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TBK Bank Review

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


Started in 1981, TBK Bank has assets totaling $3 billion and deposits totaling $3 billion, making the institution a large bank. TBK Bank, whose headquarters are in Dallas, Texas, lacks premium access to support representatives, with no live chat or all-day service options available. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. Overall, TBK Bank is a good bank that gets the job done, with a rating of 4.1 stars out of 5 from the SmartAsset team. TBK Bank has a complete array of product offerings, including savings accounts, checking accounts, money market accounts, CDs, IRAs and credit cards. It has a fair savings rate; other popular banks have higher rates. If you're looking for a checking account for everyday use, TBK Bank offers an option without a maintenance or monthly fee. Locating a checking account with no monthly fee, in addition to a savings account with a high APY at the same bank is the best option for returning the most income on your deposits while having easy access to your funds.

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 0.35%, which is poor in comparison to the average U.S. bank. TBK Bank's one-year CD earns at a rate of 2.85% and the five-year CD earns at a rate of 2.10%, while its highest-yielding money market account has an APY of 0.50%. Given TBK Bank's below average savings rate, you should think about taking a look at other banks for savings accounts.

How TBK Bank's Savings Rates Compare

TBK Bank Savings 0.35 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

TBK Bank has generally extremely low fees in comparison to the national average. With no monthly fee, TBK Bank's checking account is perfect for those who want an easy banking experience. For those who often visit the ATM, TBK Bank is perfect because it has no out-of-network ATM fees. TBK Bank doesn't reimburse out-of-network ATM fees, which means you'll need to find a TBK Bank ATM or eat the ATM charge.

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 bank locations in Colorado, Illinois, Iowa, Kansas and Texas. With mobile and web apps, TBK Bank makes mobile banking easy, even on the go. TBK Bank's online and mobile banking platforms get poor marks from customers. With 90 ratings across Apple and Android platforms, the TBK Bank mobile app rates a 3.1 out of 5 (compared to the national average of 3.8). You can utilize TBK Bank's mobile app to control your finances by reviewing monthly statements, sending and receiving money and accessing customer service. TBK Bank receives an exceptional consumer satisfaction rating due to relatively few consumer complaints brought 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 ranks as a large bank and owns assets totaling $3 billion as well as deposits totaling $3 billion. Its Texas Ratio is 9.42%, indicating a tiny opportunity of failure. 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 0.35% APY $250
Checking Account 0.1% APY $1
Certificates of Deposit
  • 12 Month: 2.85% APY
  • 24 Month: 3.00% APY
  • 36 Month: 1.50% APY
  • 48 Month: 1.75% APY
  • 60 Month: 2.10% APY
$10000 for all terms
Money Market Account 0.3% APY $5000

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 as compared against the national average.

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Find a TBK Bank Near Me

TBK Bank has 54 locations in the U.S.

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