Open a checking account online in minutes. Earn a $200* bonus.
 

Open a Checking Account Online with Think Bank

A local checking account for everyday banking—now easier to open online

Looking for a local bank that makes opening a checking account simple and rewarding? That’s us. With Think Bank, you can open your checking account online in just a few minutes and choose from easy‑to‑manage options designed to fit your financial goals—all backed by real people who are here when you need them. And right now, opening a new checking account can come with a $200* bonus—or a donation to Bolder Options.
 

Earn a $200* bonus when you open a new checking account

Qualify in three simple steps:
1

Open a checking account

Open an eligible checking account with a minimum deposit of $50 through June 29, 2026.
2

Meet the bonus requirements

Within 60 days of account opening, receive two or more direct deposits totaling $2,000 or more and make 10+ Think debit card purchases (non-ATM).
3

Receive a $200* cash bonus

Your cash bonus will be deposited to your eligible checking account within 30 days after the 60-day qualification period or donated to Bolder Options youth mentoring!

Choose your perfect checking account

Preferred Interest Checking

Ideal for customers who maintain a balance of $1,500 or more and want to earn a higher interest rate.
  • Higher interest with a balance of $1,500 or more
  • Competitive interest if balance falls below $1,500
  • Only $6 monthly service fee if balance falls below $1,500
  • Free personalized checks

Direct Interest Checking

A great choice for those who set up direct deposit or automatic payments.
  • Earn interest when direct deposit or any automatic payment is setup
  • Competitive interest
  • No minimum balance
  • No monthly service fee
  • Free box of personalized checks
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50+ Interest Checking

A great option with tailored benefits for those aged 50+.
  • Competitive interest
  • No minimum balance
  • No monthly service fee
  • Free personalized checks

Simply Better Checking

A straightforward account with no age or balance requirements—great for everyone!
  • No minimum balance
  • No monthly service fee







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Find the checking account that fits how you bank

Answer a few quick questions and we’ll point you to the checking option that makes the most sense for you. If you’re not sure where to start, this short tool helps narrow it down.
 
 

All checking accounts include these features

VISA® debit card
Shop with confidence. VISA® debit cards are accepted worldwide at millions of locations.
 
Surcharge-free ATM access**
Get convenient access to your cash when you need it at over 40,000 ATMs without surcharge fees.
 
Direct deposit
Skip the wait and have your paycheck deposited directly into your account with direct deposit.
 
Overdraft protection options
Avoid overdraft fees and unexpected declines with our flexible overdraft protection options.
 
Mobile banking app
Manage your money anytime, anywhere with our free mobile banking app.
 
Online bill bay
Pay bills and send money on your time in online banking.
 
Mobile deposit
Easily deposit checks with our secure mobile app.
 
Electronic documents
Reduce paper clutter and go green with free e-statements and e-notices.
 
Account aggregation
See all your accounts in one place, including those from different institutions, and gain valuable insights into your finances with our free online money management tool, Insights.
A: Currently, you can earn $200* when you open a new checking account and meet the qualifying criteria.
A: To qualify for the bonus:
  • Open a new eligible checking account with a minimum opening deposit of $50 through June 29, 2026. 
  • Receive a minimum of two ACH credits/direct deposits to your new account totaling $2,000 or more within 60 calendar days of account opening (qualification period).
  • Use your Think Debit Card for 10 or more non-ATM card transactions that post and settle within 60 calendar days of account opening (qualification period). 
A: After the 60-day qualification period passes, Think determines if you have met the offer requirements. Any earned bonus will be deposited into your new checking account within 30 calendar days or donated to the designated charity if requested.
A: You can have the $200* deposited directly into your new checking account or ask that we donate the $200* to Bolder Options, a great cause! 
















Why choose Think Bank as your local bank?

 

Trusted guidance

Our commission-free team is here to listen and provide personalized recommendations you can rely on.
 

Community involvement

We're deeply committed to giving back, investing in 100+ non-profits every year.
 

Local banking

You can always visit a Think Bank branch in Apple Valley, Eagan, Edina, or Rochester.
 

Effortless banking

Bank anywhere with our mobile app and surcharge-free ATMs.

Open your new checking account online today!


Questions?

Call us at 1-800-288-3425 or visit a Think Bank branch in Apple Valley, Eagan, Edina or Rochester. No appointment needed. Member FDIC.
 
 

*Bonus Offer/Account information: Offer available to first-time checking customers age 18+. Existing checking customers ineligible to receive bonus. Customers with a closed a Think checking account during the prior three months are ineligible to receive bonus. To receive the $200 bonus: 1) Open a new eligible checking account with a minimum opening deposit of $50 through June 29, 2026. 2) Receive a minimum of two ACH credits/direct deposits to your new account totaling $2,000 or more within 60 calendar days of account opening (qualification period). 3) Use your Think Debit Card for 10 or more non-ATM card transactions that post and settle within 60 calendar days of account opening (qualification period). After the 60-day qualification period passes, Think determines if you have met the offer requirements and deposits any earned bonus into your new checking account within 30 calendar days or donates it to the designated charity if requested. Any bonus deposited to an account is reported on a 1099-INT.

**Think Bank debit card holders enjoy convenient access to our Think owned ATMs along with surcharge-free access to MoneyPass® and PULSE® network ATMs. Surcharges from out-of-network ATMs are drawn directly from your account at the time of your transaction. Think Bank debit card holders also receive eight  free transactions per month at ATMs not owned by Think Bank. After your eighth free transactions, you will be charged $1 per transaction, with funds drawn from your account at the end of each month. See fee schedule for details.