More cash and a better bank
Open your first checking account and we'll drop an extra $200 into your account or donate it to your local Habitat for Humanity!1
Get your $200 bonus in 3 easy steps!1
- Open an eligible checking account with a minimum deposit of $50 by December 30, 2024.
- 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).
- Your $200 cash bonus will be deposited to your eligible checking account within 30 days after the 60-day qualification period or donated to Habitat for Humanity!
Find your perfect checking account:
Direct Interest Checking—our most popular!
- Earn interest with the convenience of direct deposit or any automatic payment
- Competitive interest
- No minimum balance
- No monthly service fee
- Free box of personalized checks
Preferred Interest Checking—for those who want to earn a bit more.
- 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 - Free personalized checks
Simply Better Checking—works for everyone.
- No minimum balance
- No monthly service fee
- Free box of personalized checks
50+ Interest Checking—great for those over 50!
- Competitive interest
- No minimum balance
- No monthly service fee
- Free personalized checks
All of our checking accounts include:
VISA® debit card
Shop with confidence. VISA® debit cards are accepted worldwide at millions of locations.
Access to ATMs
Get convenient access to your cash when you need it at over 40,000 ATMs without surcharge fees.2
Direct deposit
Skip the wait and have your paycheck deposited directly into your account with direct deposit.
Overdraft protection options
Avoid overdraft fees and unexpected declines with our flexible overdraft protection options.
Mobile banking app
Manage your money anytime, anywhere with our free mobile banking app.
Online bill bay
Pay bills and send money on your time in Think Online.
Mobile deposit
Easily deposit checks with our secure mobile app.
Electronic documents
Reduce paper clutter and go green with free eStatements and eNotices.
Account aggregation
See all your accounts in one place and gain valuable insights into your finances with our free online money management tool, Insights.
3 more great reasons to choose us:
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.
Ready to simplify your banking?
Oh, and if you open an account today you'll also receive a FREE Martha Stewart Frying Pan!3
1Bonus Offer/Account information: Offer available to first-time checking customers age 18+. 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 December 30, 2024. 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.
2Think 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.
3Gift provided at account opening. Minimum opening deposit is $50. 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 reported on a 1099-INT. Member FDIC.