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Complete List of Features

Standard Banking* Features

ACH Transfers

Send or receive ACH payments — free, standard processing time (1–3 days)

Same-Day ACH

Faster ACH transfers that settle on the same day for $1

Mobile Check Deposit

Deposit checks from your phone using the banking dashboard or app

Domestic Wire Transfers

Send funds via wire to U.S. bank accounts for $10 — typically same-day delivery

ATM Withdrawals & Deposits

Withdraw or deposit cash for free**** at over 55,000 ATMs

External Bank Linking

Link and transfer money between this account and your existing external bank accounts

Physical Debit Cards

Issue branded physical cards for the business owner or team

Bill pay

Pay invoices to vendors via ACH, check, wire, or other supported methods — all from your dashboard

Accounting Integration

Sync transactions directly into your accounting software (e.g., QuickBooks) for easier bookkeeping

In-App Support Chat

Dedicated support chat inside the banking experience

Email Support

Access support via email

Sub-Accounts / Buckets

Create multiple internal accounts to separate funds (e.g., taxes, payroll, savings). Balance in all accounts will earn the same interest

Check Issuance

Mail physical checks to vendors or payees directly from your account

What Makes Us Different

1–2.75% Annual Percentage Yield on Deposits

Earn APY on your entire balance without needing a separate savings account. No need to actively manage money by moving idle cash to yield-earning accounts

Traditional banks typically offer no interest on deposits in business checking, and very low interest on business savings (with restrictions like minimum balance or monthly fees)

Grower perks

Exclusive discounts at ag retailers and service providers with an annual estimated savings of over $30,000

First-of-its-kind program

FDIC Insurance up to $3M

Your deposits are insured up to $3 million through partner banks

Typically $250K per end user at traditional banks.

Virtual Debit Cards

Instantly issue virtual cards for online purchases or employee/partner usage (as authorized users)

Not typically offered by traditional banks to small businesses.

Multi-User Access & Controls

Add team members as authorized users

Not typically offered by traditional banks to small businesses

Coming Soon

Instant Payouts

Instantly push funds to cards or external accounts for faster access to money

Loans

Apply for input, equipment and real estate loans directly through the platform

Thombar

Banking built for specialty crop growers.
Earn more, save more, grow more.

Products

  • Checking Accounts
  • Debit Cards
  • Line of Credit
  • ACH/Wires/Checks

Company

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Legal

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  • Account Agreements

Have questions? Reach us at help@thombar.ag

© 2026 Crop Guard, Inc. (dba "Thombar"). All rights reserved.

FDIC insured up to $3M through partner banks.

*Thombar is a financial technology company and is not a bank. Banking services are provided by i3 Bank, Member FDIC. The Thombar Visa Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.

Accounts are eligible for pass-through deposit insurance only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. Deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the i3 Bank deposit sweep program. There may be a risk that pass-through deposit insurance is not available because conditions have not been satisfied. In such cases, funds may not be fully insured in the event the insured depository institution where the funds have been deposited were to fail.

**Annual Percentage Yield (APY) is variable and subject to change after account opening. Rate is compounded monthly and credited monthly. Total balances less than $50,000 earn up to 1.00% APY. Total balances between $50,000 and $249,999 earn up to 1.875%. Total balances of $250,000 or more earn up to 2.5% APY.

***Lines of credit are provided by Fundbox. Fundbox makes capital available to businesses through business loans and lines of credit originated by First Electronic Bank or Lead Bank. California businesses: Fundbox makes business loans and lines of credit loans pursuant to California Financing Law license 60DBO-48774. All financing is subject to credit approval of a completed application. Fundbox and its bank partners base loan eligibility on their respective credit and risk policies, applicable legal requirements, and other business considerations. Financing may not be available in all states and may be subject to local restrictions where applicable.

****No account or domestic transaction fees. Some foreign transaction fees may apply in limited circumstances.