TAB Bank Review 2026
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Edited by
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At a glance
Overview
Transportation Alliance Bank (TAB) has roots in the trucking sector and it still offers an account made for truck drivers. But it also offers solid personal and business deposit accounts, including a rewards checking account and high-yield savings account, as well as commercial loans. You don’t need a minimum deposit to open most of the accounts.
Highlights:
High APY Highly Rated AppHighlights:
CDs
Checking
Savings
MMA
Customer Experience
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 = 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 CD rating = 4.2/5
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.
TAB Bank pros and cons
Pros
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Most deposit accounts pay higher yields than many other banks.
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Its mobile app is highly rated on iOS and Android.
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Minimum deposit requirements are low.
Cons
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TAB doesn’t have CDs with a term shorter than one year.
TAB Bank banking products
TAB Save savings account overview
Pros
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Competitive APY.
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No minimum opening deposit.
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No monthly maintenance fees.
Cons
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Can't deposit cash.
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$30 outgoing wire fee.
The TAB Save account pays a competitive annual percentage yield (APY), which you can start earning with as little as one cent — and you'll keep earning the same great APY no matter how much you save in the account. There are no maintenance fees to hurt your earnings. Your options for accessing these funds are limited: You can transfer funds in and out or deposit checks via TAB's app. While this is a solid basic savings account, it lacks some of the conveniences you'll find at other online banks, like setting up automatic transfers or setting aside funds for specific goals.
Rate history for TAB Bank's Savings account
See how rates for this account have changed over time. Interact with the trend lines to view APY by date.
TAB Bank certificates of deposit overview
Pros
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Yields are highly competitive.
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Reasonable early withdrawal penalty.
Cons
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No terms shorter than one year.
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No bump-up or no-penalty CDs.
TAB Bank's certificate of deposit (CD) yields are highly competitive across all terms, which range from one to five years. Those consistently high yields, plus the standard $1,000 minimum deposit requirement, might make TAB a good option for building a CD ladder. With such good rates, it's unfortunate TAB doesn't offer a wider array of terms or specialty options like bump-up or no-penalty CDs. (While TAB offers IRA CDs, they cannot be opened online.) Early withdrawals incur a penalty of 90 days' of interest on terms of 12 months or less, or 180 days' worth on longer terms — on the lower end compared to competitors.
Rate history for TAB 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.
TAB Bank money market account overview
Pros
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Low, $25 minimum deposit.
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No monthly maintenance fees.
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Check-writing privileges.
Cons
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$5 paper statement fee.
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Disappointing APY.
You can open a money market account at TAB Bank with a $25 deposit. This account has one advantage over TAB's HYSA: It comes with checkwriting privileges, though you'll have to pay for your own checks. But the trade-off is a significantly worse APY that's below the national average for this type of account. You'll find much better money market account rates at many of TAB's online bank competitors.
TAB Spend rewards checking account overview
Pros
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Highly competitive yield.
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1% cash back on debit card purchases.
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No minimum deposit.
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Fee-free withdrawals at AllPoint ATMs.
Cons
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Cannot deposit cash or checks at ATMs.
TAB's checking account offers an industry-leading APY with no hoops to jump through. There's no monthly fee, minimum deposit to open the account or limit to the APY-earning balance. On top of that, account-holders earn 1% cash back on debit card purchases — an uncommon perk. TAB offers fee-free withdrawal access to Allpoint's 55,000-plus ATMs, but you cannot deposit cash or checks at these ATMs.
Customer experience
Customer support. TAB Bank has customer service hours from 6 a.m. to 7 p.m. Mountain time during the week and Saturday hours are from 9 a.m. to 3 p.m. These hours aren’t applicable for Federal holidays. Customer service requests can also be made through the bank’s “Contact us” form on its website.
Digital experience. TAB Bank is best suited for consumers who are comfortable with online and mobile banking. Its mobile app is highly rated by Apple and Android users, and it allows users to deposit money, pay bills, send money to friends or family and get account alerts. Its website makes exploring the accounts on offer easy by clearly displaying their APYs and links to disclosures.
How TAB Bank compares to other banks
Compare different account types offered by Transportation Alliance Bank. Annual percentage yields (APYs) shown were updated between March 13, 2026 and March 19, 2026.
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Selected bank
TAB Bank savings account
Bankrate score
4.9
Bankrate Savings rating = 4.9/5 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
FNBO Direct savings account
Bankrate score
4.3
Bankrate Savings rating = 4.3/5 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 March 13, 2026 and March 19, 2026.
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| 3.61% | 3.00% | |
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Minimum balance for APY
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| $0.00 | $0.01 | |
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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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| $1,805 | $1,500 | |
| TAB Bank offers a high-yield savings account that pays a competitive APY, and has easy terms for opening and maintaining the account. The high-yield savings account doesn’t require a minimum opening deposit. | FNBO’s Direct High Yield Online Savings Account offers a competitive yield, but the bank isn’t accepting new applications at the moment. FNBO expects to accept applications again in early 2024, according to its website. Only $1 is needed to open the account, and there’s no monthly service fee. You’ll earn interest on all balances. Interest is compounded and credited monthly. | |
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APY offering:
3.61%
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 deposit for APY:
$0.00
5/5
The minimum deposit amount a financial institution requires in order to open a savings account.
Monthly service fee:
$0.00
5/5
A monthly charge a financial institution deducts from an account; can sometimes be waived if certain requirements are met.
Minimum balance to avoid fee:
$0.00
5/5
The lowest balance an account must maintain to avoid a monthly fee.
Access to funds:
Great
5/5
Access to funds scores how many and which ways you can withdraw and deposit funds from a savings account.
Additional savings tools:
No
0/5
Additional savings tools include features such as sub-accounts, roundup savings or other automatic savings features.
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APY offering:
3.00%
4/5
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.
Minimum deposit for APY:
$0.00
5/5
The minimum deposit amount a financial institution requires in order to open a savings account.
Monthly service fee:
$0.00
5/5
A monthly charge a financial institution deducts from an account; can sometimes be waived if certain requirements are met.
Minimum balance to avoid fee:
$0.00
5/5
The lowest balance an account must maintain to avoid a monthly fee.
Access to funds:
Average
4/5
Access to funds scores how many and which ways you can withdraw and deposit funds from a savings account.
Additional savings tools:
No
0/5
Additional savings tools include features such as sub-accounts, roundup savings or other automatic savings features.
|
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.
The minimum deposit amount a financial institution requires in order to open a savings account.
A monthly charge a financial institution deducts from an account; can sometimes be waived if certain requirements are met.
The lowest balance an account must maintain to avoid a monthly fee.
Access to funds scores how many and which ways you can withdraw and deposit funds from a savings account.
Additional savings tools include features such as sub-accounts, roundup savings or other automatic savings features.
Bankrate does not currently track additional product details for this bank.
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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.
