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Summary: The online division of Texas Capital Bank, Bask Bank launched in 2020 and operates as an online-only savings bank, offering high-yield savings accounts, certificates of deposit (CDs), and a high-interest checking account.
Bask Bank product overview
Bask Interest Checking
Bask Bank's Interest Checking account boasts 1% APY with no monthly account fees. Bask also offers a complimentary Visa® debit card that can be used to access cash from an ATM or to make purchases anywhere Visa is accepted.
Bask Interest Savings Account
The Bask Bank Interest Savings Account is an online high-yield savings account, which ranks among our list of the 10 best high-yield online savings accounts available today. This account doesn’t charge any monthly account fees or impose any minimum balance requirements.
However, it’s important to note that Bask Bank does not offer ATM or debit cards, so withdrawals must be made electronically or via wire transfer. Right now, this account offers up to 4% APY — more than 10 times the national average.
Bask Mileage Savings Account
The Bask Mileage Savings Account is a rewards savings account that allows account holders to earn 1.75 American Airlines AAdvantage miles for every $1 saved annually. Miles accrue daily and are awarded monthly based on your average monthly balance.
Bask Certificate of Deposit Account
Bask Bank’s CD accounts offer an alternative to its high-yield and rewards savings options for savers who have a specific goal and timeline in mind. Terms range from three to 24 months, with rates up to 3.85% APY. A minimdeposit of $1,000 to get started.
See our picks for the 10 best online banks in 2026>>
Bask Bank fees
Bask Bank doesn’t charge many bank fees, but you may incur certain fees based on your account usage and needs. Here’s a closer look at Bask’s fee structure:
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Bask Bank pros and cons
Here are some of the major pros and cons to be aware of before banking with Bask:
Pros:
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Competitive rates: Bask’s savings accounts and CDs offer APYs well above 3% APY in certain cases. That’s significantly higher than the national average interest rate for traditional savings accounts and CDs.
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No monthly fees or minimum deposit requirements: Bask Bank doesn’t charge any monthly maintenance fees or require a minimum amount to open a savings account. There is also no minimum deposit required to open a CD, but your account must be funded within 10 days of opening to avoid account closure.
Cons:
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No physical locations: Bask is an online bank with no physical branches for customers to visit.
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Limited account offerings: Bask only offers two types of accounts — high-yield savings accounts and CDs. This could be a drawback for customers with various banking needs who may want a credit card, money market account, or other types of products.
Customer service and mobile banking experience
Bask Bank customers can contact a customer service representative via telephone Monday through Friday from 7:00 a.m. to 7:00 p.m. CT and Saturdays from 9:00 a.m. to 4:00 p.m. CT. You can also reach a customer service representative via secure messaging or by submitting an online request.
The Bask Bank mobile app is available for download on the App Store and Google Play and has an average rating of 4.7 and 4.6 stars, respectively. Customers can use the app to check account balances and transaction history, move money between accounts, schedule recurring deposits, and contact customer support.
Frequently asked questions
Is Bask Bank FDIC-insured?
Yes. Bask Bank is an online division of Texas Capital Bank, which is an FDIC-insured institution. Deposits are protected up to $250,000 per depositor, per ownership category.
What is Bask Bank’s routing number?
Bask Bank’s routing number is 111026177.
Where is Bask Bank headquartered?
Bask Bank is headquartered in Dallas, Texas.
Is Bask Bank a legitimate bank?
Yes. Bask Bank is one of the oldest online banks, operating since 1999. It offers reputable high-interest, low-fee deposit accounts.
Who owns Bask Bank?
Bask Bank is a division of Texas Capital Bank, an FDIC-insured bank headquartered in Dallas.
How old is Bask Bank?
Bask Bank has been operating since 1999.
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