When you open a new account, you’ll receive a FREE thank you gift. And your old debit card and checks from your ex-bank are worth $10 – so turn ‘em in!*

Account options

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

Where are you and your money headed? We'll help you get where you want to go.

  • We'll give you the tools you need to develop a meaningful relationship with your hard earned dollars. We're here to help you take care of what you earn – and do more with it.
  • Our team never (ever) makes a commission. We're encouraged to take our time to get to know you, and given the freedom to find answers for your specific situation.
  • As a mutual bank, our sole focus is serving you. We're owned by you - our customers – rather than stockholders. That means we choose people over profits, and will only sell you products and services you actually want and need.
  • Our culture is built on caring – for our customers, our employees, and our community. We give generously, we volunteer generously, and we make an impact.
  • Your success is how we measure ours. Let's get there together!

Save up to $120 a year at Think!

Compare Think Bank Wells Fargo US Bank BMO Harris
Account Simply Better Checking Everyday Checking Easy Checking Smart Advantage Checking
Monthly service fee $0 $10 $6.95 $2
Minimum balance to waive fee NONE $1,500 $1,500 NONE
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 $24
Competitive information above was obtained directly from financial institutions' websites during the week of 01/08/20. 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

Visit us, call 1-800-288-3425, or click below to start saving more today!

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.

*$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.

** We 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.