Think Mutual Bank

Think Bank always finds a way to work with me, get me an answer, or help me to find an answer, even if it doesn’t directly benefit them.
Think Bank has saved me so many times. Like the time I went to the airport and didn’t have enough room on my credit card for the flight to a job interview. They set up my accounts so that I could go.
I lived for years in California. Remote banking is so easy with them, even before online bill pay. From CDs, to retirement accounts, to money transfers, to loans, I have never been disappointed.
Brad Melsa has been an excellent financial advisor. Scott Is their small business specialist has been a good resource. Mary is my favorite teller!
Just love the «can-​do» friendly attitude I get from everyone I encounter at Think.
The best customer service!

Think has the BEST possible service! They will always get my business and the even better part is that they always have the most competitive loan rates. I’ve lived in the South with no direct access to their banks and yet time and time again they are the easiest to deal with compared to my down the street bank. I only wish they had mortgage options for my state, so i could do all my business with them.

I really felt like kicking off my weekend by writing a five-​star review, so after hanging up the telephone with Think… I came right here! It’s a review… long overdue. (Maybe 10 + years) Yes, I’ve done business with Think back before it was «Think» (late 90’s) but their service has always been exceptional and all their internal transitions… seamless to the customer. Excellent!
The most amazing thing: I’ve never set foot in this bank! It’s easy to blow off a customer when you work by phone/​net — that been my experience many-​a-​time with other service related businesses. But not Think!
I recommend them highly for everything from auto to home loans to savings & checking accounts. I most recently worked with Ryan M. in the home loan department and he exceeded my expectations, not only with his promptness in replying to my every phone call & e-​mail, but also with his ability to take my (many) questions and handle them with professionalism — not just tossing some half-​hearted answer my way, but actually finding out the answers when he didn’t know. (Believe me, I’m a challenging customer to handle on these types of things & Ryan was exceptional.)
I can actually tell you that Ryan as well as the other employees have gone a long way toward building up my faith that there actually are honest and reputable banks with professional and considerate employees out there! This is a well-​run, customer-​focused institution.
Plus…you can’t beat that accent! Minnie-​so-​ta

Think Bank is not so great. They re-​did their phone banking system and has made it harder to transfer money from accounts. Our family is across the country and it used to be so easy to transfer money among our accounts and not so much anymore. I went to Think Bank last week to withdrawal money and they said they gave me 5 extra dollars, they said it’s on tape and their fault but asked to take the money out of my account. Well, if it’s your mistake and it’s that low of an amount, really? Well, $ 5 is $ 5 and I’m going to verify the tape just because I can’t tell if they gave me the extra $ 5 or not. Sloppy banking!

I, too, have been with Think since they were the IBM Federal Credit Union. Over the years, I’ve had 2 mortgages, a car loan, a savings account and checking account with them and have never had an issue.
Though there aren’t a lot of locations, online banking is easy schmeezy as is phone banking if you prefer the old-​fashioned route.
And the customer service really is top notch. When my dad died I missed making my mortgage payment in all of the turmoil that goes along with losing a loved one. I stopped in to the bank to explain what had happened. Not only did they waive the late fee, but a few days later I received a sympathy card in the mail. Try getting that from Wells Fargo or US Bank.
In this day of anti-​banking sentiment, Think really stands out as an exception.

I can’t believe I haven’t reviewed Think yet. I’ve been with Think Bank since they were the IBM Credit Union — for nearly ten years. And I’m happy to say that unlike many of my friends and family, who have shared frustrations with their giant, impersonal banks (Wells Fargo and US Bank are two that are frequently mentioned) I always been happy at Think Bank. A few reasons:
(1) Extremely convenient online banking, complete with an online banking phone line that’s always staffed by real people who can help you if you can’t access your account or have other issues. (No circuitous robotic phone options, just people.)
(2) Phenomenal customer service. Every time I’ve needed help with my accounts, they’ve been prompt, incredibly friendly/​polite and helpful. I once had an emergency car repair while far from home that I couldn’t put on my credit card because my limit was too low. I called Think in a panic, and they temporarily raised my limit so I could get my car fixed and make it home. The tellers at my St. Paul location are so friendly and always greet me by name (and I’m only there about once a month!)
(3) Really low interest rates.
I can’t say enough good things about this bank. If you’re fed up with your bank, and you want a friendly, accessible, convenient experience, Think is wonderful. They don’t have many Twin Cities locations yet, but it’s well worth banking with Think, even if you don’t live near one of their locations.

Well, I suppose I should write a review to back up what Justin N. had to say. I was introduced to Think Credit Union, now Think Bank, through his work.
I have never had a problem with Think, they are so easy to work with and their interest rates are really low. I had an issue where somehow this insurance company said I signed a form to let them take my friends monthly payment from my account, confusing… but I told Think about it, they sent me paperwork to sign and no more paying for my douchebag friends insurance policy, sorry douchebag friend.
I think Justin N. pretty much covered everything else, Think rocks.

When I hear all my friends and family with bank woes I thank the lord and his unicorns that I have Think Mutual Bank. Just the other day my Mom was freaking out about the epic rip off that is Wells Fargo. Sorry Mom, I’d love to say I feel your pain but this doesn’t happen to me with Think.
Think used to be a credit union that my employer partnered with or I’d never have found them. They are completely based out of Minnesota, you’d think it’d be a hassle for me right?
Not a chance, it’s the opposite of a hassle, it’s simple. A few examples:
Free mail in deposit envelopes, postage paid. I get a check, drop it in the mail, posts in 2 days. Cost to me $ 0, and all I had to do was find a mail box.
My savings, checking, and credit card are all tied together, super convenient website. Need to move money around or make a credit payment, it’s like 3 clicks. So easy.
Did I mention that my Think credit card is about half the interest rate of other typically offered credit rates?
I freaked out in February when I put $ 1000 on my debit card by accident, it was supposed to be on credit… one easy phone call and it was all moved around.
They’re nice in their emails and phone calls, extremely friendly and helpful, and I don’t think they’ve ever NOT been able to help me.
Just yesterday I realized, why the hell haven’t I reviewed them yet? I had a rather detailed account question so I emailed it in. Within a single day I had an reply with all the facts I was looking for… One day. Most places I know take 48 hours to even reply and say «Yo, we got your inquiry» and then take a week after that. In my case from initial contact to resolution was all 24 hours. Amazing.
So every time I hear people complaining about having to deal with their bank I just say sorry, I can’t relate. It’s like a woman trying to explain to me how it feels to be pregnant, I ain’t gonna have no babies and I will not have any bank problems either. That’s exactly why I’ve been with Think for about 10 years now and I certainly intend to keep it that way.