Bask Bank vs. Citizens Access
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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Summary of Bask Bank vs. Citizens Access™
Key Metrics at a Glance
| Feature | Bask Bank | Citizens Access™ |
|---|---|---|
| Top Savings APY | 4.05% Interest Savings Account | 3.50% Citizens Access® Savings |
| Minimum to Open | $0 | $0.01 |
| Minimum Balance for Top APY | $0 | $0.01 |
Bask Bank
Strengths
- Bask Bank offers a higher APY of 4.05% compared to Citizens Access's 3.50%.
- Bask Bank has no minimum deposit or balance requirements.
- Bask Bank has a solid App Store rating of 4.7.
Potential Drawbacks
- Bask Bank's APY decreased from 4.15% in the last 30 days.
- Bask Bank has a lower BBB rating of B and is not accredited.
- Bask Bank's Google Play rating is 4.5, lower than Citizens Access.
Citizens Access™
Strengths
- Citizens Access has a higher Google Play rating of 4.8.
- Citizens Access has an excellent BBB rating of A+.
- Citizens Access requires only a $0.01 minimum deposit and balance.
Potential Drawbacks
- Citizens Access offers a lower APY of 3.50% compared to Bask Bank.
- Citizens Access's APY has not changed in the last 30 days.
- Citizens Access has no branches available.
→ As of October 16, 2025 Bask Bank offers an APY of 4.05% for its Interest Savings Account, with a minimum balance of $0, compared to Citizens Access™'s 3.50% APY for its Citizens Access® Savings account, with a minimum balance of $0.01.
→ Bask Bank yields $55 more than Citizens Access™ on a $10,000 balance after one year. Bask Bank pays $405, while Citizens Access™ pays $350 - an APY advantage for Bask Bank.
Calculate Savings Growth for Bask Bank vs Citizens Access™
Bask Bank
Total savings breakdown:
- Interest earned: $2,467 (12.05%)
- Total contributions: $13,000 (63.52%)
- Initial deposit: $5,000 (24.43%)
Your total balance
$20,467.00
Total balance: $20,467
Earnings: $2,467
Bank OverviewCitizens Access™
Total savings breakdown:
- Interest earned: $2,114.1 (10.51%)
- Total contributions: $13,000 (64.63%)
- Initial deposit: $5,000 (24.86%)
Your total balance
$20,114.10
Total balance: $20,114.1
Earnings: $2,114.1
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Bask Bank's total earnings would be $352.9 higher than Citizens Access™'s total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Bask Bank's vs Citizens Access™'s Savings Accounts
| Bask Bank | Citizens Access™ | ||
|---|---|---|---|
| Product | Interest Savings Account | vs | Citizens Access® Savings |
| APY | 4.05% (as of 10/16/2025) | 3.50% (as of 10/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0 | $0.01 | |
| Minimum Balance for APY | $0 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.7/5 | 4.8/5 | |
| Google Play Rating | 4.5/5 | 4.8/5 | |
| BBB Rating | B | A+ |
Comparative Historical APY Insights (Last 9 Months)
| Bask Bank | Citizens Access™ | ||
|---|---|---|---|
| Product | Interest Savings Account | vs | Citizens Access® Savings |
| Latest APY | 4.05 % | 3.50 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.6 | -2.9 | |
| Rate Changes / Mo | 0.46 | 0.11 | |
| Days Since Last Change | 27 | 78 | |
| High (-9 m) | 4.50 % | 3.70 % | |
| Low (-9 m) | 4.05 % | 3.50 % | |
| Draw-down from High | -10.0 % | -5.4 % | |
| Volatility (CV) | 0.024 | 0.025 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-9 m)
- Highest APY in the last 262 days.
- Low (-9 m)
- Lowest APY in the last 262 days.
- Draw-down from High
- How far today sits below the 9-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.