our story

We believe the future of banking is digital, connected, contextual, and customer-first. We’re building a financial ecosystem of simplified banking solutions that weave seamlessly into your business and your life.

who we are

Thread Bank is a fast-growing financial technology enabled community bank. Our mission is to deliver the unparalleled value of a community bank directly to individuals and businesses, embracing intuitive technology to meet our customers where they are.

our history

  • our history

  • it all starts with

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    Our digital-first solutions combine best-in-class technology with a streamlined customer experience to reduce the time, effort, and mental energy of everyday business and personal banking.

  • we’ve funded
    innovators since 1906

    Thread Bank was founded in Eastern Tennessee, which was a major launching point for Revolutionary War heroes heading West to claim their American dreams. That same pioneering spirit is driving the seasoned banking and fintech investors and executives who recapitalized the bank in May 2021 to help today’s business visionaries and dreamers succeed.

  • our next offering
    empowers your growth

    We built the framework for you to extend our simplified banking to your customers via an easy-to-implement, easy-to-sell, embedded banking solution.

  • the future vision is a
    connected, compliant, ecosystem

    Through meticulously selected partnerships, we will utilize our technology platform and charter to empower other banks, credit unions, and fintechs to integrate financial solutions into their customer experience, without the hassle of building them.

senior leadership team

Chris Black

Chief Executive Officer, President and Director

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John Bearden

Chief Banking Officer

Mike Farrell

Chief Financial Officer

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Clif Howard

Chief Accounting Officer

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Kelly Caltabiano

Chief Compliance Officer, Senior Risk Officer

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Paul Gallagher

Chief Operating Officer

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Terry Hoover

Chief Risk Officer

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Shepley Smith

Chief Product Officer

board of directors

Joe Maxwell

Chairman

Sarah Biller

Director

Gene Dibble

Director

John Philpott

Director

Bud Watts

Director

Kirk Wycoff

Director

ready to get started?

thread makes banking simple by implementing its services directly to businesses and individuals.

connect with us

DISCLOSURES

California Consumer Privacy Act Notice

Thread Consumer Accounts Rate Sheet

Thread Sweep Program:

IntraFi Sweep Program for Unit Fintech Partnerships
Through the IntraFi Thread Deposit Sweep Program, available deposits will be “swept” (moved) into deposit accounts at one or more of our Program Banks. Cash deposits made to Program Banks are covered by Federal Deposit Insurance Corporation (“FDIC”) Insurance up to a minimum of $3,000,000 inclusive of deposits you may already hold at the bank in the same ownership capacity. Note: Thread Bank is not responsible for monitoring the amount of deposits in any Program Bank. For more information about the program, see the Thread Sweep Disclosure.

Note: If you have questions about which sweep program is applicable to your deposits with Thread Bank, please contact us at: customerservice@thread.bank.