Uncommon Account
The Uncommon Account is a truly free checking account designed for those starting out or starting over with their finances. For just a $10 minimum opening deposit and no minimum balance requirements, you get an account with no monthly maintenance fees and no overdraft or "insufficient funds" fees. Manage your money safely and sustainably with full access to digital tools like Zelle®, mobile deposit, and a Visa® debit card, all without the worry of hidden penalties.
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A Personal Checking Account With Uncommon Perks
The Uncommon Account is ideal for anyone who is just starting their banking journey or looking to start fresh. Overdraft history with another institution? No problem. We’re here to help you establish a strong financial foundation.
Uncommon Account Highlights
Easy to open and maintain: $10 minimum opening deposit, and no minimum balance requirement.
No fees: No monthly maintenance service fees1 and no overdraft or non-sufficient funds fees2.
Go green! Since this account doesn’t have check-writing ability, you can save some trees by going completely paperless with eStatements.
Bank with your mobile device: Use our Mobile Banking app with Mobile Check Deposit and make easy digital payments with Apple Pay®, Google Pay®, Samsung Pay®, and Zelle®.
Easy access: Get to your cash with our Visa® Debit Card and surcharge-free MoneyPass® ATMs nationwide.
Bank online on your time: Manage your account, view statements, and make transactions with our Online Banking with Bill Pay.
All of your finances, all in one place: View all of your accounts, track your spending, and manage your budget through iFiTM, available at no cost through Online and Mobile Banking.
View and monitor your credit score: Keep track of your credit score easily with Credit Sense, a free tool found in our Online and Mobile Banking.
Everything You Need to Know About Budgeting
With our budgeting tips and tricks, you could be on your way to becoming budget-savvy.
Frequently Asked Questions: Uncommon Account
Yes. There are no monthly maintenance fees and no overdraft or “insufficient funds” fees, allowing you to start over with peace of mind.
No. Because there are no overdraft fees, the Uncommon Account is a safer option for anyone working on building better spending habits.
No. The Uncommon Account is designed to be a safe "starter" or "re-starter" account. If a transaction exceeds your balance, we simply don't charge you a fee for it so you can build a financial foundation without the fear of mounting debt.
Yes, you have full access to mobile banking, Zelle®, a Visa® debit card, and credit monitoring through Credit Sense.
Yes! While we are your local community bank, your Uncommon Account Visa® Debit Card gives you access to ATMs everywhere. You can enjoy surcharge-free transactions at any Thomaston Savings Bank location and conveniently access your funds on-the-go across Connecticut and beyond.
Yes! You get full access to our top-rated Mobile Banking app, which includes Mobile Check Deposit, Zelle® for sending money to friends, and Digital Wallet integration (Apple Pay®, Google Pay®) for secure, card-less payments.
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Questions about the Uncommon Account? Fill out the form below to connect with us.
1 Other fees may apply, including a $2 monthly fee for mailed paper statements if you do not enroll in eStatements. Please read our Fee Schedule for details.
2 Although we will never charge an overdraft or non-sufficient funds fee, it is possible for the account to have a negative balance, for example, if a check you cash or deposit is returned unpaid.
