Banking* built for specialty crop growers
Earn more on your cash, offset rising input costs, and end the crop-cycle cash crunch
We'll notify you as we open new spots.
Thombar is a financial technology company, not a bank. Banking services provided by i3 Bank, Member FDIC (established 1928).
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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.
Built for the specialty crop season, not the banking season
Higher checking rates, lower financing friction, and tools built for the cash-flow realities of fruit, vegetable, and nut growers.
1% to 2.75% Annual Percentage Yield** on your checking
Turn idle cash into real interest income while maintaining your liquidity
$30,000+ in annual savings
Exclusive discounts with leading ag suppliers, equipment, and service providers to protect your margins every season
Access to up to $150K credit line (coming soon)****
Apply once online and, if approved, unlock ongoing access to working capital when you need it — no repeated paperwork, no branch visits
FDIC insured up to $3M
12x more protection than traditional banks
$0 annual fees
Benefit from our transparent pricing
What could up to 2.75% APY do for you?
See how much more you make with Thombar
Don't see your bank here? Add the bank name and your annual checking APY to compare
That's just your yield. Thombar members also save thousands each year through exclusive grower perks from inputs to software to in-field services
Based on available rates advertised online as of 11/4/2025
Your perks package
Over $30,000 in annual savings
As a Thombar member, you get exclusive access to discounts from the vendors and partners you already work with. From equipment to inputs, labor management to logistics—we've negotiated savings that add up to real money back in your operation. Learn more
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
High-yield checking designed for agricultural cash flow with no minimum balance requirements.
No fees at 55,000+ ATMs
Withdraw or deposit cash for free*** at over 55,000 ATMs
Multi-user access and controls
Add team members as authorized users
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
Thombar vs. a traditional bank account
See how Thombar stacks up against traditional banking options
Banking services provided by i3 Bank, Member FDIC
Thombar gives growers the power of a modern financial hub — high-yield checking, zero hidden fees, industry perks, and FDIC coverage up to $3M — all built around your specialty crop business
Security you can trust
Your operation depends on financial security. We protect your capital with the same rigor you protect your crops.
$3M FDIC Insured
Your deposits are protected up to $3 million through our partner banks, providing peace of mind for your agricultural capital.
SOC 2 Compliant
We maintain the highest standards of data security and privacy, with regular third-party audits to ensure your financial information stays protected.
Security Audits
Continuous penetration testing and security assessments by leading cybersecurity firms to safeguard your accounts and transactions.
Our mission
Protect the domestic food supply
American specialty crop growers feed our nation and the world, yet they face unprecedented financial challenges. Consolidation in agriculture has left small and mid-sized growers without banking partners who truly understand their unique needs.
Thombar exists to change that. We believe that financial innovation should serve the people who grow our food, not just extract value from them. By providing better rates, lower fees, and industry-specific tools, we're helping specialty crop growers build more resilient operations.
When growers thrive, our food supply becomes more secure, our rural communities grow stronger, and American agriculture remains competitive on the global stage. That's the future we're building—one grower, one account, one harvest at a time.