About Think

How Think is different:

Think all banks are the same? Think again. We take a straightforward and simple approach to banking, and we work hard to be easy to work with. Your financial institution should be a partner on your road to financial success. So we strive to deliver the highest quality care with compassion and trust.

Keeping our products, interest rates, and fees simple, lets us focus on you instead of explaining special requirements, hidden fees, teaser rates, or gimmicks. At Think, we listen - you won't be treated like an account number here.

We believe being good corporate citizens means giving generously to the people and organizations

that make our communities great. Helping build vibrant, successful communities benefits us all – and it's the right thing to do. Our employees earn a fixed salary and are not incented by which products you choose or how much money you bring to the bank. You can trust that the recommendations we make are in your best interest.

As a mutual bank, our sole focus is serving you. We're owned by our customers, not stockholders. This means we deliver care over sales pressure and indifference. We believe fair prices are more important than increased profits.

Your success is how we measure ours.


Good customer care begins with us taking care of our employees. Providing a healthy and flexible work life balance for our staff is essential to us.

Think gives

Giving generously to and caring for the communities in which we operate is part of our organizational values.

Personal Banking

Every bank offers similar products, but a few key differences can have a big impact on your financial wellbeing.


We offer all of the day-to-day banking essentials you expect, including checking and savings accounts, CDs, money markets, and IRAs.We also offer several ways to access and manage your money like online banking, mobile banking, and debit cards can make your life easier.


From cars to homes and home improvements, we're here to help you get what you need.


Living well means planning well. We're here to help you reach your long-term goals.


Think Insurance provides much more than simple auto and homeowners insurance policies. They provide the peace of mind that comes with knowing you and your family are protected from the threat of financial loss.

Business Banking

At Think we applaud businesses for the jobs they create and the strength they bring to the community. While you put your energy into growing your business, we'll make sure the banking end is streamlined and hassle-free.


With Think, you'll find straightforward banking options to fit your business. We also have the tools you need to manage your money and accept payments from your customers.


Grow your business with a loan, line of credit, or Think Business VISA card.

Bank with Think:

Open An Account

You can also visit one of our branch locations or call us at 1-800-288-3425.

Equal Housing Lender Equal Housing Lender
Equal Housing Lender Equal Housing Lender

Member FDIC - NMLSR ID 440195

Bank smart, live well.

Think Mutual Bank

© 2019 - Think Mutual Bank | Legal Notices | Privacy Policies

Insurance products are offered through Think Insurance (MN license # IA-538), not Think Mutual Bank. Insurance products are not FDIC insured, are not insured by any federal agency, and are not a deposit or guarantee of Think Mutual Bank. This is not a policy. For a complete statement of coverages and exclusions, please see the policy contract.

The financial advisors of Think Financial Planning offer securities and advisory services through Commonwealth Financial Network®, member FINRA/SIPC, a Registered Investment Adviser. Investments are not insured by the FDIC and are not deposits or other obligations of, or guaranteed by, any depository institution. Funds are subject to investment risks, including possible loss of principal investment. Think Mutual Bank is not a registered broker-dealer or Registered Investment Adviser. Think Mutual Bank and Commonwealth are separate and unaffiliated entities. Fixed insurance products and services offered by CES Insurance Agency, Think Insurance, or Think Financial Planning. Think Financial Planning is headquartered at 5200 Members Pkwy NW, Rochester, MN 55901. Check the background of this firm on FINRA's BrokerCheck.

This information is provided for new customers who live or work in Minnesota, and for existing customers residing in the states of AR, AZ, CA, CO, FL, IL, IN, IA, KS, KY, MA, MD, MI, MN, MO, MT, NM, NV, NY, ND, NC, OH, PA, SD, TN, TX, UT, VA, WA, WI, WY. No offers may be made or accepted from any resident outside of these states due to various state regulations and registration requirements regarding investment products and services.