Here's $200 Bucks!

Open your first checking account and we'll drop and extra $200 into your account or donate it to your local Habitat for Humanity!
 

More cash and a better bank - lp

Get your $200 checking bonus in 3 easy steps!1

1
Open an eligible checking account with a minimum deposit of $50 by April 28, 2025.
 
2
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
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!

Answer three questions (or less) to find your perfect  checking account:

Every checking account includes the following for free: debit card, online banking, mobile wallet, mobile deposit, and online statements & notices

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

50+ Interest Checking

Available to accounts with at least one owner aged 50+, offering benefits tailored to their needs.
  • 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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Get convenient access to your cash when you need it at over 40,000 ATMs without surcharge fees.2
See all your accounts in one place and gain valuable insights into your finances with our free online money management tool, Insights.
Skip the wait and have your paycheck deposited directly into your account with direct deposit.
Reduce paper clutter and go green with free eStatements and eNotices.
Manage your money anytime, anywhere with our free mobile banking app.
Easily deposit checks with our secure mobile app.
Pay bills and send money on your time in Think Online.
Avoid overdraft fees and unexpected declines with our flexible overdraft protection options.
Shop with confidence. VISA® debit cards are accepted worldwide at millions of locations.











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 simply your banking?

 
Oh, and if you open an account today you'll also receive a free Sunrise Clock.3

Questions? 

Call us at 1-800-288-3425 or visit a branch office. No appointment needed. 

 
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 April 28, 2025. 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.