A person working on a laptop computer.

Checking

Looking for bank people who care? That’s us. We’re here to uncomplicate things and help you have a more meaningful relationship with your money. And yeah, that can start with one simple checking account.
 
 

All of our checking accounts include:

• Free debit card
• Free Think Online  (Online Banking & Mobile)
• Free e-statements & e-notices
• Access to 40,000+ surcharge-free ATMs1
• We pay you up to $10 for your old debit card and checks from your ex-bank .2
• And you get a thank you gift!3

Simply Better Checking

  • A great account for everyone
  • Free box of personalized checks
  • No minimum balance
  • No monthly service fee

Direct Interest Checking

  • Earn interest with the convenience of direct deposit or any automatic payment
  • Free box of personalized checks
  • Competitive interest
  • No minimum balance
  • No monthly service fee

50+ Interest Checking

  • Perfect for those 50 and over
  • Free personalized checks for life
  • Competitive interest
  • No minimum balance
  • No monthly service fee

Preferred Interest Checking

  • Best for those who want to earn higher interest rates
  • Free personalized checks for life
  • Higher interest with a balance of $1,500 or more
  • Competitive interest if balance falls below $1,500
  • Only $6 monthly service fee if the balance falls
    below $1,500

 

Answer three questions (or less) to find your perfect checking account:

Save up to $120 a year at Think!


Compare Think Bank Wells Fargo US Bank Old National Bank
Account Simply Better Checking Everyday Checking Bank Smartly Checking ONB Everyday Checking
Monthly service fee $0 $10 $6.95 $6.95
Balance to waive fee NONE $500 minimum $1,500 average $500 minimum
Buy back old checks & debit card? YES NO NO NO
Free gift at opening? YES NO NO NO
Annual cost in monthly service fees $0 $120 $83 $83

Competitive information above was obtained directly from financial institutions' websites during the week of 1/20/2025. Some institutions may have introductory offers or additional ways to waive the monthly service fee. Costs shown assume the customer does not meet the minimum balance requirement.



Open an account

Call us at 1-800-288-3425, visit us at a branch office, or click below to start saving more today. You can open an account in a matter of minutes and sign electronically. 


Let's get to know each other.  We'll go first.

Minimum 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 for details. Offer good on personal account only; ask us about our outstanding options for your business or organization. Bank rules and regulations apply.
 
1Think Bank debit cardholders 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 cardholders also receive eight free transactions per month at ATMs not owned by Think Bank. After your eighth free transaction, you will be charged $1 per transaction, with funds drawn from your account at the end of each month. See fee schedule for details.
 
2$5 for checks and $5 per debit card (up to a $10 maximum) from another financial institution given at the time the checks/debit cards are presented.

3We reserve the right to substitute a gift of similar value. Free gift may be reported on a 1099. Free gift provided at time of account opening.