Is Thrivent Money™ Account the right fit for you?
Last Updated: 10/06/2026
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Highlights
Welcome Offer
N/A(Verified 09/22/2026)
Rewards
N/A
APY (Annual Percentage Yield)
Starting at 0.01%(Verified 09/22/2026)
Disclaimer popup with additional information
Monthly Maintenance Fee
$0(Verified 09/22/2026)
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Thrivent Money™ Account Review
The Thrivent Money™ Account is offered by Thrivent Bank, a bank founded in 2025 and based in Salt Lake City, UT. Thrivent Bank is available in 50 states and Washington, DC.
Key Takeaways
- Savings Pockets™: Save for unlimited goals and track your progress easily with this integrated savings account. Use custom automations, dedicated buckets and round-ups to save for everything from vacation funds to daily expenses. Savings Pockets also earn interest.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Thrivent Money™ Account does not charge fees on ATM transactions.
- ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
Thrivent Bank Pros & Cons
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Thrivent Bank FAQ
Are checking accounts from Thrivent Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Thrivent Bank offer?
Thrivent Bank currently offers an APY starting at 0.01% (APY stands for annual percentage yield; rates may change).
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.01% |
What are the account minimums for Thrivent Bank?
Thrivent Bank does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Thrivent Bank charge?
The good news is that this account does not have a monthly service charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Thrivent Bank charge overdraft fees?
No, Thrivent Bank does not charge overdraft fees.What features and perks does Thrivent Bank offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees .
- Mobile banking services - Thrivent Bank allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
- Nationwide ATM network - This account allows you to conveniently transact at a nearby ATM.
Provider Disclosure: Available with Thrivent Money™. Money Mentor is powered by Money Canvas, a Thrivent program. Terms and conditions apply, visit thriventbank.com for more information. Thrivent Bank, Member FDIC.
Rates are current as of the date published. The annual percentage yield (APY) noted is variable and subject to change after the account is opened. Fees may reduce earnings on the account. https://thriventbank.com/rates/
No ATM usage fees are charged by Thrivent Bank. Thrivent Bank will reimburse fees charged by an ATM Owner. 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.
For current account fees, visit https://thriventbank.com/fees/.
View Thrivent Money™ Account's published terms & conditions
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
SundayClosedMonday7:00AM - 7:00PMTuesday7:00AM - 7:00PMWednesday7:00AM - 7:00PMThursday7:00AM - 7:00PMFriday7:00AM - 7:00PMSaturdayClosed
Other Services by Thrivent Bank
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
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