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


Molly Rauschert

Bay City

Deb Dressler

Cass City

Adrienne Sting


Patrice Thede