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TBK Bank Review

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TBK Bank Savings
0.05% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


TBK Bank was founded in 1981 and has its headquarters in Dallas, Texas. TBK Bank owns assets of $3 billion as well as deposits totaling $3 billion, classifying it as a large bank. TBK Bank 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 offerings. Coming in at a commendable 4.1 out of 5 stars, TBK Bank proves it is a good bank that gets the job done. TBK Bank provides customers with a varied selection of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs and credit cards. TBK Bank has a fair savings rate; you can find higher rates with other banks. If you're looking for a checking account for everyday use, TBK Bank's most basic checking account does not have a monthly fee. Locating an institution with free checking as well as a high savings APY is your best bet for gaining the most income from your deposits while having convenient 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

TBK Bank features a savings rate of 0.05%, which is fair as compared against the national average. TBK Bank's one-year CD earns at a rate of 2.75% and the five-year CD earns at a rate of 1.76%, while its highest-yielding money market account has a rate of 0.30%. Given its noncompetitive savings rate, you should think about choosing another bank to earn more on your deposits.

How TBK Bank's Savings Rates Compare

TBK Bank Savings 0.05 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

On average, TBK Bank charges customers extremely low fees in comparison to other U.S. banks. TBK Bank's checking account has no monthly fee, rating it excellent for anyone looking for a simple account. For those who often withdraw money from the ATM, TBK Bank is ideal because it charges no out-of-network ATM fees. TBK Bank doesn't refund out-of-network ATM charges, meaning you will need to search for a TBK Bank ATM or accept the withdrawal fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee $0 National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

TBK Bank is a brick-and-mortar bank, with 54 total branches in Colorado, Illinois, Iowa, Kansas and Texas. It also offers access to mobile and web apps for easy access and banking on the go. TBK Bank receives poor marks from users for its mobile banking services. Out of 90 customer reviews across both Apple and Android platforms, the TBK Bank mobile app has an overall rating of 3.1 out of 5 (compared to the national average of 3.8). You can access TBK Bank's mobile app to manage your finances by reviewing current statements, transferring money and accessing support representatives. TBK Bank gets a superb consumer satisfaction rating due to comparatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

Overall Mobile Rating 3.1/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

TBK Bank is a large bank owning $3 billion in assets as well as $3 billion in deposits. TBK Bank has a strong Texas Ratio of 9.42%, suggesting that TBK Bank is in good financial shape and improbable to fail. Additionally, TBK Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

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 TBK Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.05% APY $25
Checking Account 0.1% APY $1
Certificates of Deposit
  • 12 Month: 2.75% APY
  • 24 Month: 3.00% APY
  • 36 Month: 1.40% APY
  • 48 Month: 1.42% APY
  • 60 Month: 1.76% APY
$10000 for all terms
Money Market Account 0.3% APY $10000

TBK Bank has several deposit products like savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. TBK Bank does not have the best savings rate, which means you should consider taking a look elsewhere 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. TBK Bank's CD rates are fair compared to the average U.S. bank.

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Find a TBK Bank Near Me

TBK Bank has 54 physical locations in the U.S.

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