Direct Transfer

Direct transfers utilize "ACH" (automated clearing house) to allow you to transfer money to your Think savings, money market, or checking accounts from your accounts at other financial institutions.


  • Increase your savings through regular deposits.
  • Improve funds management.
  • Set up worry-free loan payments.
  • Set up regular deposits monthly, biweekly, or as often as you wish.

How to set up a direct transfer

  • You will need the account number(s) and the routing number(s) of the financial institution the funds will come from. Routing numbers can usually be found on the bottom of checks or deposit slips. Be sure to verify this number with your financial institution.
  • Call 1-800-288-3425 to request an authorization form to set up your direct transfer.
  • It takes approximately 15 days to initiate your first ACH transfer after we receive your signed authorization.
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Member FDIC - NMLSR ID 440195

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Think Mutual Bank

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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.