Bask Bank vs. Citizens Access™
Compare rates, requirements, and features side-by-side to find the best option for you.
Bask Bank
Interest Savings Account
3.90%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Bask Bank
Interest Savings Account
Citizens Access™
Citizens Access® Savings
3.35%APYDec 5, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® Savings
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Comparison Analysis
Comparing Bask Bank vs. Citizens Access™
Why Bask Bank?
- ✓Higher potential APY (3.90% vs 3.35%) on all balances
Why Citizens Access™?
- ✓Higher rated Android app (4.8 vs 4.5)
— Key Feature Differences —
Better Returns at $10,000
Bask BankBask Bank's Interest Savings Account earns more on smaller deposits (approx. $390 vs $335/yr).
Better Returns at $25,000
Bask BankBask Bank's Interest Savings Account pulls ahead with larger amounts (approx. $975 vs $838/yr).
Best for Simplicity
Bask BankBask Bank's Interest Savings Account offers 3.90% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Citizens Access™Citizens Access™ offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.8 (vs. 4.5)
Shared Benefits
Over a 1-year period, Bask Bank's Interest Savings Account pays $55 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
Bask Bank offers a competitive Interest Savings Account with an APY of 3.90%, making it the winner in this comparison. This account has no minimum deposit or balance requirements, no maintenance fees, and does not require direct deposit, making it a simple choice for savers. In contrast, Citizens Access™ provides a lower APY of 3.35% for its savings account, which also has no minimum balance or maintenance fees. Both options are online-only, ensuring easy access for users. However, Bask Bank's higher yield positions it as the more attractive option for those looking to maximize their savings.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Bask Bank and Citizens Access™.
| Feature | Bask Bank | Citizens Access™ |
|---|---|---|
| APY | 3.90% Verified: 12/6/2025 ↘︎ 0.25%90d Change | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change |
| Product Name | Interest Savings Account | Citizens Access® Savings |
| Minimum Deposit | $0 | $0.01 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.5 | iOS4.8 Android4.8 |
| BBB Rating | B | A+ |
| Next Steps |
Savings Comparison
Bask Bank earns $351.4 more than Citizens Access™.
Bask Bank
Interest Savings Account
Savings Breakdown
- Interest Earned+$2,370.20(11.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,370.20
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$2,018.80(10.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,018.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bask Bank | Citizens Access™ |
|---|---|---|
| Interest Savings Account | Citizens Access® Savings | |
Current APY | 3.90% | 3.35% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.4 | -3.8 |
Days Since Change | 29 | 37 |
10-Month High | 4.50% | 3.70% |
10-Month Low | 3.90% | 3.35% |
Adjustments / Mo | 0.48 | 0.19 |
Volatility Score | 0.035 | 0.037 |
How to read these metrics(Click to expand)
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