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 we’ll reimburse up to $10 each statement period of fees charged by ATM owner for Thrivent Checking.
Plus we’ll reimburse up to $10 each statement period of fees charged by ATM owner for Thrivent Checking.
Incoming wire transfer fee
$0
Stop payment fee
$0 when set up in mobile app or online
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
Stop payment fee
$30 when requested over the phone
Inactivity fee2
$5 charged if your Thrivent Checking, or Thrivent Savings account isn’t used for 12 months.
Fees last updated January 8, 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.