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FDIC-Insured FDIC-Insured - Backed by the full faith and credit of the U.S. Government.

Fees

No surprises. No hidden fees. Just service pricing that makes sense.

Personal deposits

No fees on everyday banking.

Monthly account fees$0
Minimum balance fee$0
Overdraft fee$0
ATM use fee1$0
Plus unlimited ATM owner fee reimbursements
Incoming wire transfer fee$0
Stop payment fee$0
Returned deposited item fee$0
Replacement debit card$0

Fees we do charge? Short list, no surprises.

Outgoing domestic wire transfer fee$30
Outgoing international wire transfer fee$50
Inactivity fee2$5 charged if your Thrivent Money3, Thrivent Checking, or Thrivent Savings account isn’t used for 12 months.

Fees last updated September 3, 2026 and are current as of today’s date.


1 Automatic ATM fee reimbursement applies to domestic ATM transactions. International ATM transactions may require the submission of your receipt for reimbursement of the ATM fee if combined with other fees. International ATM transactions are subject to an international surcharge applied by Visa that is not reimbursable by Thrivent Bank.

2 After 12 months of account inactivity, an inactive account fee of $5 per month will be deducted from your account. The fee will not overdraw your account, and you will not receive a bill.

3 The Thrivent Money account includes Thrivent Money Spend and Savings Pockets. This page outlines applicable fees for Thrivent Money Spend only; no fees apply to Savings Pockets.

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Leaving Thrivent Bank

You are now leaving the website of Thrivent Bank. Insurance, securities, investment advisory and trust and investment management accounts and services offered by Thrivent, the marketing name for Thrivent Financial for Lutherans, or its affiliates are not deposits or obligations of Thrivent Bank, are not guaranteed by Thrivent Bank, are not insured by the FDIC, and involve investment risk, including possible loss of the principal amount invested.

Any data or personal information collected by websites other than Thrivent Bank is not covered by Thrivent Bank’s privacy policy. We recommend you read the privacy policies of those sites as they may be different from Thrivent Bank’s policy.

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