Switch to a better checking account

Tired of confusing banking options and hidden fees? We hear you. At Think, we believe banking should be easy. That's why we offer checking accounts designed for real life, with features that make managing your money a breeze.

Open your first checking account with us and we'll drop an extra $50 into your account or donate it to a local food pantry.1

Explore our checking account options

Direct Interest Checking

  • Earn interest on your money with our most popular account, featuring direct deposit and no monthly service fees.

Preferred Interest Checking

  • The ideal account for earning higher interest rates, with a minimum balance to avoid a monthly service fee.

50+ Interest Checking

  • The perfect account for ages 50 and over to earn interest, with no monthly service fees.

Simply Better Checking

  • A great everyday account with all the essentials you need, and no monthly service fees.

Find the perfect checking account for you with three simple questions:

Help Me Choose


Three more great reasons to choose us

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

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

Effortless banking:

VISA® debit card
Shop with confidence. VISA® debit cards are accepted worldwide at millions of locations.
Access to ATMs
Get convenient access to your cash when you need it at over 40,000 ATMs without surcharge fees.2

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 Think Online.
Mobile deposit
Easily deposit checks with our secure mobile app.

eStatements & eNotices 
Reduce paper clutter and go green with free e-statements and e-notices.

Gain valuable insights into your finances with our free online money management tool, Insights.

Ready to simplify your banking?

Call us at 1-800-288-3425, visit us at a branch office, or click below to get started. No appointment needed.

Let's make banking easy. Choose Think Bank today!

Oh, and if you open an account today you'll also receive a FREE Bluetooth Tower Speaker!3

1Bonus Offer/Account information: Offer available to new primary checking customers age 18+. Existing checking customers ineligible to receive bonus. Customers who have closed a primary checking account during the last three months are ineligible to receive bonus. To receive the $50 bonus: 1) Open a new eligible checking account with a minimum opening deposit of $50 through SEPTEMBER 3, 2024. 2) Receive at least two ACH credits/direct deposits to your new account totaling $500 or more within 60 calendar days of account opening (qualification period). Once the 60-day qualification period has passed, Think will determine if you have met the offer requirements and will deposit any earned bonus into your new checking account within 30 days or donate it to the designated charity if that was requested. Any bonus deposited to an account is reportable on a 1099-INT.
2Think 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. 
3Minimum opening deposit is only $50. Ask for details. Other fees such as a non-sufficient funds, overdrafts, sustained overdraft fees, dormant fees, etc., may apply. See fee schedule or contact us for details. Offer good on personal account only; ask us about our outstanding options for your business or organization. Bank rules and regulations apply.
Free gift provided at time of account opening. We reserve the right to substitute a gift of similar value. Free gift may be reported on a 1099.