Bask Bank Customer Support will be closed for Presidents Day on Monday, February 19, 2024. We will be back to our normal 7:00 AM to 7:00 PM customer support hours on Tuesday, February 20, 2024.

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.

An enhancement has been scheduled for account opening on Tuesday, February 6, starting at 8:00 PM CT to approximately 11:00 PM CT. During this time, account opening may not be available or may have reduced functionality.

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About Bask Bank

    What types of accounts does Bask Bank offer?

    Bask Bank offers the following savings accounts:


    • Bask Interest Savings Account
    • Bask Mileage Savings Account
    • Bask Certificates of Deposit

    How are Bask Bank and Texas Capital Bank connected?

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

    Is Bask Bank FDIC insured?

    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 is insured up to $250,000 per depositor for each account ownership category.


    For more information regarding insurance coverage, the FDIC provides a Deposit Insurance Summary Guide, Your Insured Deposits Guide, and the Electronic Deposit Insurance Estimator (EDIE). The EDIE calculator can be found at


    For more information, visit or call 1-877-ASK-FDIC (1-877-275-3342).

    About Bask Bank Accounts

      Does Bask Bank charge any fees?

      There are no monthly account fees associated with any Bask Bank account. Transaction service fees may apply to certain transaction types.


      For Bask Certificate of Deposit Accounts (CD), an early withdrawal penalty may be imposed if you choose to withdraw funds prior to maturity.


      For more information, see full details within our Bask Bank Fee Schedule

      Does Bask Bank have a minimum account balance?

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


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

      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 offer joint bank accounts?

      Yes. Joint accounts are available for Bask Interest Savings Accounts and Bask Certificate of Deposit (CD) Accounts. 


      Opening a joint account is easy and similar to opening an individual account. From the application page, choose “Joint Account” and enter the personal details of each applicant. Both applicants will need to be present and have their mobile device available for verification purposes. 


      To add a joint account owner to an existing account, log into Online Banking and select “Add a Joint Owner” under “Account Services.” Click “Invite Joint Owner” and follow the invitation steps. 


      Bask Bank will send an email invitation to the joint applicant with a link to confirm their identity.

      How many joint account owners can be on an account?

      Account owners can add one joint account owner and up to five beneficiaries per account.

      How many Bask Bank accounts can I have at once?

      You can have up to the following: 


      • Two individually owned and two jointly owned Bask Interest Savings Accounts

      • One individually owned Bask Mileage Savings Account

      • Five individually owned and five jointly owned Bask Certificate of Deposit (CD) Accounts per term length.

      Can I link external accounts to my Bask Bank Accounts?

      You can link up to two external accounts to your Bask Bank accounts.


      Follow these steps to link your external bank accounts within the Online Banking portal:


      • From the left navigation screen, select “Account Services,” “Manage External Accounts.”
      • Select “Link Account.”
      • Input your external financial institution's routing and account numbers.
      • Select the type of account (savings or checking).
      • Select “Link Account.”


      If you are unable to link instantly through the first verification, you may be prompted with additional linking options:


      1. Instant Verification through Plaid: This method will require your financial institution's username and password to link your account.
      2. Micro-Deposits: This method will require your external financial institution's account and routing numbers, as well as the type of account being linked (savings or checking). For this option, Bask Bank will deposit small sums into your external account that you will need to verify.

      What are micro-deposits and how do they work?

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


      Before deposits or withdrawals can be made, you will need to link your external account to your Bask Bank account. Once verified, you can easily transfer money between accounts.


      When you initiate the account link, Bask Bank will make two small deposits (e.g., $0.21 and $0.26) to your external bank account. Please allow one to three business days for the micro-deposits to appear.  


      Once the micro-deposits have posted, log into Online Banking to confirm the amounts. If you don't see the micro-deposits posted within three business days, please double check the routing and account number and try again. 


      If you initiate the account linking process from your external bank account, make sure to select "Savings" as the Bask Bank account type to avoid the risk of your funds being returned or rejected.

      Can I use my Bask Bank account to pay bills or to make purchases?

      Our accounts were built to help you maximize your savings and are not meant for everyday spending. Because of this, our Bask Interest Savings Account, Bask Mileage Savings Account and Bask Certificates of Deposit cannot be used to pay bills or make purchases (e.g Tax payments initiated directly through a government or county site). 


      Opening An Account

        How do I open an account, and what will I need to complete my application?

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


        1. Visit our “Products” page and choose the type of account you wish to open.
        2. Click “Open an Account.”
        3. Follow the steps to complete your application.


        You will need to provide your name, contact information, social security number and U.S. government-issued ID. During the account opening process, you will be asked to answer questions to verify your identity and your employment status, as well as how you intend to utilize your account. Please have your mobile device available to verify your identity as a part of the application process.


        Acceptable 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 consumer reporting information to help confirm your identity; however, this review will not affect your credit score. 


        Read more in our Account Agreement, Terms & 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.

        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 into 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 and Disclosures for additional information.
          • 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)

          Can I withdraw my money from Bask Bank at any time?

          For a Bask Interest Savings Account or Bask Mileage Savings Account, you may withdraw your available balance at any time. If you withdraw any portion of your funds from these accounts, you will still be awarded miles or interest based on the average monthly balance.


          For a Bask Certificate of Deposit (CD) Account, the account may be subject to penalties if you withdraw funds 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. Click here for more information on penalties related to Bask Certificate of Deposit (CD) Accounts.


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

          What are my online transfer limits?

          ACH transfers initiated in Bask Online Banking may be subject to transaction limitations. The dollar amount and monthly transfer numbers may vary based on banking relationship and account activity.


          The amount you can transfer ranges from $50,000 to $150,000 per transaction and $100,000 to $250,000 per day, and three to six transfers for a maximum of $150,000 to $300,000 per calendar month.


          If you need to withdraw more than the preset limits in Online Banking, call Customer Support at 833.260.4320 to learn about additional transfer options.


          Read more about withdrawals and transfers in our Account Agreement Terms & Disclosures.  

          How long does it take for a transfer to process?

          ACH credit and debit transfers originating from Bask Bank can take up to three business days to process. 


          ACH transfer credits from an external account to Bask Bank become available no later than five business days after the settlement date.


          For more information, please see the Funds Availability section of the  Account Agreement, Terms and Disclosures.

          Can I set up recurring and scheduled transfers?

          You can set up recurring and scheduled transfers or deposits through the Online Banking portal. 


          To set up a one-time or recurring transfer, log into Online Banking and select "Transfer" from the menu. Enter the transfer details and select the frequency from the drop-down menu.

          What is Bask Bank's ABA routing number?

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

          How do I send a domestic or international wire transfer?

          To initiate a domestic or international wire transfer, log in to Online Banking and follow these steps:


          On the web:

          1. From the left navigation screen, select "Transfer" then "Wire Transfer." Continue to 2. below.


          From the mobile app:

          1. From the navigation bar, tap "Menu," "Transfer" then "Transfer Funds."
          2. Select "New Payment."
          3. Choose "Domestic Wire" or "International Wire."
          4. As the originator, select the account you wish to transfer from and choose a process date.
          5. If you are sending money to a recipient for the first time, click "Add New Recipient" and enter the required information.
          6. Verify the transfer details and click "Approve."
          7. You'll get a prompt to receive a one-time code to verify your identity and confirm your request.


          In some cases, Customer Support may contact you by phone to confirm your wire request.


          By phone:
          To request help processing a wire transfer, contact Customer Support at 833.260.4320. They are available Monday through Friday between 7:00 AM to 7:00 PM and Saturday between 9:00 AM to 4:00 PM CT.

          What is the cut-off time for sending wire transfers?

          Domestic and international wire transfers sent before 5:15 PM CT, Monday through Friday, excluding Federal Holidays, will be processed the same day. Wire transfers initiated after 5:15 PM CT, will be processed on the next business day.

          Joint Accounts and Beneficiaries

            How do I add a joint account owner to my existing account?

            To add a joint account owner to your existing account, log into Online Banking and select "Add a Joint Owner" under "Account Services." Click “Invite Joint Owner” and follow the invitation steps. Bask Bank will send an email invitation to the joint applicant with a link to confirm their identity.


            Once approved, the joint account owner will receive a welcome email and access to Online Banking. Please note that the joint owner must meet identity and eligibility requirements.

            Can I add a joint owner to more than one account?

            Yes. From the Online Banking portal, you can add a joint owner to one or multiple accounts. 
            Joint accounts are available for Bask Interest Savings Accounts and Bask Certificate of Deposit (CD) Accounts.

            How long will the person I invite as a joint owner have to complete their application?

            From the day the invite is initiated, the joint applicant will have seven calendar days to complete their application.

            Where can I confirm the joint owner on my account(s)?

            To view joint account owners on your account, log into Online Banking and select "Add a Joint Owner" under “Account Services.” 


            In the “Joint Accounts” section, approved joint account owners will be displayed below the account details.

            Can I remove a joint owner from my account?

            Once a person has been invited and agreed to become a joint owner on an account, they cannot be removed without closing the account.

            What happens if the invitation link expires?

            If the person you invited to become a joint account owner was unable to complete an application before the invitation link expired, you may request a new invitation link through the "Add a Joint Owner" section of the Online Banking portal under "Account Services."

            What happens to a joint account after the death of an account owner?

            Upon the death of a primary or joint account owner, the surviving owner will maintain ownership of the account and its funds.

            How can I add, update or remove beneficiaries to my Bask Bank account?

            You can add up to five beneficiaries per account. Log into Online Banking and select "Manage Beneficiaries" under “Account Services.” Beneficiaries can be added to one or multiple accounts. Please note that all beneficiaries added will have equal allocations and cannot be contingent beneficiaries.


            To add a beneficiary, you will need their full legal name, date of birth and social security number.


            From the "Manage Beneficiaries" section:

            1. Click "Add Beneficiary." 
            2. Enter the beneficiary details.
            3. Select the account(s) you want to include.
            4. Click "Save."


            To edit or remove existing beneficiaries:

            1. Click the three dots menu in the upper-right corner of the “Manage Beneficiaries” section, then click "Add/Remove Accounts."
            2. Select or unselect the account(s) to change your beneficiary's permissions.
            3. Click “Save." 


            Unselecting all accounts will delete the beneficiary, or you can select the "Delete Beneficiaries" option and follow the prompts to remove a beneficiary from your account.

            Can I add a trust as a beneficiary to my account?

            To add a trust as a beneficiary, please send a secure message to Customer Support and include the following information associated with the trust:


            • Legal title
            • Date of inception
            • Address
            • Email address
            • Phone number


            To access the Secure Message Center, log into Online Banking and select “Menu,” then click “Messages” to start a new conversation.

            Can I add a beneficiary as a joint owner?

            Yes. To add an existing beneficiary as a joint account owner, log into Online Banking and select “Add a Joint Owner” under “Account Services.” Click “Invite Joint Owner” and follow the invitation steps. 


            As an account owner, you can add one joint owner per account. If you have multiple beneficiaries on your account, their status as a beneficiary will not change.


              How can I access my account statements?

              Account statements are available online at the beginning of each calendar month that your account is open. 


              To access your statements, log into Online Banking and select “Documents” from the menu. Select your account, then choose a statement to view from the drop-down menu.


              You will also receive an email notification when your statement is available. 


              As of June 1, 2020, all Bask Bank accounts with your e-sign consent are automatically enrolled to receive paperless statements, tax documents and notices.

              How do I dispute a transaction on my statement?

              If you believe there was a transaction error on your statement, please contact our Customer Support team at  833.260.4320 Monday through Friday between 7:00 AM and 7:00 PM CT and on Saturday between 9:00 AM and 4:00 PM CT. 


              You can also send a secure message by logging into your Online Banking account, locating the transaction under Transaction History, clicking the three dots menu on the right-hand side of the transaction and selecting "ask a question.” 


              You must notify us of any error or discrepancy within 60 days of the date the monthly statement which the disputed transaction first appeared or was made available to you in Online Banking.

              How and when will I receive my tax documents?

              You’ll receive a copy of your 1099-INT form by mail to the address on file postmarked by January 31st of each year if the interest earned for the prior year exceeds $10 for all accounts held with Bask and Texas Capital Bank.


              1099-INT forms are also located in Online Banking under Documents. An email notification is sent when it becomes available online.

              How do I opt out of receiving paperless documents and request to receive paper documents through the mail?

              To request 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 things will Bask Bank notify me about?

                We’ll notify you when there’s been certain types of activity in your account so that you can monitor your account for security and convenience. 


                You will also receive an email notification when a Client Support Representative replies to a secure message or sends you a new secure message.

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

                Security alerts are emailed when an account has been flagged for potentially suspicious activity. 


                Secure messages are a function available in Online Banking as a convenient way to communicate with our Customer Support team about your account.

                How do I manage which alerts I receive?

                To manage security alerts, log into Online Banking, select " Profile & Settings" from the left-hand menu, then select "Notifications and Alerts." There, you can adjust specific settings for each type of alert.


                To manage secure message notifications, follow the steps above and navigate to the option "Alert me when I receive a secure message." Disable this option if notifications are not needed. 


                To unsubscribe from marketing emails and stop receiving marketing messages from Bask Bank, click the "Unsubscribe" link near the bottom of any marketing communication you’ve received from us.

                Profile and Access Information

                  How do I access my Bask Bank account?

                  You can access your account a variety of ways:


                  • Access your account at and log in with your username and password. We support Safari, Firefox, Google Chrome and Edge. We do not support Internet Explorer.
                  • Download the Bask Bank mobile app and log in with your username and password. The app can be downloaded on the Apple App Store or Google Play Store.
                  • Call our U.S.-based Customer Support Team at 833.260.4320 Monday through Friday from 7:00 AM to 7:00 PM CT and Saturday from 9:00 AM to 4:00 PM CT.

                  What do I do if I forgot my username?

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

                  How do I change my password?

                  You can change your password on the Bask Bank website or in the mobile app by clicking “Forgot password?” on the home screen and following the password reset instructions.

                  How can I find my account number?

                  Log in to Online Banking, select the account, and click “Account and Routing Numbers.”  


                  You can also find your account number on your monthly statements. 

                  Why does the rate I see look different from the APY that Bask Bank advertises?

                  For Bask Certificate of Deposit (CD) Accounts and Bask Interest Savings Accounts, you may see the rate displayed in Online Banking as the simple interest rate, which does not include the effects of compounding interest. The Annual Percentage Yield (APY), which is often shown on our website and other communications, includes the benefits of compounding interest. Bask Bank compounds interest on your account daily, so the base rate translates into the correct APY on an annual basis. The base rate may appear as a lower number than the APY. 


                  In the event that rates change mid-month for your Bask Interest Savings Account, the rate shown may reflect a weighted average of the rates applied during that month.

                  How can I get help on the phone?

                  Bask Bank provides telephone support Monday through Friday between 7:00 AM and 7:00 PM CT and on Saturday between 9:00 AM and 4:00 PM CT. If you can’t find what you’re looking for online or in the Bask Bank mobile app, call our Customer Support Team at  833.260.4320.

                  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.