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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


Thomasville National Bank first started operating in 1995 with its headquarters in Thomasville, Georgia. It handles assets of $805 million as well as $698 million in deposits, classifying it as a medium-size bank. Thomasville National Bank lacks premium access to customer service, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. With a superb 4.7 out of 5 stars, Thomasville National Bank proves it is among the best banks, and should be given serious consideration. Thomasville National Bank has the complete package of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, brokerage accounts and mortgage products. It has a fair savings rate; other popular banks have higher rates. If you're interested in stress-free personal checking, the bank's most basic checking account does not carry a monthly fee. Using an institution with no-fee checking as well as a high savings APY is the best option for accruing the most income on your deposits while having easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

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


SmartAsset Average: 3.5

Thomasville National Bank has a savings rate of 0.40%, which is fair in comparison to the national average. Its one-year CD has a rate of 2.02% and the five-year CD earns at a rate of 3.03%, while its highest-yielding money market account has a rate of 1.16%. Given its below average savings rate, you should think about choosing another bank to earn more on your deposits.

How Thomasville National Bank's Savings Rates Compare

Thomasville National Bank Savings 0.40 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Thomasville National Bank has typically extremely low fees compared to the national average. Its checking account has no monthly fee, which makes it excellent for anyone looking for a hassle-free account. Thomasville National Bank doesn't refund out-of-network ATM fees, which means you'll need to search for a Thomasville National Bank ATM or eat the ATM charge.

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

SmartAsset Average: 3.7

Thomasville National Bank is a brick-and-mortar bank, with three total bank locations 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 positive ratings from users. The Thomasville National Bank mobile app is rated at 4.2 out of 5 (out of 17 ratings on Apple and Android) compared to the national average of 3.8. Thomasville National Bank's mobile app lets you control your bank accounts by monitoring current statements, sending and receiving money and accessing customer service. Thomasville National Bank gets an outstanding consumer satisfaction score based on relatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

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

SmartAsset Average: 4.8

Thomasville National Bank is currently a medium-size bank with assets totaling $805 million and $698 million in deposits. Thomasville National Bank's Texas Ratio is 2.51%, signifying 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 Account 1.16% APY $1

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 other options 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 as compared against the national average.

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Find a Thomasville National Bank Near Me

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

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