Intelligent banking* for specialty growers.
For fruit, vegetable, nut, and potato growers:
High-yield checking up to 2.5%** Fast credit up to $150,000***
Real-time cost signals Supplier savings of $30,000+
*Thombar is a financial technology company, not a bank. Banking services provided by i3 Bank, Member FDIC.
The more you deposit, the more you unlock.
Open your account with $0
Get instant access to banking, credit, market data, and credit features the moment you open your account.
Deposit $5K
$30,000+ in annual supplier savings through exclusive perks with Wilbur-Ellis, Seso, Farmblox, and more. Keep the balance, keep the perks.
Deposit $50K+
$50K–$249K → 1.875% APY $250K+ → 2.5% APY
Your idle cash is costing you money.
The cash sitting between your harvest payment and next season's inputs is probably earning almost nothing right now. Thombar changes that.
No minimums. Use it alongside your existing bank.
Balances under $50K earn 1.00% · $50K–$249K earn 1.875% · $250K+ earn 2.5%
Ag credit that doesn't make you wait
Specialty ag credit has always been slow and relationship-gated. Thombar changes that. Fast access for seasonal gaps and secured financing for bigger needs, all without leaving your truck or desk.
Quick Access
Up to $150,000
- Find out in minutes
- Revolving credit line. Draw and repay as many times as you need
- Approval based on seasonal cash flow
Subject to credit approval. Provided by our lending partners.
Larger Loan
$1,000,000+
- Secured financing for larger capital needs
- Typically funded within a week
- Work directly with our team
Subject to credit approval and collateral requirements.
Know what's moving before it hits your margins
Thombar Signals gives you live visibility into the pricing and costs that shape your season, from USDA shipping point prices to market diesel, fertilizer, and packaging prices, updated continuously and built into your account. You're getting the information serious operations pay a lot of money to track, without the overhead.
We're building the financial picture specialty growers have never had.
Your cost reduction engine
Thombar has negotiated over $30,000 in annual savings through exclusive discounts with suppliers, equipment providers, and service partners you already work with.
More coming soon
Complete banking suite
Everything you need to manage your specialty crop operation, all in one place. To see our complete list of features, click here.
Physical and digital debit cards
Spend anywhere Visa is accepted, with physical and virtual cards for your whole team.
No fees at 55,000+ ATMs
Withdraw or deposit cash for free**** at over 55,000 ATMs
Bill pay
Upload an invoice as a PDF or image, review, and pay directly from your Thombar account
ACH/Wires
Free 1-3 day ACH, $10 domestic wires
Checks
Mobile check deposits and mail physical checks direct from your online account
Accounting integration
Sync transactions directly to and from QuickBooks
Why Thombar?
Named after Thomas Barbour Lathrop, the financier who reshaped US agriculture by funding the introduction of thousands of new specialty crop varieties.
Thombar carries his spirit forward, using modern finance to unlock resilience and innovation for American specialty growers today.
Who is Thombar for
- Fruit and orchard farms
- Vegetable and melon farms
- Potato farms
- Nut and tree crop farms
- Mixed specialty crop farms
$3M FDIC Insured
Your deposits qualify for up to $3MM in insurance coverage through our deposit sweep program.
SOC 2 Compliant
We maintain the highest standards of data security with regular third-party audits.
Continuous Security Audits
Ongoing penetration testing and security assessments by leading cybersecurity firms.
Open your account in minutes.
Banking, credit, market signals, and supplier savings — everything your operation's finances need, in one place.
Backed by i3 Bank, Member FDIC. No minimums. No commitment.
Get Started