Thumb National Bank and Trust Company

Personal Checking Accounts

For generations Thumb National Bank & Trust Company 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.

Features of Our Personal Checking Accounts:

  • No per check or deposit charge
  • Itemized monthly statement
  • Check images included with statement
  • No annual fee on ATM/Debit Card
  • Automatic Transfer – any amount may be transferred to and from your Thumb National checking account
  • Overdraft Protection – if ever your checking account is overdrawn we will automatically transfer funds to your checking account from your Thumb National savings account or personal credit line
  • Mobile and Online Banking – keep in touch with your money any time, any where 24-hours a day

Important Information you should know before opening an account.

Types of Checking Accounts

Secure Checking

  • $50 opening deposit
  • IDProtect® Coverage
  • Free Mini Check Pack
  • Students (age16-22) receive one free picture debit card and no ATM fees charged by Thumb National Bank

All for a low monthly service fee of just $5.95. If you would like to receive paper statements, the monthly service fee would be $7.95.

Secure Senior Checking Practical account designed for customers 55 and over.

  • $50 opening deposit
  • IDProtect® Coverage
  • Free safety paper wallet checks or half-off duplicates
  • $5 off domestic wires
  • E-statements or paper statements available

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

Secure Checking Plus Interest bearing checking designed for customers who are willing to maintain a specific balance for extra perks.

  • $50 opening deposit
  • IDProtect® Coverage
  • Interest Bearing Account
  • Free first box of safety paper wallet checks or half-off duplicates
  • Free first year of safe deposit box rental
  • $5 off domestic wires
  • E-statements of paper statements available
  • $10 monthly maintenance fee if minimum balance of $1,000 is not maintained

All for a monthly service fee of just $5.95.

FREE with E-checking Economical and convenient free checking with no minimum balance and no monthly service fee.

  • $50 opening deposit
  • Unlimited debit card usage
  • Free text or email alerts
  • E-statements required or $2 paper statement fee


Personal Bankers

Heather Drabek (Bad Axe)

Patti Reinhardt (Pigeon)

Matt Gotham (Bay City Wilder)

Nina Suchy (Bay City Wilder)

Molly Rauschert (Bay City Center)

Leah Sangster (Cass City)

Deb Dressler (Cass City)

Adrienne Sting (Caseville)

Patrice Thede (Caseville)