Notice for Customers

TAB will soon be performing maintenance on our debit card authorization process. It will begin at 11:00 PM MT on October 21 and extend to 8:00 AM MT on October 22. You may experience intermittent issues. If you encounter a problem outside of this maintenance period, please call TAB Customer Service at 800-355-3063.

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Get more from your money with a new kind of rewards checking account.

An Award Winning Bank

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ANNUAL PERCENTAGE YIELD (APY)CASHBACK ON PURCHASESMIN. DEPOSIT TO OPEN
3.50%1.00%$0.00

Rates effective as of November 6, 2024.

Interest rates and annual percentage yield (APY) may change at any time, at TAB's discretion, without notice. Minimum balance to obtain APY is $0.01. The standard deposit insurance amount is $250,000 per depositor, per FDIC-insured bank, per ownership category (learn more).

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Competitive High-Yield Interest Rates

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No Account Fees

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Online & Mobile Banking Access

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Cashback Rewards on Debit Card Purchases

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No Opening Minimum Deposits

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FDIC Insured to Protect Your Money

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Our no-hassle dual rewards setup helps you get the most from every dollar.

These days, it's not hard to find a checking account that offers you rewards. However, many of the best alternatives make you choose between an account that pays you interest and one that rewards you with cash back. TAB Bank is on a mission to lift and empower your financial future with a single account that offers both cashback rewards and a competitive interest rate. So you can earn with every dollar you spend, and every dollar you save.

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Competitive Interest Rates

With a TAB Spend account, you'll enjoy competitive rates that help you grow your money, without sacrificing ease of access.

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Interest Builds Immediately

All you need to do is transfer or deposit funds into your high-yield TAB Spend account and begin to accumulate interest from day one.

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Optimal Account Security

Rest easy knowing your money and personal information are protected with end-to-end encryption and top security measures.

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Elevated Customer Care

With our extended customer service hours and specialists ready to handle your calls, you’re always in good hands.

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Great Rewards Are Just The Beginning.

There are more reasons to love

TAB Spend

than just its high APY and cashback rewards. To name a few:
  • Mastercard debit card for easy, secure payments in-store, online, and through your Apple Pay® or Google Pay™ digital wallet
  • No hidden or complex qualification requirements
  • No minimum opening balance
  • No account fees
  • Convenient online and mobile banking with features including: Electronic Check Deposit, Bill Pay, Card Alerts, and more
  • Surcharge-free withdrawals at MoneyPass ATMs nationwide
  • Automatic enrollment in eco-friendly e-statements

We've Got You Covered

No, you can earn both types of rewards from a single TAB Spend account. You will earn cash back on money you spend using your TAB Spend debit card, and will earn interest on the remaining money you keep in your TAB Spend account.

If you wish to earn even more interest on money you don't plan to use right away, you may open a TAB Save account at the same time you apply for TAB Spend. However, you are not required to open a TAB Save account in order to enjoy all the benefits of TAB Spend.

Your TAB Spend account balance is compounded daily to determine the amount of interest you earn. Accumulated interest is paid into your TAB Spend account once each month.

Every purchase you make using your TAB Spend Mastercard debit card will qualify for 1.00% cash back. Money transfers, peer-to-peer payments, and other non-purchase transactions may not qualify. Accumulated cash back rewards will be paid into your TAB Spend account once each month.

There are no fees to open, maintain, or use a TAB Spend account.

No, there is no minimum balance required to open or maintain a TAB Spend account. You must have at least $0.01 in your account to earn interest on the daily balance, but you will not be penalized or fined for having a balance of $0.00.

To open a TAB Spend account and start earning your rewards, simply click here to begin the TAB Spend online application. You will be asked to verify your product selection, provide your information, and review the associated agreements and disclosures for your new account.

Documentation