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. 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.   
Make the switch today! Download our Switch Kit.
 
*Additional terms and conditions may apply.

Important Information you should know before opening an account.

Click to View Savings and Checking Account Interest Rates

Rates are posted for your convenience. They are subject to change without notice. To verify rates, please contact the bank. Please see your local office for rate specials.

Account Interest Rate
Personal Savings Account 0.05% APY
Christmas/Vacation Club Savings Account 0.05% APY
Secure Checking Plus Accounts 0.02% APY
Tiered Money Market Account
0 - $5,000.00
0.05% APY
Tiered Money Market Account
$5,000.01 - $25,000.00
0.07% APY
Tiered Money Market Account
$25,000.01 - $50,000.00
0.12% APY
Tiered Money Market Account
$50,000.01 - $75,000.00
0.30% APY
Tiered Money Market Account
$75,000.01 and up
1.00% APY

Annual Percentage Yields effective September 21, 2026, and subject to change thereafter.

Fees May Reduce Earnings.

Use Thumb Bank & Trust's Financial Calculators to calculate payments and savings goals.

Secure
Checking

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

Senior
Secure Checking

Practical account designed for customers 55 and over.

Secure
Checking Plus

Interest bearing checking to maintain a specific balance.

E-Checking

Economical and convenient free checking.