Personal Banking - Thumb Bank

Personal Checking Accounts

For generations Thumb Bank & Trust has been dedicated to building personalized banking relationships with our customers. We offer a wide range of checking options to fit your personal needs and lifestyle.

  • No per check or deposit charge
  • Itemized monthly statement
  • Automatic Transfers – any amount may be transferred to and from your Thumb Bank & Trust checking account
  • Overdraft Protection – if ever your checking account is overdrawn we will automatically transfer funds to your checking account from your Thumb Bank & Trust savings account or personal credit line
  • Mobile and Online Banking

Important Information you should know before opening an account.


All for a low monthly service fee of just $5.95.

Senior Checking

Practical account designed for customers 55 and over.

Checking Plus

Interest bearing checking to maintain a specific balance.

with E-Checking

Economical and convenient free checking.

Personal Bankers

Heather Drabek

Bad Axe

Patti Reinhardt


Nina Suchy

Bay City Wilder

Molly Rauschert

Bay City Center

Deb Dressler

Cass City

Adrienne Sting


Patrice Thede