Bask Bank Customer Support will be closed for Martin Luther King, Jr. Day on Monday, January 16, 2023. We will be back to our normal 7:00 AM to 7:00 PM customer support hours on Tuesday, January 17, 2023.

We have scheduled an enhancement for our website on Wednesday, September 1st, starting at 5:30pm CDT until approximately 7:00pm CDT. During this time, our website, sign up and online banking experiences may not be available and/or may have reduced functionality.

We will be making updates to our website from 8:00 p.m. CST on 01/25 to 12:00 a.m. CST on 01/26. During this time, the website may experience some interruptions of functionality or be unavailable.

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About Bask Bank

    What is Bask Bank?

    Bask Bank offers simpler, smarter ways to make your money work for you.

    How are Bask Bank and Texas Capital Bank connected?

    Bask Bank is a division of Texas Capital Bank, an established FDIC-insured bank headquartered in Dallas, Texas.

    Is Bask Bank FDIC insured?

    Yes. Bask Bank accounts are provided by Texas Capital Bank, which is an FDIC member. The sum of your total deposits with (i) Bask Bank and (ii) Texas Capital Bank are insured up to $250,000. Additional coverage may be available depending on how your assets are held.


    The FDIC provides a Deposit Insurance Summary guide, Your Insured Deposits Guide, and the Electronic Deposit Insurance Estimator (EDIE), which allows you to calculate your FDIC insurance coverage. The EDIE calculator can be found at


    If you have questions about FDIC insurance requirements, please visit or call them directly at 1-877-ASK-FDIC (1-877-275-3342).

    What types of accounts does Bask Bank offer?

    Bask Bank offers three types of accounts: the Bask Mileage Savings Account, the Bask Interest Savings Account, and Certificates of Deposit.


    Effective 12/01/2022, The Bask Mileage Savings Account earns 2 American Airlines AAdvantage® miles for every dollar saved annually.


    The Bask Interest Savings Account is a variable rate account that, effective 1/9/2023, currently earns 4.15% annual percentage yield (APY).


    Bask Certificates of Deposit currently earn 4.30%-4.45% annual percentage yield (APY) depending on the term selected.


    For more information, see full details within our Account Agreement, Terms & Disclosures. Rates are subject to change. Visit Bask Bank to determine the most current rate information.

    Earning Miles

      How many American Airlines AAdvantage® miles do I earn with a Bask Mileage Savings Account?

      The Bask Mileage Savings Account awards 2 AAdvantage® miles for each dollar saved annually. Miles accrued daily and are awarded monthly based on your average monthly balance. For example, if the account’s daily balance for January is $60K, you will earn 10,192 AAdvantage® miles for that month ([$60K X 2] ÷ 365 × 31). (Note: The number of days is specific for each month being calculated.) If that same balance is maintained in February, you will earn 9,205 AAdvantage® miles. After one year of maintaining an average balance of $60,000, the customer will have earned 120,000 AAdvantage® miles. 


      For more information, see full details within our Account Agreement, Terms & Disclosures. Rates are subject to change. Visit Bask Bank to determine the most current rate information.

      What can I do with my American Airlines AAdvantage® miles?

      AAdvantage® miles earned through Bask Bank will be added to your AAdvantage® account, and you can use these miles like others you earn from AAdvantage® partners. Please note, however, that AAdvantage® miles awarded through Bask Bank do not count toward elite-status qualification or AAdvantage® Million MilerSM status.

      When will the mileage awards be processed and when can I expect to see these awards posted to my American Airlines AAdvantage® account?

      Bask Bank awards the miles you earn for maintaining a balance each month on or before the 5th business day of the following month. For example, AAdvantage® miles earned throughout January will post in your Bask Mileage Savings Account on or before the 5th business day of February. Bonus AAdvantage® miles are awarded based on terms of the specific bonus offer. AAdvantage® miles earned through Bask Bank will post to your linked AAdvantage® account within 6 to 8 weeks.

      When will I start earning AAdvantage® miles on new deposits?

      You will start earning AAdvantage® miles on the business day we receive your deposit.

      How do additional deposits and withdrawals impact my earning?

      AAdvantage® miles are accrued daily and awarded based on your average monthly balance. If you deposit more, you will earn more miles. If you make a withdrawal, your miles earned will decrease. For example, if you start with $36,500 you will accrue 200 AAdvantage® miles each day you maintain that balance. If you then withdraw $10,000 and your new balance is $26,500, you will accrue 145 AAdvantage® miles each day. If you take all of your money out in the middle of the month, you will have earned for the days where you maintained a balance.

      What do I have to do to get AAdvantage® miles the second year?

      As long as you maintain a balance in your Bask Mileage Savings Account, you will continue earning AAdvantage® miles. 

      Will American Airlines AAdvantage® miles earned through Bask Bank be taxable?

      AAdvantage® miles awarded by Bask Bank for maintaining a deposit balance are viewed as interest income. This income will be reportable to the IRS and to you for the year in which the miles were posted to your AAdvantage® account. Bask Bank calculates an interest equivalent based on a good faith estimate of the value of the miles. Your interest rate and annual percentage yield may change based on a change in either the Miles Award Rate or the estimated value. For tax purposes, miles are considered to have a value of 0.42 cents. At our current rate of 2 miles per dollar saved annually, this represents a taxable APY of 0.84%.


      AAdvantage® bonus miles awarded for other activities will also be considered reportable as either miscellaneous income or interest income, depending on the nature of the award. Bask Bank will issue each customer the appropriate IRS Form 1099 for the AAdvantage® miles awarded each calendar year. For more information, you can visit our Account Agreement, Terms & Disclosures.


      Note: Bask Bank is not an accounting firm or law firm and is not offering tax or legal advice. Please consult with an appropriate professional regarding any questions about your personal taxes.

      When will I receive my 1099-INT tax forms?

      A copy of your 1099-INT form will be provided by January 31. This tax form is used to report the interest income you earned. If you have both a Bask Mileage Savings Account and a Bask Interest Savings Account, then you will receive two separate 1099-INT forms.

      How do I know that my miles go to the right American Airlines AAdvantage® account?

      Before earning miles, you must input your AAdvantage® number to link your account. If your account is already linked, you will be notified. If you link the wrong AAdvantage® number, your miles earned through Bask Bank will not post to your American Airlines account.

      Does Bask Bank offer miles with other travel partners besides American Airlines?

      Today our partnership is with American Airlines. If you aren't a member yet, click here to sign up for the American Airlines AAdvantage® program to begin earning rewards today.

      About Bask Bank Accounts

        What savings account activities can I do with a Bask Bank account?

        You can do a wide range of activities when you log in to your account at, including:

        • Check your balance
        • Transfer money securely
        • Schedule recurring deposits

        Do I need to switch banks to open a Bask Bank account?

        You do not need to switch banks, and if you have an additional account at another institution besides Bask Bank, it's easy to link to your Bask Bank account and seamlessly transfer money.

        Any fees?

        Both the Bask Bank Mileage and Bask Interest Savings Accounts have no monthly account fees. The only transaction fee associated with either account is for international or domestic wires!


        For Bask Certificates of Deposit an early withdrawal penalty may be imposed for early withdrawal. 


        For more information, see full details within our Account Agreement, Terms & Disclosures.

        Do you offer a debit card or ATM card for Bask Bank accounts?

        Bask Bank does not offer ATM or debit cards.

        Does Bask Bank have a minimum account balance?

        There is no minimum account balance for the Bask Mileage or Bask Savings Accounts. However, if your account remains unfunded for fifteen (15) business days, we reserve the right to close your account.


        Bask Certificate of Deposit accounts require a $1,000 minimum balance. Accounts that do not receive an initial deposit of $1,000 within 10 business days will be closed. 

        How can I add or change beneficiaries?

        You can add up to five beneficiaries through your online banking. On the navigation screen under settings select “Manage Beneficiaries”, select add beneficiaries, if you have multiple accounts select the account you want to add your beneficiary to and toggle over the three dots and select add/remove accounts. To add a beneficiary, you will need their 1-Full Legal Name of individual(s), 2-Date of Birth, and 3-Social Security Number. Please note that all beneficiaries added will have equal allocations and cannot be contingent beneficiaries at this time.


        Please contact Customer Support by secure message for assistance adding Trust or additional beneficiaries. To access the Secure Message Center, log into online banking, select “Menu” and then select “Messages” to start a new conversation. Please include the following in your secure message: the beneficiary's legal name, date of birth, address, email address and phone number. If you are requesting to add a Trust as a beneficiary, please include: the trust’s legal title, date of inception, address, email address, and phone number associated with that trust.

        How can I remove (delete) beneficiaries?

        On the navigation screen under settings select “Manage Beneficiaries”, select the three dots on the right to the beneficiary you want to delete. Click on Delete Beneficiary and then confirm by selecting delete.

        How can I edit beneficiaries?

        On the navigation screen under settings select “Manage Beneficiaries”, select the three dots on the right to the beneficiary you want to edit. Click on Add/Remove Accounts and then select/deselect the accounts you wish to add/remove for that beneficiary and then select save. If you deselect all accounts, it will delete the beneficiary.

        Do you offer joint-ownership accounts?

        We will soon be offering joint-ownership accounts with right of survivorship. Each joint owner will have complete control over all funds in the account. If one joint owner dies, account ownership automatically transfers to the surviving joint owners.


        For more information, check back soon for full details within our Account Agreement, Terms & Disclosures.

        What is the interest rate for a Bask Interest Savings Account?

        The current interest rate for Bask Interest Savings Accounts is 4.15% annual percentage yield (APY).


        Rates are subject to change. Visit Bask Bank to determine the most current rate information.

        How many Bask Bank accounts can I have at once?

        You can have one Bask Mileage Savings Account and one Bask Interest Savings Account. Bask Certificates of Deposit (CDs) are limited to five CD accounts per product type per owner.

        Can I link external accounts to my Bask Bank Accounts?

        Yes. Two (2) External accounts may be linked to your Bask Accounts.

        Follow the steps below to link your External bank accounts

        Add external accounts

        • From the Left Navigation Screen, select Settings, “External Accounts”
        • Select “Link Account”
        • Input financial institution's: Routing and Account Numbers
        • Select type of account (Savings, Checking)
        • Select “Link account”
        • If you are unable to link instantly through first verification, you may be prompted with other linking options.

        Instant Verification through Plaid

        • Will require your financial institution's username and password to link account

        Micro Deposit

        Note: Micro deposit will require your external financial institution's account and routing numbers as well as type of account (savings, checking)

        • Input the routing and account number. This will generate two (2) small micro deposits to the external account you linked within 2-3 business days.
        • Once the micro deposits appear in your account, navigate back to external accounts by selecting the Settings option from the left navigation and then choosing “External Accounts” 
        • You should see an option to “verify” in the bottom center of the screen
        • Click “verify” and input the 2 deposits you received. Do not use decimals.  
        • Once confirmed, your account will be linked and ready to use

        Opening An Account

          How do I open a Bask Bank account?

          Applying for an account is easy! From your computer or mobile device:


          1. Visit our Products page and choose the type of account that is right for you. 
          2. Click ‘Open an Account’.
          3. Follow the steps on the Onboarding page to complete your application. 

          What do I need to open a Bask Bank account?

          Applying is easy and only takes a few minutes. 

          To get started, you will need your:

          • U.S. Government issued ID (See the list of acceptable ID’s below)
          • U.S. Social Security number
          • Mobile device that can receive text messages


          To complete your application, you will enter your personal details and contact information including your email, phone number, and physical address.  To comply with federal law, we are also required to collect information about your primary source of income. In certain instances, we may request additional documentation prior to opening your account. 

          What are Acceptable Forms of ID?

          Acceptable Government issued forms of identification include: 


          • State Issued Driver’s License
          • State issued Identification Card
          • U.S. Passport
          • Permanent Resident Card
          • Tribal Identification Card

          Does applying for an account affect my credit score?

          No. Bask Bank does not perform credit checks. When you apply for an account, we may review your consumer reporting information to help confirm your identity, however, this review will not affect your credit score. 

          Read more in our Account Agreement, Terms and Disclosures.

          Why was my application denied?

          Bask Bank uses multiple third-party verification services to authenticate your identity and validate your banking history in order to comply with federal regulations and protect the identities and assets of our customers.


          We are unable to provide specific details regarding the decision of your application; however, here are some common reasons applications are not approved:

          • Your application contained an error or typo
          • The information provided could not be verified as your information
          • Your application was submitted from outside of the United States
          • Multiple applications were submitted with inconsistent information
          • The information provided was associated with negative banking activity or unpaid bank fees
          • Documents submitted were unreadable or expired 

          What are micro-deposits and how do they work?

          Micro-deposits are used by banks to verify account ownership and transaction capabilities. 


          Before deposits or withdraws can be made with your Bask Bank account, you’ll need to link your Bask Bank routing and account number to your external bank account.  We will then make two small deposits for less than $1.00 in your external bank account to confirm the accounts were successfully linked. Once verified, you can easily transfer money between accounts. 


          How does it work?

          • When the account link is initiated, Bask Bank will make two small deposits into your external bank account. Please allow 1-3 business days for the micro-deposits to appear.  
          • Once the micro-deposits have posted, log into your online banking account at or from the mobile app to confirm the amounts.
          •  Once your accounts are successfully linked, you will be able to transfer funds between accounts. Later, Bask Bank also sends a request to withdraw the previously made micro-deposits. 
          • If you do not see the micro-deposits posted to your account within 3 business days, double check the routing and account number and try again.

          Funding, transfers, and withdrawals

            How can I fund my account?

            You have several options to fund your account:

            • You can initiate a transfer from the Bask Bank website or mobile app. This will process as an ACH that withdraws money from your account at another bank and deposits it to your Bask Bank account.
            • You can deposit a check using the Mobile Deposit feature of our mobile app. The check must be made payable to you and must be properly endorsed. Please see the Account Agreement, Terms & Disclosures for additional guidance on Mobile Deposit.
            • You can initiate a Wire Transfer from your account at another bank.


            Bask Bank

            2350 Lakeside Blvd., Ste. 800

            Richardson, Texas 75082


            Routing Number: 111026177


            Beneficiary: (Customer Name)


            Beneficiary Account Number: (Customer’s Bask Bank Account Number)

            Is there a minimum funding requirement to open an account with Bask Bank?

            There is no minimum funding required to open either a Bask Mileage Savings or a Bask Interest Savings account; however, accounts that do not receive an initial deposit within 15 business days may be closed. 


            There is no minimum funding required to open a Time Deposit account; however, accounts that do not receive an initial deposit of $1,000 within 10 business days will be closed. 


            For more information, see full details within our Account Agreement, Terms & Disclosures.

            What are my online transfer limits?

            New Customer Limits:

            Online transfers are limited to a maximum of:

            • $100,000 per transaction
            • $100,000 per day
            • $150,000 per month

            New Customers can make up to six online transfers per month for a maximum total of $150,000.


            Established Customer Limits:

            Online transfers are limited to a maximum of:

            • $150,000 per transaction
            • $250,000 per day
            • $300,000 per month

            Established Customers can make up to six online transfers per month for a maximum total of $300,000.


            Bask Bank may update transfer limits and number of transactions at any time based on account activity and relationship with the bank, without notification unless required by law.


            If you need assistance with transferring larger amounts, please contact Customer Support at 833.260.4320.

            How long does it take for a transfer to process?

            It may take 1 to 3 business days for a transfer to process. Funds become available for ACH Entries originating through external banks no later than the Business Day after the Settlement Date of such items. For ACH Entries originating from Bask Bank through your linked external account, funds will be made available within 3 business days but no later than five (5) Business Days after the Settlement Date of such items.


            For more details, please see the Funds Availability section of the Account Agreement, Terms & Disclosures.

            Can I take my money out of Bask Bank at any time?

            Sure! You may withdraw your Available Balance from your Bask Savings or Bask Mileage Accounts at any time. If you choose to withdraw any portion of your savings from your Bask Mileage Account, you will be  awarded based on the average monthly balance maintained in your Account.


            Your Account may be subject to interest penalties when you withdraw funds from your certificate of deposit prior to the maturity date. If your accrued interest is less than the penalty’s total amount, the difference will be taken from your principal.


            For more information about how you can access your funds, see full details within our Account Agreement, Terms & Disclosures.

            Can I setup recurring and scheduled transfers?

            Absolutely! Just log in to set the timing and frequency, and you’ll reach your savings goals even faster. Remember, if you close your account, you are responsible for cancelling any recurring or scheduled transfers.

            Are there any transfer fees?

            There are no account fees associated with your account with Bask Bank, including transfers to and from. Your external bank or a third party may, however, charge a fee.

            What is Bask Bank's ABA routing number?

            Our routing number for both wire transfers and ACH transfers is 111026177.

            What happens if I don't fund my account?

            If a Bask Mileage or Bask Interest Savings account remains unfunded for fifteen (15) business days, we reserve the right to close that account.


            If a Bask Certificate of Deposit account remains unfunded for ten (10) business days, we reserve the right to close that account.


              When will I receive my savings account statements?

              You will receive a savings account statement each month, which will include your activity from the previous month.

              How do I dispute a transaction on my statement?

              If you believe there was an error on your transaction, please contact us at 833.260.4320 Monday through Friday between 7:00 AM and 7:00 PM CST and on Saturday between 9:00 AM and 4:00 PM CST. You can also send a secure message to customer support, by logging into your account, locating the transaction in question in the Savings tab, clicking the drop-down list button on the right-hand side of the transaction and selecting “ask a question.”

              How do I access my statements online?

              Log in to your account, select “Documents” from the menu, select your account in the initial drop-down menu and then select your statement from the next drop-down menu.

              How do I sign up to receive paperless documents?

              All Bask Bank accounts with your E-Sign Consent are automatically enrolled to receive paperless statements, tax documents and notices on June 1, 2020, so you will not have to take any action to receive paperless documents in the future.

              How do I view my paperless documents?

              To access your paperless statements, tax documents and notices, sign in to your online account, click “More” on the top navigation menu and click the “Documents” tile. From there, you will be able to select your account and which monthly statement or document you would like to view.

              When will I know when my paperless documents are ready?

              Whenever a new statement or document is ready to be viewed, you will receive an email notification alerting you that your documents are available in your online banking portal.

              How often will I receive paperless statements about my Bask Bank account?

              You will receive a paperless statement for each calendar month that your account with Bask Bank remains active.

              How do I opt out of receiving paperless documents from Bask Bank and continue to receive paper documents?

              To continue receiving paper statements, tax documents and notices from Bask Bank, please contact our Customer Support team at 833.260.4320 or send a written request through the secure message center.

              Alerts and Notifications

                What types of alerts will Bask Bank send me?

                We’ll notify you when there’s been certain types of activity in your account. That way you can stay on top of your account for security and ease of use.

                How do I change which security alerts I receive?

                Once you’ve logged into online banking, select More and then Notifications and Alerts. There you can toggle on and off each type of alert.

                What's the difference between security alerts and secure email?

                Security alerts  will be sent to you via email to flag for potential suspicious activity. But secure email exists within the online banking platform. Once you’ve logged in, you can use it to send a secure message about your account to our Customer Support team.

                How do I unsubscribe from Bask Bank marketing emails?

                To unsubscribe from marketing emails, click "Unsubscribe" located near the bottom of any marketing communication received from us.

                How will I be notified when I receive important updates through the secure message channel?

                As of 10.27.2022 customers will receive an email notification when a Client Support Representative replies to a secure message or sends a new secure message.

                How can I manage Secure Message notifications if I no longer want to receive them?

                This notification is automatically turned on for customers, however, it can be turned off by navigating to the menu, selecting settings, then "Notifications and Alerts" and then find "Alert me when I receive a secure messgae". Here you can toggle the option to turn off if notifications are no longer needed. 

                Profile and access information

                  How can I find my savings account number?

                  Once you’ve logged in to online banking, select the account and navigate to the Details tab. You’ll find your balance, latest deposit details and account number there. You can also see your account number on your monthly statements or call us at 833.260.4320.

                  How do I access my Bask Bank account?

                  You can access your account a variety of ways.

                  • Online: Access your account at Log in with your username and password.
                  • Mobile App: Download our mobile app and log in with your username and password.
                  • Customer Support: Call our US-based team at 833.260.4320 Monday through Friday from 7:00 AM to 7:00 PM CST and Saturday from 9:00 AM to 4:00 PM CST.

                  Where can I download the Bask Bank app?

                  Our app can be downloaded via the Apple App Store or Google Play Store.

                  What browsers do you support?

                  We support Safari, Firefox, Google Chrome and Edge. We do not support Internet Explorer.

                  I forgot my username. What do I do now?

                  To protect your account information, we do not provide an option to change your username online. If you have forgotten your username, give us a call at 833.260.4320 and we can help you reset it.

                  How do I change my password?

                  You can change your password in the Bask Bank app by clicking “Forgot password?” on the home screen and following the guided prompts.

                  How can I get help on the phone?

                  Bask Bank provides telephone support Monday through Friday between 7:00 AM and 7:00 PM CST and on Saturday between 9:00 AM and 4:00 PM CST. If you can’t find what you’re looking for online or via our mobile app, feel free to give us a call at 833.260.4320.

                  Special Offers

                    Does Bask Bank ever offer special promotions on their CD's such as a one-time rate bump?

                    Effective 11/02/2022- On occasion, we may offer promotions or programs offering higher than average interest rates. Solely at our discretion, we may bump your rate to the current promotional rate or allow you to select a one-time rate bump during the term of your CD. Because the interest rate and APY are fixed through your maturity date, we are not obligated to authorize a rate bump and initiating a one-time rate bump, at our discretion, does not guarantee that we will continue to authorize rate bumps in the future.

                    How will I be notified if a promotional CD rate is applied?

                    In the event a promotional rate is applied, a rate change notice will be distributed and available via online banking and the new rate will show on your account display. 

                    No luck finding the answer to your question? Email or call us at 833.260.4320, and one of our customer support representatives will be in touch with you shortly.