Personal Checking Accounts
When you open a new account, you'll receive a FREE thank you gift, and we'll pay you up to $10 for your debit card and unused checks from your current checking account at another financial institution.*
Opening an account couldn't be easier - visit us or call 1-800-288-3425 to start saving more today.
Save up to $120 a year at Think!
COMPARE: |
Think Bank |
Wells Fargo |
US Bank |
BMO Harris |
Simply Better Checking |
Everyday Checking |
Easy Checking |
Smart Advantage Checking |
|
Monthly service fee |
$0 |
$10 |
$8.95 |
$2 |
Minimum balance to waive fee |
NONE |
$1,500 |
$1,500 |
$1,000 |
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 |
$107 |
$24 |
Competitive information above was obtained directly from financial institutions' websites during the week of 08/02/18. 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.
All checking accounts include
- Free Debit Card
- Free Online Banking
- Free Bill Pay
- Free Mobile Banking app with Mobile Deposit
- Free eStatements & eNotices
- Free thank you gift**
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
Think all banks are the same? Think again.
- You won't be treated like an account number here - we genuinely care about your financial well being.
- Our employees earn a fixed salary and are not incented by which products you choose or how much money you bring to the bank. So you can trust that the recommendations we make are in your best interest.
- Giving generously to and caring for the communities in which we operate is part of our organizational values. Helping build vibrant, successful communities benefits us all – and it's the right thing to do.
- As a mutual bank, our sole focus is serving you. We're owned by our customers, not stockholders. This means we deliver care over sales pressure and indifference. We believe fair prices are more important than increased profits.
- Your success is how we measure ours.
Branch locations
Rochester, MN
Twin Cities Metro Area
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.
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