Bask Bank vs. Wealthfront
Comparing Bask Bank and Wealthfront for savings: Bask Bank's Interest Savings Account pays 0.25% APY while Wealthfront's Cash Account pays 3.95% APY (including a 3-month 0.65% promo boost).
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Wealthfront pays $321 more than Bask Bank annually ($346 vs $25).
Choose Bask Bank if you want a no-strings-attached account, you want to avoid a promo rate with a scheduled drop, BBB rating matters to you, or you want Zelle for quick transfers. Choose Wealthfront if getting the best rate matters most.
Important Considerations
The key difference? Wealthfront's 3.95% rate includes a promotional bonus for the first 3 months, after which it reverts to the standard rate (currently 3.30%). Bask Bank's 0.25% rate has no scheduled drop, though all rates are subject to change.
| Metric | Bask BankInterest Savings Account Feb 21, 2026 | WealthfrontCash Account Feb 21, 2026 |
|---|---|---|
| APY | 0.25% | 3.30% - 3.95% |
Est. Earnings | $5,000+$13 $10,000+$25 $25,000+$63 | $5,000+$173 $10,000+$346 $25,000+$866 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Bask Bank vs. Wealthfront
Executive Summary
Wealthfront offers a Cash Account with a competitive APY of 3.95%, significantly higher than Bask Bank's Interest Savings Account, which yields 0.25%. Wealthfront's account is appealing for its simplicity, requiring no direct deposit or maintenance fees, and is online-only. Additionally, new clients enjoy the promotional rate of 3.95% for the first three months before it adjusts to 3.30%. In contrast, Bask Bank provides a lower yield but also has no fees and a $0 minimum deposit, making it a secondary option for savers. Overall, Wealthfront is the clear winner based on the provided APY data.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Bask Bank?
- ✓Fast transfers via Zelle®
Why Wealthfront?
- ✓Higher potential APY (3.95% vs 0.25%) on all balances
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
WealthfrontWealthfront's Cash Account earns more on smaller deposits (approx. $346 vs $25/yr).
Better Returns at $25,000
WealthfrontWealthfront's Cash Account pulls ahead with larger amounts (approx. $866 vs $63/yr).
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 3.95% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period (factoring in a 3-month promo), Wealthfront's Cash Account pays $321 more interest on a $10,000 balance than Bask Bank's Interest Savings Account.
*Wealthfront's calculation includes their 3-month introductory promotional rate and subsequent standard rate.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Bask Bank vs. Wealthfront Savings Calculator
You earn $322.5 more with Wealthfront than Bask Bank 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+$25.00(0.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,025.00
Wealthfront
Cash Account
Promo Rate: 3.95% for 3 months, then 3.30%.
Savings Breakdown
- Interest Earned+$347.50(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,347.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Bask Bank | Wealthfront |
|---|---|---|
| APY | 0.25% Verified: 2/21/2026 ↘︎ 3.65%90d Change | 3.95% Range: 3.30% - 3.95% Verified: 2/21/2026 ↘︎ 0.20%90d Change |
| Product Name | Interest Savings Account | Cash Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | Yes |
| Zelle® Support | Available Available for Interest Checking; not for standalone savings. | Not Supported |
| BBB Rating | B | F |
| Important Notes | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at Bask Bank Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bask Bank | Wealthfront |
|---|---|---|
| Interest Savings Account | Cash Account | |
Current APY | 0.25% | 3.95% |
Trend | Stable | Stable |
Velocity (bps/mo) | -101.4 | -8.6 |
Days Since Change | 18 | 22 |
3-Month High | 3.90% | 4.15% |
3-Month Low | 0.25% | 3.90% |
Adjustments / Mo | 0.60 | 0.60 |
Volatility Score | 0.444 | 0.028 |
How to read these metrics(Click to expand)
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Compare Bask Bank's APY of 0.25% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Bask Bank vs Ally Bank | 3.20% | $0 |
| Bask Bank vs American Express | 3.30% | $0 |
| Bask Bank vs Axos Bank | 4.21% | $0 |
| Bask Bank vs Bank of America | 0.01% | $100 |
| Bask Bank vs Barclays | 3.85% | $0 |
| Bask Bank vs Capital One | 3.30% | $0 |
| Bask Bank vs Chase Bank | 0.01% | $0 |
| Bask Bank vs Chime | 3.00% | $0 |
| Bask Bank vs CIT Bank | 3.75% | $100 |
| Bask Bank vs Citibank | 3.20% | $0 |
| Bask Bank vs Discover Bank | 3.30% | $0 |
| Bask Bank vs EverBank | 3.90% | $0 |
| Bask Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Bask Bank vs Newtek Bank | 4.20% | $0.01 |
| Bask Bank vs Openbank | 4.09% | $500 |
| Bask Bank vs Pibank | 4.60% | $0 |
| Bask Bank vs SoFi Bank | 4.00% | $0 |
| Bask Bank vs Synchrony Bank | 3.50% | $0 |
| Bask Bank vs Varo Bank | 5.00% | $0 |
| Bask Bank vs Wells Fargo | 0.05% | $25 |