Bask Bank Review 2025
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Edited by
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At a glance
Overview
The digital subsidiary of Texas Capital Bank, Bask Bank is best for customers comfortable solely banking online, and those looking to store their cash in a savings account or certificate of deposit (CD) that earns a high yield. And with the recent addition of a checking account with a stellar yield, Bask Bank is now a good option if you’re looking to consolidate your finances under one roof.
Highlights:
High APY Top CD RatesHighlights:
CDs
Checking
Savings
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.6/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Overall
Without monthly fees or minimum balance requirements, Bask Bank offers a highly accessible checking and savings account, both of which earn high yields. The online bank also offers a good range of CDs, with a mix of short and long terms suitable for creating a CD ladder.
Pros
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Bask Bank pays a competitive yield on its Interest Savings and Interest Checking accounts.
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Yields on CDs are also competitive.
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Bask Bank charges few fees.
Cons
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Bask Bank doesn’t offer a money market account.
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Your CD may be closed if you don’t fund it within 10 business days, or if you don’t deposit money into a Bask savings account within 15 business days.
Bask Bank products
Bask Bank Interest Savings Account
Pros
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Bask Bank’s Interest Savings Account offers a competitive yield.
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There are no monthly account fees.
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There is no minimum balance requirement.
Cons
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Your account may be closed if not funded within 15 days.
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There are online transfer limits, which vary depending on your banking relationship and account activity at Bask Bank.
Rate history for Bask Bank's Savings account
See how rates for this account have changed over time. Interact with the trend lines to view APY by date.
Bask Bank CD
Pros
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Bask Bank offers competitive yields on all of its CDs.
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Bask Bank’s minimum opening deposit is the same as or lower than some banks.
Cons
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Bask Bank doesn’t offer terms longer than two years.
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Bask Bank doesn’t offer any specialty CDs, such as a no-penalty CD.
Rate history for Bask Bank's CD accounts
See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.
Bask Bank Interest Checking Account
Pros
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Bask Bank’s Interest Checking account earns a top-notch yield for a checking account.
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There are no monthly account fees.
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Customers get a debit card and access to more than 55,000 ATMs through the Allpoint network.
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Several promotions are available, including additional interest if you complete certain qualifying activities.
Cons
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Accounts may be closed if not funded within 90 days.
How Bask Bank compares to other banks
Compare different account types offered by Bask Bank. Annual percentage yields (APYs) shown were updated between Nov. 14, 2024 and Nov. 20, 2024.
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Selected bank
Bask Bank savings account
Bankrate score
5.0
Bankrate Savings rating = 5.0/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. |
Most comparable
Citizens Bank savings account
Bankrate score
N/A
Bankrate Savings rating = 0.0/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. |
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Bankrate score
Bankrate Savings rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. |
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APY
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between June 11, 2025 and June 17, 2025.
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| 4.20% | N/A | |
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Minimum balance for APY
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| $0.00 | N/A | |
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Estimated earnings
Interest earned calculation based on a $50,000 deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
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| $2,100 | N/A | |
| Bask Bank’s Interest Savings Account earns a highly competitive APY, with no minimum balance requirement or monthly fees. The bank also offers a Mileage Savings Account, which allows you to earn American Airlines miles as rewards, based on your monthly balance. | Citizens Bank offers three savings accounts. The base account, scored for this section, is the One Deposit Savings account, which can be opened without a deposit, though you can avoid the $4.99 monthly maintenance fee by making one deposit every month. For customers under age 25 or 65 and older, the account is free of a monthly fee. The One Deposit Savings account offers a rock-bottom APY; you can easily find higher yields elsewhere. Those looking for higher rates may wish to consider an online bank, like Citizens Access, the online-only division of Citizens Bank. See more details about Citizens Bank savings account offerings. | |
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N/A
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APY offering:
4.20%
5/5
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.
Minimum balance for APY:
$0.00
5/5
The lowest deposit amount an account must have before it can earn interest.
Monthly service fee:
$0.00
5/5
A monthly charge a financial institution deducts from an account if certain requirements are not met.
Minimum balance to avoid fee:
$0.00
5/5
The lowest balance an account must maintain in order to avoid a fee.
Access to funds:
Great
5/5
A procedure that allows an individual or organization to access and manage the funds of another account holder.
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Bankrate does not currently track additional product details for this bank.
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APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.
The lowest deposit amount an account must have before it can earn interest.
A monthly charge a financial institution deducts from an account if certain requirements are not met.
The lowest balance an account must maintain in order to avoid a fee.
A procedure that allows an individual or organization to access and manage the funds of another account holder.
Bankrate does not currently track additional product details for this bank.
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Bank fees
| Fee | Charged? | |
|---|---|---|
| Overdraft fee | None | |
| Non-sufficient funds fee | None | |
| Monthly maintenance fee | None | |
| Out-of-network ATM fee | None | |
| Excessive transaction fee | None |
Customer experience
Customer support
Customer service. Bask Bank offers phone customer service hours six days a week: 7 a.m. to 7 p.m. Central time from Monday through Friday and 9 a.m. to 4 p.m. on Saturday.
Digital experience
Bask Bank’s mobile app scored highly both for iOS and Android. Upon logging into your account, you can view available balances for your accounts with Bask Bank as well as any interest earned to date.
The above images were last updated on Dec. 11, 2023.
Bankrate staff insight
“The reason I chose Bask Bank over others was that they had a highly competitive interest rate that has yielded way more than my traditional brick-and-mortar bank has offered in years,” said a Bankrate staff member with a Bask Bank account.
Disclosure: To enhance our product reviews, Bankrate employees often open accounts and provide feedback. They may have been compensated for their time and account maintenance, but this does not affect the integrity of their review.
We want to know what you think about Bask Bank
Do you have experience with Bask Bank? Let us know your thoughts.
Review methodology
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.
Bask Bank customer reviews
Bask Bank has 44 reviews
Dive into community reviews below and see what others think about Bask Bank.
In July 2024, Bankrate collaborated with a third-party vendor to survey 1,200 bank account holders nationwide. Bankrate and our vendor collected and summarized account holder responses to five rating questions on a 5-point scale as well as open-ended reviews of the banking experience. Responses are based on individual account holder product details, and therefore cannot be verified for accuracy. Reviewers received an incentive for their feedback. Their ratings are unedited and have not been reviewed or approved by the associated bank or credit union, nor do these responses reflect Bankrate's own expert review of these banking products.
