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AimBank Review

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AimBank Savings
0.35% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


AimBank started in 1925 with headquarters located in Littlefield, Texas. AimBank owns $1 billion in assets along with $974 million in deposits, which makes it a medium-size bank. AimBank lacks premium access to support representatives, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. On the whole, AimBank is a decent choice, but with better options out there, with a score of 3.6 out of 5 stars from our team. AimBank has a varied choice of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; you can find higher rates with other banks. The bank's standard checking account carries a monthly fee of $6.00, making it a rather expensive bank for checking. Institutions that offer free checking, in addition to a high interest rate savings account are your best bet for returning the most income on your deposits while maintaining easy access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.35%, AimBank ranks poorly in comparison to the national average. AimBank's one-year CD has a rate of 1.31% and the five-year CD earns at a rate of 1.61%, while its highest-yielding money market account earns at an APY of 0.40%. Given its poor savings rate, you should think about other options to earn more on your deposits.

How AimBank's Savings Rates Compare

AimBank Savings 0.35 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

AimBank charges customers high fees in comparison to other U.S. banks. Its checking account has a monthly fee of $6.00, which makes it fair for anyone looking for a simple account. AimBank does not reimburse out-of-network ATM fees, meaning you'll be required to search for an AimBank ATM or eat the fee.

Monthly Fee $6.00 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

AimBank is a brick-and-mortar bank, with 20 total branches in Texas. It also offers access to mobile and web apps for an easy mobile-banking experience. It does not have all-day customer service with representatives. You can get help during its hours, which are Monday through Friday and 8:00 a.m. to 4:30 p.m. CT. AimBank receives unsatisfactory feedback from customers for its mobile platform. Out of 77 customer reviews across iOS and Android platforms, the AimBank mobile app has an overall rating of 3.3 out of 5 (compared to the national average of 3.8). AimBank's mobile app allows you to manage your funds by reviewing current statements, transferring funds as well as accessing support representatives. AimBank gets an outstanding consumer satisfaction score due to comparatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 3.3/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

AimBank is currently a medium-size bank and handles $1 billion in assets as well as deposits totaling $974 million. Its Texas Ratio is 2.15%, signifying a negligible likelihood of failure. Additionally, AimBank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare AimBank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.35% APY $1
Checking Account 0.3% APY $1000
Certificates of Deposit
  • 12 Month: 1.31% APY
  • 24 Month: 1.36% APY
  • 36 Month: 1.41% APY
  • 48 Month: 1.61% APY
  • 60 Month: 1.61% APY
$1000 for all terms
Money Market Account 0.35% APY $1

AimBank has several deposit products like savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. AimBank does not have the best savings rate, which means you should consider other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. AimBank's CD rates are fair as compared against the national average.

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Find a AimBank Near Me

AimBank has 20 branches across the U.S.

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