Personal Banking - Thumb Bank

Personal Checking Accounts

For generations Thumb Bank & Trust has been dedicated to building personalized banking relationships with our customers. Our checking accounts offer benefits that include the following: 

  • No per item fees
  • Detailed monthly statement
  • Mobile and Online Banking
  • Automatic Transfers – The bank offers automatic transfers between Thumb Bank & Trust accounts. An automatic transfer form must be signed, or you may set up an automatic transfer within your online access.
  • Overdraft Protection – This is a service that ensures your transactions are covered if you have insufficient funds in your checking account. The bank will automatically move funds you have available in another account linked to the overdrawn account.  An application is required.  A transfer fee may apply.
  • Demand Deposit Line of Credit* - Our demand deposit line of credit offers overdraft coverage for your Thumb Bank & Trust checking account.  This service has a one-time application fee and is subject to credit approval.   
*Additional terms and conditions may apply.

Important Information you should know before opening an account.


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

Secure Checking

Practical account designed for customers 55 and over.

Checking Plus

Interest bearing checking to maintain a specific balance.


Economical and convenient free checking.