Think Bank


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!

HSA Program Features

FDIC or NCUA Insured:
Min Balance to Open:
  • Online Banking

HSA Interest Rates

Interest rates for various balance tiers
$0 - $4,999.99 0.01% APY
$5,000 - $19,999.99 0.10% APY
$20,000 - $49,999.99 0.15% APY
$50,000 - $99,999.99 0.15% APY
$100,000+ 0.20% APY
Last checked on: 04-04-2022. Rates may not be current, please check the provider's website for the latest rates.


Monthly Maintenance Fee Unknown
Account Opening Fee Unknown
Account Closing Fee Unknown

HSA Investment Options

Mutual Fund Platform: close   Self-Directed Brokerage: close   CDs: close   Other: close

Contact Information

General 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
Phone Number 1-800-288-3425