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Checking Accounts

We've kept things simple with two options that will serve all of your needs, including free features so you keep more of your money in your account.

Check out the chart below to compare features of the two accounts.

Open an Account | Check Rates

Features Thrivent Rewards1 Simply
FREE withdrawals at any ATM (including reimbursement of owner fees) Unlimited 4 free2
FREE debit card3 Yes Yes
FREE online banking Yes Yes
FREE online bill-pay Unlimited Unlimited
FREE person-to-person payments4 Unlimited Unlimited
FREE mobile banking Yes Yes
FREE mobile check deposit service Unlimited Unlimited
FREE text banking5 Unlimited Unlimited
FREE automatic transfers between accounts Unlimited Unlimited
FREE unlimited check-writing Yes Yes
Personal checks Member's expense Member's expense
Dividends No minimum balance to earn N/A
Overdraft protection No transfer fee No transfer fee from line of credit account6
FREE eStatements Yes Yes
Minimum balance requirement None $1007

1 To open and maintain, you must establish direct deposit into any share/share draft account or have activity of five bill pays and 10 point of sale purchases settled in a one month period. If direct deposit or activity is not maintained, the account will be transferred to a Simply Checking account after a three-month period.

2 Four free per statement cycle; $1 each thereafter. Subject to ATM owner fees after four per cycle. Unlimited free ATM withdrawals at any Thrivent Federal Credit Union terminal.

3 Unlimited point of sale purchases. Card replacement fee of $5, unless due to fraud or compromised account.

4 Free for three-day transfer. Next-day transfer fee is $1.50.

5 Requires your phone to be eligible to receive text messages. There may be charges associated with usage on your phone.

6 Transfer fee of $7 from a deposit account; transfers in $100 increments.

7 For account holders 24 years of age or older, a minimum daily balance of $100 is required to avoid a monthly $8.95 fee. Fee will not be charged for account holders under the age of 24.