I was with another major online bank for my savings. They were great but Bask was higher in APY and they also increased when the other bank held at a lower rate. At first, I was cautious because I had never heard of Bask Bank, but after checking I realized they were tied to another bank in Texas. Since I live in Texas, that was all I needed to know. They transfers between my bank and Bask happen quickly and seamlessly. They even have set up an automatic feature that is easily modified or cancelled. Interest always goes in on the same day. They even show accumulated interest any day of the month before it is deposited. I wouldn’t hesitate recommending this bank for online access.
I will update this review to be fair on 10/23. Finally things started transferring. Now that the accounts seem to be all set I’m having a lot of ease going back and forth between accounts. I’ve pulled sig money out and had it appear in other accounts the next day. Occasionally I still get an error reading. I’ll increase the stars to 4. Best savings rate and the miles program is awesome………I opened the mileage savings account. Approx 06/13. Transferred $50,000 into account. Took a full 5 business days plus weekend for funds to appear. I was going to transfer much more money in but decided to try transferring it back out to see how smoothly this bank works. I can’t get a single penny back!!! I tried to transfer 40k. Said I exceed amount. Then I tried 20k, 10k, today I tried $100. I’m being told I exceed my transfers. I’ve been trying this for a week now! I have pictures to prove. The top of app is saying customer service is experiencing high call volume. Now I need to spend my Saturday calling Bask, Calling The Texas bank they are affiliated with, calling the FDIC, calling whoever I need too! Today is 6/28. Still can’t get my money!!!!
This bank and its activities are very scary. a) If you forget your password, they don’t have any option to reset it and the only way out is to remember the account #, to talk to the customer support. b) They purposely remove the Bask bank account # from the From account drop down, while doing transfer. I have seen others mention this on other places, but now I am experiencing it. c) The transactions shown on the app|website shows different values at different times of the day, which is very scary as sometimes it shows high amount and sometimes it shows less amount. d) Show details doesn’t show any details about the transactions. e) At times you receive email, your account has been temporarily disabled, because of unusual activity. Just login fee times a day is unusual? They haven’t defined what does unusual means. f) Chargeback return is showing as debit. If it is return, it should be a credit. g) Though the transaction has settled(not pending), the available balance is far less than the actual current balance. This is also very scary.
I opened an account with Bask for their high yield savings account and the app does exactly what I need it to do. There aren’t a lot of extras included but I can easily check my account activity, the current interest rate (some banks hide it!), and I can easily move money between it and my primary checking account at a different bank. A previous bank I used for a HYSA didn’t allow external transfers through the app, which was irritating. I believe the security is good, and the Face ID works well. I’m happy to keep using this bank and their app.
I have found the app easy to navigate and the information is well laid out. However, the app has been poor with its basic performance. I have scheduled transfers on specific days in the future only to have the app make the transfers immediately. I have called customer service, which I have found is JUST the name of the team. I have not received adequate customer support in my attempts to help the Bask/Capital Bank CS team better understand the issue so it would be on a better position to fix it for their other customers. During my last call, I was “promised” a call back after being put on hold for nearly 30 minutes while waiting to speak to someone on their Tier 2 team. A week later, I still awaiting that call back. Recommendations: - hire and train better customer support personnel -have better digital systems with cross platform data flow-through so customers are not asked to provide the same PII 2 or 3 separate times before getting to ask questions/receive support. -better quality control of your digital banking systems. When people schedule payments/transfers, they expect these executable tasks are completed correctly & on-time. Bottomline: Do better!
I've been using the Bask Bank app for a while now and I'm very satisfied. I've never had issues with functionality and I have noticed with time that they have added features and continue to improve the app. Also with Bask Bank you're not stuck with only chatting if you need Customer Service, they have real humans to talk to that offer excellent customer service the couple times I've called. I'm completely satisfied.
This app uses mandatory txt/sms authentication when logging in. The problem is that the message arrives several minutes after the initial request. This means that in order to access your account, you either have to sit and wait for the sms or do the voice authentication through a phone call. This is very frustrating and there is no way to remember a device if you like to check your balance often. Of course, this could be a problem with the individual phone number but I don’t have this problem with any other txt/sms messages or similar authentications with accounts at other banks.
This company is a fraud. Customer service and support is horrible. When you open an account and transfer money into it they will call and ask you a few questions. If they don’t like your responses they will deny you access to your account and never tell you how to get your money back. They “claim” that they will contact your bank to see if the transfer was legitimate to begin with. They never do this. When you call you are told that someone will contact you and they never do. Don’t ever speak with Joe. He claims to be a fraud investigator who has no customer service skills. Doesn’t know how to communicate with people and obviously never resolves any issues. I have contacted the authorities and opened a theft and fraud investigation.
Me experience with Bask has been nothing short of incredible. Beginning with their priority to keeping your accounts safe and secured. They have also steadily increased my the interest rate over the past 2 years and still going strong! Last but not least, I couldn’t say enough about their outstanding customer service and user friendly app.
this app is not a native ios app. it's just a webview wrapper for the mobile website, hence the poor user experience. for example there is a 10-12 second delay before the current/available balance appears at the top of the home page. it's VERY annoying. it should be the first thing that appears on that page, not the last. i wouldn't trust any bank that isn't willing to invest in a native ios app. if they don't care about their customer experience should you really trust them with your money? makes you wonder what other areas of their business are they skimping on. buyer beware.
I love Bask bank. I don’t like taking chances with my money, so a high interest savings account is perfect for me. The app does what you need it to- view transactions, transfer funds, deposit checks. Sometimes there is some lag loading things, and I think the user interface/design has room for improvement, but it’s still pretty good.
Slow service, plan carefully if you need access to your funds
Ugh, a wire transfer at a normal bank can be executed and funded in one afternoon. At Bask, plan for at least three days. One day to get instructions to request a wire since it’s nowhere in the app or website. Day two to get someone to send form confirming the wire. Complete it, get no response. Day three, if we are lucky, maybe they’ll bother to send the wire? Also the cap on daily transfers is $25k which contradicts what is listed in their FAQs. Plan well ahead if you need to access your nest egg because they are slow as mud.
Been banking with them for a couple years now with amounts anywhere from $15 to $10k. No minimums, no fees, I love them. Not the best interest rates out there, but 5.1% APY is still great. I’m currently not considering switching. They also recently updated their app to make it a lot better. 10/10 would recommend
The app needs some user interface improvements to allow easier money transfer set up and reducing unnecessary email alerts. When you authorize a payment on the app, it sends multiple email alerts on the transfer request with very little information of why you are being alerted. It also takes a few steps to see your account balance and often a long time to load.
Overall great yield. Primary issue with Bask is their severe delay in making your funds available. Worse than Chase. States “up to 5 business days.” My minimum wait time has been 6 business days (8 calendar). Have a deposit that will reach 7 tomorrow (9 days total) almost a 3rd of a month unavailable. However, my funds were taken from my sending bank within 24 hours of submitting.
It’s an ok app. Very basic. The transfer section on the app when you view the From and To is a little tricky trying to open it from your phone. You have to flip your phone to landscape instead of portrait in order to see the account. It’s kinda annoying
The app is very clear, clean, and thus easy to read and navigate. Also, as opposed to other bank’s apps, one can see the current interest! I find this refreshingly transparent, and makes me ask: what are those other banks afraid of when the interest rate is not easily accessible?
I have used this app for over a year, and it has never failed. I can instantly look at my account and check my interest income at any time. Much better than some other apps from other banks.
I find the Bask app very easy to use and it gives me access to all key information about my accounts including interest rates, transactions, etc. very pleased in comparison to other banks apps that I have used in the past.
But a great bank, too! I have been a Bask Bank customer for 1 year. In that year they have been superb both for banking and for customer service. The app is also great-user friendly, easy to access as a customer and safe.
This bank is scam, they will take your money away After opening a saving interest savings with them and put a huge money as initial deposit They disable my ability to transfer money and for days now they keep telling me they suspect unusual activity and for that that I can not make transfer till someone reach out to me and it’s been days now nothing I can just login to they account to see the money but I can not access it PLEASE STAY AWAY FROM THIS BANK THEY ARE BAD NEWS !!!!
The app needs some improvement to become more user friendly for every day banking. It keeps pop up notification once you log in to deposit money which is useless.
Great app and fast transfers. I use them for their savings and I had an issue with attempting my first transfer but a few minutes on the phone and the issue was resolved so their customer service is fast too.
So happy with the interest rate I receive on my savings account. Transferring money is easy and customer service is helpful. I convinced my brother to open a savings account, even though he lives outside Texas, because the interest rate is so great.
IMO, Bask app is easy to use. The interest rates are good, though not the best. But this app is superior to my other online account which pays a bit more interest. Yet Bask transfers/credits funds a couple of days quicker than the other online bank.
Ran into a glitch in their system authenticating my linked external account. When I asked for help I got a canned response that wasn’t responsive to my issue. When I followed up, they basically ghosted me, responding *sixteen* days later after I finally gave up and asked them to close the account. Even then, they didn’t attempt to resolve the issue. Avoid them — if anything goes wrong, you’re completely on your own.
I’m not a technological savvy person, yet I use this app easily. It’s is simple and updated very quickly. Any questions I’ve asked, have been answered within 24 hrs. Thank you. Truly appreciate Bask bank.
I find Bask Bank’s app very easy to navigate and use just as if I was in front of my computer where I’m most comfortable making financial transactions.
It’s confusing, not very clear, it works fine but still not user friendly. There is almost no information i have an account for 3 months now still I don’t know if it’s possible to add this account as direct pay thing in my paycheck app. It’s confusing and not look like a banking app.
Good app, just wish they wouldn’t ask me to do a virtual tour every time I open the app. Otherwise it’s super easy to manage new products and existing savings or CDs
The app is really pretty easy to use once you learn how. It is set up nicely once you’re in and it’s easy to navigate. I like the background colors too.
Bask Bank can help you make the most of your money with more rewarding ways to save. With Bask Bank Mobile, you can securely manage your Bask accounts in one convenient place. Receive real-time transaction notifications, move funds between your accounts, schedule recurring deposits and get in touch with customer support. Texas Capital Bank d/b/a Texas Capital is a member of FDIC. Bask Bank is a division of Texas Capital Bank. See baskbank.com for eligibility requirements, terms and conditions.
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