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Thomasville National Bank Review

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Thomasville National Bank Savings
0.40% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Founded in 1995, Thomasville National Bank has $805 million in assets along with $698 million in deposits, making the institution a medium-size bank. Thomasville National Bank, whose headquarters are in Thomasville, Georgia, lacks premium access to support representatives, with no live chat or all-day service options available. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. Coming in at a superb 4.7 stars out of 5, Thomasville National Bank proves it is among the best banks, and should be given strong consideration. Thomasville National Bank has a full suite of product offerings, including savings accounts, checking accounts, money market accounts, CDs, IRAs, brokerage accounts and mortgage products. It has a fair savings rate; you can find higher rates with other banks. If you're interested in stress-free personal checking, the bank's standard checking account does not have a monthly charge. Finding a checking account with no monthly fee and a savings account with a high APY at the same bank is your best bet for getting the most income from your deposits alongside easy access to your money.

How We Rated It

SmartAsset's Overall Rating

4.7/5
National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more

Rates

4.6
SmartAsset Average: 3.5

Thomasville National Bank features a savings rate of 0.40%, which is fair compared to the average U.S. bank. Thomasville National Bank's one-year and five-year term lengths CDs earn at a rate of 2.02% and 3.03%, respectively, while its highest-yielding money market account earns at an APY of 1.16%. Given Thomasville National Bank's poor savings rate, you should consider taking a look at other banks for savings accounts.

How Thomasville National Bank's Savings Rates Compare

Thomasville National Bank Savings 0.40 National Average 0.26 Compare Offers
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Fees

5.0
SmartAsset Average: 4.4

Thomasville National Bank charges its customers extremely low fees in comparison to the national average. Thomasville National Bank's checking account has no monthly fee, making it excellent for anyone looking for a simple account. Thomasville National Bank doesn't reimburse out-of-network ATM fees, meaning you will have to locate a Thomasville National Bank ATM or pay the withdrawal fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

4.1
SmartAsset Average: 3.7

Thomasville National Bank is a brick-and-mortar bank, with three total branches in Georgia. It also offers access to mobile and web apps for an easy mobile-banking experience. Thomasville National Bank's online and mobile banking services get relatively decent scores from customers. The Thomasville National Bank mobile app has been given a 4.2 out of 5 (with 17 reviews on iOS and Android) compared to the national average of 3.8. You can use Thomasville National Bank's app to control your bank accounts by looking at monthly statements, transferring money and reaching support representatives. Thomasville National Bank gets a superb consumer satisfaction score based on relatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 4.2/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

4.9
SmartAsset Average: 4.8

Thomasville National Bank ranks as a medium-size bank and manages assets totaling $805 million as well as $698 million in deposits. Its Texas Ratio is 2.51%, denoting a negligible chance of failure. Additionally, Thomasville National Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Thomasville National Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.4% APY $100
Checking Account 0.35% APY $750
Certificates of Deposit
  • 12 Month: 2.02% APY
  • 24 Month: 2.27% APY
  • 36 Month: 2.52% APY
  • 48 Month: 2.78% APY
  • 60 Month: 3.03% APY
$500 for all terms
Money Market Accounts 1.16% APY 1.16% APY $10000 $15000

Thomasville National Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Thomasville National Bank does not have the best savings rate, which means you should think about looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Thomasville National Bank's CD rates are fair in comparison to the average U.S. bank.

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Find a Thomasville National Bank Near Me

Thomasville National Bank has three locations across the U.S.

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