Think Bank
Quick Summary
- HSA savings account
The Verdict
Think Bank provides essential HSA features with zero monthly maintenance fees and basic savings functionality, earning a 0/5.0 rating from HSA Orbit.
People and money. For most of us, it’s a complicated relationship.
We’re here to uncomplicate it – to help people create simpler, more meaningful relationships with their money, so that they can get where they want to go.
We do that by getting to know our customers (really know them!) and their unique situations, asking honest questions, and offering advice in plain human speak. Whatever keeps people up at night - the real, impactful things in life - are what we want to help with.
With industry-high customer satisfaction and employee engagement ratings every year, we’re known for our culture of caring, curiosity, and optimism. As a mutual bank owned by our customers, our sole focus is serving them. And our team never (ever) makes a commission, an approach that means customers can always trust that what we’re recommending is truly best for them.
Money pulls the strings of our hopes and dreams – the big-picture stuff that’s most significant in life. We get that – and we’re honored to be a part of it. So let’s sit down, get to know each other, and chat about what you want your money to do.
Meet your money at Think Bank!
Key Features
Banking & Access
Includes online banking.
Investment Options
This provider focuses on cash savings without investment options.
Security & Insurance
Deposits are FDIC/NCUA insured for your protection.
Account Details
No minimum balance to open. no account opening fees.
Fee Analysis
| Fee Type | This Provider | Industry Average | Verdict |
|---|---|---|---|
| Monthly Maintenance | $0.00 | $0.69 | EXCELLENT |
| Account Opening | $0.00 | $1.88 | EXCELLENT |
| Account Closing | $0.00 | $1.95 | EXCELLENT |
Industry averages calculated from 853 providers in the HSA Orbit database.
Investment Options
Savings-Only Account
Think Bank currently offers a savings-focused HSA without investment options. Your funds earn interest in a cash account.
Interest Rates
Standard Rates
| Balance Range | APY |
|---|---|
| $0 - $5,000 | 0.01% |
| $5,000 - $20,000 | 1.45% |
| $20,000 - $50,000 | 1.60% |
| $50,000 - $100,000 | 1.80% |
| $100,000 - $5,000,000 | 2.00% |
Last updated: 04-25-2025
Contact Information
Address
5201 Members Pkwy NW Rochester, MN 55901 Customer Service Mailing Address Think Attn: General Inquiries P.O. Box 5949 Rochester, MN 55903-5949
Customer Service
1-800-288-3425
5201 Members Pkwy NW Rochester, MN 55901 Customer Service Mailing Address Think Attn: General Inquiries P.O. Box 5949 Rochester, MN 55903-5949
At a Glance
Pros & Cons
The Good
- •No monthly maintenance fees
- •No account opening or closing fees
- •FDIC/NCUA insured deposits
The Bad
- •No investment options available
- •No debit card included
User Sentiment
Based on community feedback
Sentiment data coming soon
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