Person using a smartphone to open a checking account online.
Open your new checking account online—anytime, anywhere.
 

Personal checking accounts

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

Earn a $200* new checking bonus

Open your first Think Bank checking account and we'll drop an extra $200* into your account or donate it to your a local charity!
1

Open a checking account

Open an eligible checking account with a minimum deposit of $50 through August 31, 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 $200* cash bonus will be deposited to your eligible checking account within 30 days after the 60-day qualification period or donated to Bolder Options!

Choose your perfect 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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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.

Skip the wait and have your paycheck deposited directly into your account with direct deposit.
 
Avoid overdraft fees and unexpected declines with our flexible overdraft protection options.
 
Manage your money anytime, anywhere with our free mobile banking app.

Pay bills and send money on your time in online banking.
 
Easily deposit checks with our secure mobile app.
Reduce paper clutter and go green with free e-statements and e-notices.
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.




















Why choose Think Bank as your local bank?

We’re proud to serve individuals and families across our local communities with personalized, relationship‑based banking.
 

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

Community focus

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

Effortless banking

Enjoy digital banking with all the features you love.
 

Simplify your banking

Open an account online in just minutes and start managing your money with helpful tools and local support you can count on.
 

Questions?

Call us at 1-800-288-3425 or visit one of our Minnesota branch offices located in Apple Valley, Eagan, Edina and Rochester. No appointment needed. Member FDIC.
 



A minimum opening deposit of $50 is required for all checking accounts.
 
*Bonus Offer/Account Information:
Offer available to first-time checking customers age 18 or older. 
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 August 31, 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.
 
**Rates & Interest Disclosures:
Rates current as of July 1, 2026.
Simply Better Checking is a non-interest-bearing account.
Direct Interest Checking and 50+ Interest Checking earn 0.05% APY on balances of $0.00 and above.
Preferred Interest Checking is a tiered-rate account:
  •  0.05% APY applies to balances from $0.00 to $1,499.99 
  • 0.10% APY applies to balances of $1,500.00 and above  
Rates are variable and may change at any time at the bank’s discretion. APY (Annual Percentage Yield) assumes interest remains on deposit. Fees may reduce earnings.

***ATM and Debit Card Access:
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. 

 
****Gift Disclosure:
Normal banking rules and regulations apply. Other fees such as non-sufficient funds and overdrafts may apply. See our fee schedule for details.
Gift is provided at account opening and reported on a 1099-INT.