE DATE OF THIS REGISTRATION STATEMENT  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B> CALCULATION OF REGISTRATION FEE  </B></FONT></P>

<!-- User-specified TAGGED TABLE -->
<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="TOP">
<TD COLSPAN=9 VALIGN="BOTTOM"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="30%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=1><B>TITLE OF<BR>
SECURITIES<BR>
TO BE<BR>
REGISTERED</B></FONT></TD>
<TD WIDTH="1%" VALIGN="BOTTOM"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD WIDTH="21%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=1><B>AMOUNT<BR>
TO BE<BR>
REGISTERED</B></FONT></TD>
<TD WIDTH="1%" VALIGN="BOTTOM"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD WIDTH="11%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=1><B>PROPOSED<BR>
MAXIMUM<BR>
OFFERING<BR>
PRICE<BR>
PER SHARE</B></FONT></TD>
<TD WIDTH="1%" VALIGN="BOTTOM"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=1><B>PROPOSED<BR>
MAXIMUM<BR>
AGGREGATE OFFERING<BR>
PRICE</B></FONT></TD>
<TD WIDTH="1%" VALIGN="BOTTOM"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD WIDTH="16%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=1><B>AMOUNT OF REGISTRATION<BR>
FEE</B></FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=9 VALIGN="BOTTOM"><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="30%" VALIGN="BOTTOM"><FONT SIZE=2>Common stock, $.01 par value(1)</FONT></TD>
<TD WIDTH="1%" VALIGN="BOTTOM"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="21%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=2>2,500,000 shares(2)</FONT></TD>
<TD WIDTH="1%" VALIGN="BOTTOM"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="11%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=2>$41.945(3)</FONT></TD>
<TD WIDTH="1%" VALIGN="BOTTOM"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=2>$104,862,500(3)</FONT></TD>
<TD WIDTH="1%" VALIGN="BOTTOM"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="16%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=2>$26,216</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=9 VALIGN="BOTTOM"><HR NOSHADE></TD>
</TR>
</TABLE>
<!-- end of user-specified TAGGED TABLE -->

<DL compact>
<DT><FONT SIZE=2>(1)</FONT></DT><DD><FONT SIZE=2>Includes
Preferred Share Purchase Rights to purchase Series&nbsp;A Junior Participating Preferred Stock which currently are not separable from the common stock and are not
exercisable.
<BR><BR></FONT></DD><DT><FONT SIZE=2>(2)</FONT></DT><DD><FONT SIZE=2>The
number of shares registered represents the number of additional shares authorized by the board of directors and approved by shareholders on May&nbsp;10, 2000.
<BR><BR></FONT></DD><DT><FONT SIZE=2>(3)</FONT></DT><DD><FONT SIZE=2>Pursuant
to Rule&nbsp;457(c), the per share price is estimated, solely for the purpose of determining the registration fee, based upon the average of the high and low prices for
such TCF common stock, par value $.01, reported on the New York Stock Exchange on June&nbsp;8, 2001 of $41.945. </FONT></DD></DL>
<HR NOSHADE>
<HR NOSHADE>
<HR NOSHADE>
<!-- ZEQ.=1,SEQ=1,EFW="2051701",CP="TCF FINANCIAL CORPORATION",DN="1",CHK=591028,FOLIO='blank',FILE='DISK011:[01STP0.01STP2210]BA2210A.;10',USER='AHANSON',CD='12-JUN-2001;08:49' -->
<!-- Generated by Merrill Corporation (www.merrillcorp.com) -->
<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="page_ja2210_1_2"> </A> </FONT></P>

<!-- TOC_END -->
<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="ja2210_statement_of_incorporation"> </A>
<A NAME="toc_ja2210_1"> </A>
<BR></FONT><FONT SIZE=2><B>STATEMENT OF INCORPORATION    <BR>  </B></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to Instruction E, the contents of Registration No.&nbsp;33-63767 filed on October&nbsp;27, 1995, for the TCF Financial 1995 Incentive
Stock Plan are hereby incorporated by reference. </FONT></P>

<P><FONT SIZE=2><B>EXHIBITS  </B></FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE WIDTH="67%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="BOTTOM">
<TH WIDTH="12%" ALIGN="CENTER"><FONT SIZE=1><B>Exhibit Number</B></FONT><HR NOSHADE></TH>
<TH WIDTH="3%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="76%" ALIGN="LEFT"><FONT SIZE=1><B>Description<BR> </B></FONT><HR NOSHADE></TH>
<TH WIDTH="3%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="6%" ALIGN="CENTER"><FONT SIZE=1><B>Page</B></FONT><HR NOSHADE></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="12%" ALIGN="CENTER"><FONT SIZE=2>&nbsp;&nbsp;5</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="76%"><FONT SIZE=2>Opinion of Diane O. Stockman, General Counsel for Corporate Affairs of TCF Financial Corporation as to the legality of TCF Common Stock</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="6%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=2>5</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="12%" ALIGN="CENTER"><FONT SIZE=2><BR>
23</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="76%"><FONT SIZE=2><BR>
Consent of KPMG LLP</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="6%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=2><BR>
6</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="12%" ALIGN="CENTER"><FONT SIZE=2><BR>
24</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="76%"><FONT SIZE=2><BR>
Power of Attorney</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="6%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=2><BR>
7</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->

<P ALIGN="CENTER"><FONT SIZE=2>2</FONT></P>

<HR NOSHADE>
<!-- ZEQ.=1,SEQ=2,EFW="2051701",CP="TCF FINANCIAL CORPORATION",DN="1",CHK=640999,FOLIO='2',FILE='DISK011:[01STP0.01STP2210]JA2210A.;11',USER='AHANSON',CD='12-JUN-2001;08:49' -->
<!-- Generated by Merrill Corporation (www.merrillcorp.com) -->
<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="page_jc2210_1_3"> </A> </FONT></P>

<!-- TOC_END -->
<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="jc2210_signatures"> </A>
<A NAME="toc_jc2210_1"> </A>
<BR></FONT><FONT SIZE=2><B>SIGNATURES    <BR>  </B></FONT></P>

<P><FONT SIZE=2><I>&nbsp;&nbsp;&nbsp;&nbsp;The Registrant.</I></FONT><FONT SIZE=2>&nbsp;&nbsp;Pursuant to the requirements of the Securities Act of 1933, the registrant certifies that it has
reasonable grounds to believe that it meets all of the requirements for filing on Form&nbsp;S-8 and has duly caused this Registration Statement to be signed on its behalf by the
undersigned, thereunto duly authorized, in the City of Wayzata, State of Minnesota on June&nbsp;11, 2001. </FONT></P>

<!-- User-specified TAGGED TABLE -->
<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="TOP">
<TD WIDTH="47%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=3><FONT SIZE=2>TCF FINANCIAL CORPORATION</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="47%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2><BR>
By:</FONT></TD>
<TD WIDTH="1%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="45%" ALIGN="CENTER"><FONT SIZE=2><BR>
/s/&nbsp;</FONT><FONT SIZE=2>WILLIAM A. COOPER</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> William A. Cooper<BR></FONT> <FONT SIZE=2><I>Chairman of the Board and Chief Executive Officer</I></FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="47%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2><BR>
By:</FONT></TD>
<TD WIDTH="1%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="45%" ALIGN="CENTER"><FONT SIZE=2><BR>
/s/&nbsp;</FONT><FONT SIZE=2>NEIL W. BROWN</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> Neil W. Brown<BR></FONT> <FONT SIZE=2><I>Chief Financial Officer, Treasurer and Executive Vice President (Chief Financial Officer)
</I></FONT></TD>
</TR>
</TABLE>
<!-- end of user-specified TAGGED TABLE -->


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities and on the dates indicated. </FONT></P>

<!-- User-specified TAGGED TABLE -->
<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="BOTTOM">
<TD WIDTH="49%" ALIGN="CENTER" VALIGN="TOP"><FONT SIZE=2>*</FONT><HR NOSHADE><FONT SIZE=2> Thomas A. Cusick, Vice Chairman of the Board, Chief Operating Officer and Director</FONT></TD>
<TD WIDTH="3%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="49%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="49%" ALIGN="CENTER" VALIGN="TOP"><FONT SIZE=2><BR>
*</FONT><HR NOSHADE><FONT SIZE=2> Lynn A. Nagorske, President and Director</FONT></TD>
<TD WIDTH="3%" VALIGN="TOP"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%" VALIGN="TOP"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
*</FONT><HR NOSHADE><FONT SIZE=2> William F. Bieber, Director</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
*</FONT><HR NOSHADE><FONT SIZE=2> Rodney P. Burwell, Director</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
*</FONT><HR NOSHADE><FONT SIZE=2> John M. Eggemeyer III, Director</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
*</FONT><HR NOSHADE><FONT SIZE=2> Robert E. Evans, Director</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
*</FONT><HR NOSHADE><FONT SIZE=2> Luella G. Goldberg, Director</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
*</FONT><HR NOSHADE><FONT SIZE=2> George G. Johnson, Director</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
*</FONT><HR NOSHADE><FONT SIZE=2> Thomas J. McGough, Director</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
*</FONT><HR NOSHADE><FONT SIZE=2> Richard F. McNamara, Director</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
*</FONT><HR NOSHADE><FONT SIZE=2> Gerald A. Schwalbach, Director</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
*</FONT><HR NOSHADE><FONT SIZE=2> Ralph Strangis, Director</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
* /s/ GREGORY J. PULLES</FONT><HR NOSHADE><FONT SIZE=2> Gregory J. Pulles, Attorney-in-fact pursuant to Power of Attorney attached as Exhibit&nbsp;24.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
June&nbsp;11, 2001</FONT><HR NOSHADE><FONT SIZE=2> Date</FONT></TD>
</TR>
</TABLE>
<!-- end of user-specified TAGGED TABLE -->

<P ALIGN="CENTER"><FONT SIZE=2>3</FONT></P>

<HR NOSHADE>
<!-- ZEQ.=1,SEQ=3,EFW="2051701",CP="TCF FINANCIAL CORPORATION",DN="1",CHK=868762,FOLIO='3',FILE='DISK011:[01STP0.01STP2210]JC2210A.;4',USER='AHANSON',CD='12-JUN-2001;08:49' -->
<!-- Generated by Merrill Corporation (www.merrillcorp.com) -->
<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="page_ka2210_1_4"> </A> </FONT></P>

<!-- TOC_END -->
<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="ka2210_tcf_financial_corporation_and___tcf02855"> </A>
<A NAME="toc_ka2210_1"> </A>
<BR></FONT><FONT SIZE=2><B>TCF FINANCIAL CORPORATION AND SUBSIDIARIES<BR>  <BR>    INDEX TO EXHIBITS<BR>  FOR FORM S-8    <BR>  </B></FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE WIDTH="66%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="BOTTOM">
<TH WIDTH="12%" ALIGN="CENTER"><FONT SIZE=1><B>Exhibit Number</B></FONT><HR NOSHADE></TH>
<TH WIDTH="3%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="68%" ALIGN="LEFT"><FONT SIZE=1><B>Description<BR> </B></FONT><HR NOSHADE></TH>
<TH WIDTH="3%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="14%" ALIGN="CENTER"><FONT SIZE=1><B>Sequentially Numbered Page</B></FONT><HR NOSHADE></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="12%" ALIGN="CENTER"><FONT SIZE=2>&nbsp;&nbsp;5</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="68%"><FONT SIZE=2>Opinion of Diane O. Stockman, General Counsel for Corporate Affairs of TCF Financial Corporation as to the legality of TCF Common Stock</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="14%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=2>5</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="12%" ALIGN="CENTER"><FONT SIZE=2><BR>
23</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="68%"><FONT SIZE=2><BR>
Consent of KPMG LLP</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="14%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=2><BR>
6</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="12%" ALIGN="CENTER"><FONT SIZE=2><BR>
24</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="68%"><FONT SIZE=2><BR>
Power of Attorney</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="14%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=2><BR>
7</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->

<P ALIGN="CENTER"><FONT SIZE=2>4</FONT></P>

<HR NOSHADE>
<!-- ZEQ.=1,SEQ=4,EFW="2051701",CP="TCF FINANCIAL CORPORATION",DN="1",CHK=826107,FOLIO='4',FILE='DISK011:[01STP0.01STP2210]KA2210A.;3',USER='AHANSON',CD='12-JUN-2001;08:49' -->
<!-- Generated by Merrill Corporation (www.merrillcorp.com) -->
<BR>
<P><br><A NAME="01STP2210_1">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<FONT SIZE=2><A HREF="#toc_ja2210_1">STATEMENT OF INCORPORATION</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2><A HREF="#toc_jc2210_1">SIGNATURES</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2><A HREF="#toc_ka2210_1">TCF FINANCIAL CORPORATION AND SUBSIDIARIES INDEX TO EXHIBITS FOR FORM S-8</A></FONT><BR>

<!-- SEQ=,FILE='QUICKLINK',USER=VDESIO,SEQ=,EFW="2051701",CP="TCF FINANCIAL CORPORATION",DN="1" -->
<!-- TOCEXISTFLAG -->
</BODY>
</HTML>
[{"type": "S-8", "sequence": "1", "filename": "a2051701zs-8.htm", "description": "S-8", "secsgml_size_bytes": 16518}]
{"company-data": {"conformed-name": "TCF FINANCIAL CORP", "cik": "0000814184", "assigned-sic": "6021", "irs-number": "411591444", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-62792", "film-number": "1659153"}, "business-address": {"street1": "801 MARQUETTE AVE", "street2": "MAIL CODE 100-01-A", "city": "MINNEAPOLIS", "state": "MN", "zip": "55402", "phone": "6126616500"}, "mail-address": {"street1": "801 MARQUETTE AVENUE", "street2": "SUITE 302", "city": "MINNEAPOLIS", "state": "MN", "zip": "55402"}}
Prepared by MERRILL CORPORATION
QuickLinks
-- Click here to rapidly navigate through this document
As Filed with the Securities and Exchange Commission on
Registration No. 33-
TCF FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
DELAWARE
41-1591444
(State or other jurisdiction of
incorporation or organization)
(I.R.S. Employer
Identification No.)
200 LAKE STREET EAST, MAILCODE EX0-03-A, WAYZATA, MN 55391-1693
(Address of principal executive offices, including Zip Code)
TCF FINANCIAL 1995
INCENTIVE STOCK PROGRAM
(Full Title of Plan)
DIANE O. STOCKMAN
GENERAL COUNSEL FOR CORPORATE AFFAIRS
TCF FINANCIAL CORPORATION
200 LAKE STREET EAST, MAILCODE EX0-03-A
WAYZATA, MN 55391-1693
(Name and address of agent for service)
(952) 475-7054
(Telephone number, including area code, or agent for service)
Approximate
date of commencement of proposed sale:
FROM TIME TO TIME AFTER THE EFFECTIVE DATE OF THIS REGISTRATION STATEMENT
CALCULATION OF REGISTRATION FEE
TITLE OF
SECURITIES
TO BE
REGISTERED
AMOUNT
TO BE
REGISTERED
PROPOSED
MAXIMUM
OFFERING
PRICE
PER SHARE
PROPOSED
MAXIMUM
AGGREGATE OFFERING
PRICE
AMOUNT OF REGISTRATION
FEE
Common stock, $.01 par value(1)
2,500,000 shares(2)
$41.945(3)
$104,862,500(3)
$26,216
(1)
Includes
Preferred Share Purchase Rights to purchase Series A Junior Participating Preferred Stock which currently are not separable from the common stock and are not
exercisable.
(2)
The
number of shares registered represents the number of additional shares authorized by the board of directors and approved by shareholders on May 10, 2000.
(3)
Pursuant
to Rule 457(c), the per share price is estimated, solely for the purpose of determining the registration fee, based upon the average of the high and low prices for
such TCF common stock, par value $.01, reported on the New York Stock Exchange on June 8, 2001 of $41.945.
STATEMENT OF INCORPORATION
Pursuant to Instruction E, the contents of Registration No. 33-63767 filed on October 27, 1995, for the TCF Financial 1995 Incentive
Stock Plan are hereby incorporated by reference.
EXHIBITS
Exhibit Number
Description
Page
5
Opinion of Diane O. Stockman, General Counsel for Corporate Affairs of TCF Financial Corporation as to the legality of TCF Common Stock
5
23
Consent of KPMG LLP
6
24
Power of Attorney
7
2
SIGNATURES
The Registrant.
Pursuant to the requirements of the Securities Act of 1933, the registrant certifies that it has
reasonable grounds to believe that it meets all of the requirements for filing on Form S-8 and has duly caused this Registration Statement to be signed on its behalf by the
undersigned, thereunto duly authorized, in the City of Wayzata, State of Minnesota on June 11, 2001.
TCF FINANCIAL CORPORATION
By:
/s/
WILLIAM A. COOPER
William A. Cooper
Chairman of the Board and Chief Executive Officer
By:
/s/
NEIL W. BROWN
Neil W. Brown
Chief Financial Officer, Treasurer and Executive Vice President (Chief Financial Officer)
Pursuant
to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities and on the dates indicated.
*
Thomas A. Cusick, Vice Chairman of the Board, Chief Operating Officer and Director
*
Lynn A. Nagorske, President and Director
*
William F. Bieber, Director
*
Rodney P. Burwell, Director
*
John M. Eggemeyer III, Director
*
Robert E. Evans, Director
*
Luella G. Goldberg, Director
*
George G. Johnson, Director
*
Thomas J. McGough, Director
*
Richard F. McNamara, Director
*
Gerald A. Schwalbach, Director
*
Ralph Strangis, Director
* /s/ GREGORY J. PULLES
Gregory J. Pulles, Attorney-in-fact pursuant to Power of Attorney attached as Exhibit 24.
June 11, 2001
Date
3
TCF FINANCIAL CORPORATION AND SUBSIDIARIES
INDEX TO EXHIBITS
FOR FORM S-8
Exhibit Number
Description
Sequentially Numbered Page
5
Opinion of Diane O. Stockman, General Counsel for Corporate Affairs of TCF Financial Corporation as to the legality of TCF Common Stock
5
23
Consent of KPMG LLP
6
24
Power of Attorney
7
4
QuickLinks
STATEMENT OF INCORPORATION
SIGNATURES
TCF FINANCIAL CORPORATION AND SUBSIDIARIES INDEX TO EXHIBITS FOR FORM S-8