Think Mutual Bank

Headquarters: Rochester, Minnesota
Charter: Bank
Assets: $2.2B
Fed district: Minneapolis

19 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 9, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Preferred Interest Checking
Can be waived with a balance of $1,500 or more.
Think Mutual Bank: $6
Think Mutual Bank: $6
U.S. median: no median
Overdraft (OD)
Think Mutual Bank: $22
Think Mutual Bank: $22
U.S. median: no median
NSF / Returned Item
Think Mutual Bank: $22
Think Mutual Bank: $22
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Think Mutual Bank’s own schedules, with a source for each figure.

Account Maintenance

Preferred Interest Checking Monthly service fee$6
per month
Dormant Account Monthly Service Charge$5
per month
Returned Mail Fee$10

Overdraft & NSF

Overdraft (OD) (audience not stated, treated as personal)$22
Overdraft Fee$22
per item
Nonsufficient Funds Fee$22
per item
Sustained Overdraft Charge$5

ATM & Card

Transactions at non-Think ATMs then$1
per item
Debit Card Replacement Fee$5

Wire Transfers

Wire Transfer Fee – Domestic$25
Wire Transfer Fee – International$75
Wire Transfer Fee – International$25

Check Services

Cashier's CheckNo charge
Money Order$1.75
Stop Payment Charge$27
Temporary Checks – Set of 10$2
Collection Item/Foreign Check$10

Digital & Electronic

Same Day ACH Origination Fee$5

Cash & Deposit

Chargeback Fee$5

Other Fees

Overnight Mail Handling Fee$20
Statement Copy$2

Fee	Amount	Basis	Note
Account Maintenance
Preferred Interest Checking Monthly service fee	$6	per month	None
Dormant Account Monthly Service Charge	$5	per month	None
Returned Mail Fee	$10	Not stated	None
Overdraft & NSF
Overdraft (OD) (audience not stated, treated as personal)	$22	Not stated	None
Overdraft Fee	$22	per item	None
Nonsufficient Funds Fee	$22	per item	None
Sustained Overdraft Charge	$5	Not stated	None
ATM & Card
Transactions at non-Think ATMs then	$1	per item	None
Debit Card Replacement Fee	$5	Not stated	None
Wire Transfers
Wire Transfer Fee – Domestic	$25	Not stated	None
Wire Transfer Fee – International	$75	Not stated	None
Wire Transfer Fee – International	$25	Not stated	None
Check Services
Cashier's Check	No charge	Not stated	None
Money Order	$1.75	Not stated	None
Stop Payment Charge	$27	Not stated	None
Temporary Checks – Set of 10	$2	Not stated	None
Collection Item/Foreign Check	$10	Not stated	None
Digital & Electronic
Same Day ACH Origination Fee	$5	Not stated	None
Cash & Deposit
Chargeback Fee	$5	Not stated	None
Other Fees
Overnight Mail Handling Fee	$20	Not stated	None
Statement Copy	$2	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 9, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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