Bask Bank vs. Citibank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Bask BankInterest Savings Account Jan 7, 2026 | CitibankCiti Accelerate Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.75% | 3.30% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Eligibility restricted to select states. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
As of Bask Bank offers an APY of 3.75% for its Interest Savings Account, with a minimum balance of $0, compared to Citibank's 3.30% APY for its Citi Accelerate Savings account, with a minimum balance of $0.01.
Bask Bank pays $45 more than Citibank on a $10,000 balance after one year. Bask Bank pays $375, while Citibank pays $330 - an APY advantage for Bask Bank.
In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account, with a minimum balance of $0.01.
Why Bask Bank?
- ✓Higher potential APY (3.75% vs 3.30%) on all balances
- ✓Available Nationwide
Why Citibank?
- ✓Physical branch access (U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.)
— Key Feature Differences —
Better Returns at $10,000
Bask BankBask Bank's Interest Savings Account earns more on smaller deposits (approx. $375 vs $330/yr).
Better Returns at $25,000
Bask BankBask Bank's Interest Savings Account pulls ahead with larger amounts (approx. $938 vs $825/yr).
Best for Simplicity
Bask BankBask Bank's Interest Savings Account offers 3.75% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
CitibankCitibank offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.8 (vs. 4.6)
Shared Benefits
Over a 1-year period, Bask Bank's Interest Savings Account pays $45 more interest on a $10,000 balance than Citibank's Citi Accelerate Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Bask Bank offers a competitive Interest Savings Account with an APY of 3.75%, making it the standout option compared to Citibank's Citi Accelerate Savings, which has a lower APY of 3.30%. Bask Bank's account requires no minimum deposit or maintenance fees, and it is online-only with daily compounding. Additionally, it has no direct deposit requirement, enhancing its appeal for simplicity. In contrast, Citibank's account is also online-only and has a similar lack of direct deposit requirements, but it comes with a maintenance fee that can be waived under certain conditions. Overall, Bask Bank's offering provides better returns for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Bask Bank vs. Citibank Savings Calculator
You earn $45 more with Bask Bank than Citibank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Bask Bank
Interest Savings Account
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
Citibank
Citi Accelerate Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Bask Bank | Citibank |
|---|---|---|
| APY | 3.75% Verified: 1/7/2026 ↘︎ 0.30%90d Change | 3.30% Verified: 1/7/2026 ↘︎ 0.10%90d Change |
| Product Name | Interest Savings Account | Citi Accelerate Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $4.50. Waived for average monthly balances > $500 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.6 | iOS4.9 Android4.8 |
| Zelle® Support | Available Available for Interest Checking; not for standalone savings. | Available Limit: $2,500/dayTiered limits based on account status (Citigold higher). |
| BBB Rating | B | D- |
| Important Notes | - | Eligibility restricted to select states. |
| Next Steps | Visit SiteVerify at Bask Bank Non-sponsored link to official site | Visit SiteVerify at Citibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bask Bank | Citibank | |
|---|---|---|---|
| Interest Savings Account | Citi® Savings Account | Citi Accelerate Savings | |
Current APY | 3.75% | 0.03% | 3.30% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -5.0 | 0.0 | -4.8 |
Days Since Change | 19 | 343 | 50 |
11-Month High | 4.50% | 0.03% | 3.80% |
11-Month Low | 3.75% | 0.03% | 3.30% |
Adjustments / Mo | 0.52 | 0.00 | 0.52 |
Volatility Score | 0.044 | 0.000 | 0.047 |
How to read these metrics(Click to expand)
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