In this guide

  • Our verdict
  • Your reviews
  • Ask an expert
Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure
Sable Debit Card
Finder score
$0 per month
Minimum deposit to open

Our verdict

Earn cashback rewards, but you can’t deposit checks.

Sable Debit Card has a few nice features, including purchase protection, cashback rewards and free international transfers. Plus, there’s no monthly maintenance fee or opening deposit requirement.

But you can only earn a yearly maximum of $300 in cash back. That’s only $25 per month. In contrast, Axos Bank CashBack Checking account lets you earn up to $2,000 monthly in cash back.

Also, you can’t deposit checks or withdraw cash from ATMs without the risk of potentially paying fees set by the ATM owner. If those drawbacks aren’t dealbreakers for you, apply for an account today. Otherwise, explore other rewards checking accounts for more features and fewer limitations.


  • Few fees
  • Cashback rewards
  • Purchase protection
  • Travel concierge
  • Discounted international transfers
  • Optional credit card


  • No mobile deposits
  • Can’t write checks
  • Can’t withdraw cash for free

In this guide

  • Our verdict
  • Your reviews
  • Ask an expert

How do I open a Sable Bank account?

It only takes a few minutes to apply for a Sable Debit Card.

  1. Go to the provider’s site and follow the steps to apply.
  2. Select Products, then Bank account & debit card.
  3. Select or tap the Get started button, then select Get started again on the following screen.
  4. Enter your name and email address, create a password, confirm that you’re not a robot and select Next.
  5. Check your inbox for a confirmation email, then choose or tap the link to verify your address.
  6. Continue the application process by providing your personal information and linking a funding source.


You don’t need to be a US citizen to open a Sable Bank account, but you must meet certain eligibility criteria to qualify.

  • At least 18 years of age
  • US residential mailing address

Required information

Provide the following documents and details when opening a Sable Bank account.

  • Full name
  • Email address
  • Physical address
  • Social Security number if you’re a US citizen
  • Passport and US visa or I-94 record of your entry into the US if you’re not a US citizen

6 benefits of Sable Bank‘s checking account

The Sable Bank account and debit card have some attractive features that might entice you to apply.

  • Few fees. Sable Bank doesn’t charge monthly, overdraft or foreign transaction fees. There’s also no minimum opening deposit requirement.
  • Cashback rewards. Earn 1% cashback — up to $300 per year — on purchases from Amazon, Hulu, Netflix, Spotify, Uber and Whole Foods.
  • Purchase protection. Sable Bank offers extended warranties, a satisfaction guarantee and zero liability on fraudulent purchases.
  • Travel concierge. Sable Bank offers Mastercard Travel Concierge services, which can provide replacement cards, cash advances and travel assistance if you run into trouble while traveling.
  • Discounted international transfers. Sable Bank offers reduced-price international money transfers thanks to its partnership with Wise, a financial platform that specializes in multicurrency accounts.
  • Optional credit card. Sable Bank also offers an optional secured credit card to use alongside your debit card. You won’t get a credit check and it offers car rental insurance, cell phone protection and up to 2% cash back on qualifying purchases.

3 things to look out for

Although Sable Bank‘s debit card has several benefits, there are also some disadvantages to bear in mind before applying.

  • No mobile deposits. Sable Bank‘s app doesn’t offer mobile deposits, so there’s no way to deposit a check into this account.
  • Can’t write checks. Sable Bank‘s banking account works like a standard checking account, but it doesn’t let you write checks.
  • Can’t withdraw cash for free. Sable Bank doesn’t charge a fee for ATM withdrawals, but it doesn’t have a partnership with any ATM networks. This means you may pay ATM owner fees when withdrawing cash from your account.

Sable Bank‘s ATM network and fees

Sable Bank doesn’t have its own ATM network or partner with any existing networks, but you can use your ATM card at any machine that accepts Mastercard. Sable Bank doesn’t charge any fees for using ATMs, but ATM owners typically charge fees ranging from $2 to $5 per transaction.

Sable Bank‘s reviews and complaints

Sable Bank isn’t accredited by the Better Business Bureau (BBB), and it doesn’t have a rating. However, one customer filed a complaint against Sable Bank on the BBB’s website, but it was successfully resolved. On Trustpilot, Sable Bank has six customer reviews with an average rating of 3.7 out of 5.

Of those six reviews, only one is negative, and it’s because Sable Bank rejected the individual’s application. The other five positive reviews praise the company for its customer service and accessibility for immigrants.

Compare Sable Bank with other checking accounts

See how other accounts stack up based on their fees and features.

Name Product Fee Minimum deposit to open Annual Percentage Yield (APY) Offer
Cash Card by Cash App
Finder Rating: 4.4 / 5: ★★★★★
Cash Card by Cash App
$0 per month
The Cash App Cash Card lets you pay for goods and services both online and in stores using your Cash App balance. Enjoy features like ATM access, direct deposit, instant discounts at select stores and a customizable card.
Finder Rating: 4.8 / 5: ★★★★★
From $0 per month
4.25% on balances of $0+
3.25% on balances of $0+
Get a $10 cash reward when you first use you card on a qualifying $1+ transaction.
Revolut is a global fintech that offers up to 40% off international transfers.
SoFi Checking and Savings
Finder Rating: 4.5 / 5: ★★★★★
SoFi Checking and Savings
$0 per month
4.60% on balances of $0+
0.50% on balances of $0+
1.20% on balances of $0+
Get up to $300 cash bonus with qualifying direct deposit. Terms apply. This offer is available until June 30, 2024.
Earn up to 4.60% APY on savings by meeting deposit requirements, and 0.50% APY on checking balances. Members without deposit requirements will earn 0.50% APY on both savings and checking balances. Turn on automatic savings or use the Roundups feature to help you reach your savings goals faster. Get up to $2M of additional FDIC insurance through a network of participating banks.
Finder Rating: 4.3 / 5: ★★★★★
From $1 per month
(can be waived)
This digital-only deposit account features overdraft protection, interest-free cash advances and no minimum balance.
Finder Rating: 4.7 / 5: ★★★★★
$0 per month
5.00% on balances of $0 to $250,000
1.00% on balances of $250,000.01+
A no monthly fee checking account that earns up to 5.00% APY and offers cashback, direct deposit and overdraft protection. See details below.

How do I deposit or withdraw my money?

Sable Bank doesn’t offer mobile check deposits via its app, but you can move money into and out of your account using the following methods.

Deposit options

  • Incoming ACH transfer. Transfer funds from a linked bank using routing and account numbers.
  • Incoming wire transfer. Many banks accept incoming domestic wires for free, but Sable Bank charges $3 per transfer. It also charges $15 for incoming international transfers.
  • Direct deposit. Your employer can deposit your paycheck directly into your Sable Bank account.
  • Partner locations. Deposit cash into your account at participating merchants, including CVS, Kroger, Rite Aid and Walmart. Sable Bank doesn’t charge a fee for this, but the retailers generally do.
  • International transfers via Wise. Receive money from international sources instantly and for free, thanks to Sable Bank‘s partnership with Wise, formerly known as TransferWise.
  • Other payment networks. Like most bank accounts, your Sable Bank account can receive and accept transfers via PayPal, Venmo and Zelle.

Withdrawal options

  • Outgoing ACH transfer. Transfer funds from a linked bank using routing and account numbers.
  • Outgoing wire transfers. Sable Bank charges $5 for outgoing domestic wire transfers, which is less than what many banks charge. However, Sable Bank doesn’t support outgoing international wire transfers.
  • ATM withdrawals. Withdraw cash from any ATM that accepts Mastercard.
  • International transfers via Wise. Instantly send money internationally for less via Wise.

How to contact Sable Bank customer service

If you have questions or need help with your Sable Bank account, you can contact a support specialist in the following ways.

  • Call 833-583-8383 on weekdays from 9 a.m. to 8 p.m. ET, excluding federal holidays.
  • Chat with a live representative via Sable Bank‘s website during the above hours.
  • Send an email to
  • Send mail to 1411 Broadway, 16th Floor, New York, NY 10018.

Checking account ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.

Read the full methodology of how we rate checking accounts.

Your reviews

No reviews yet. Write a review

Ask an expert

Ask a question

Michael Finder

Staff writer

Hi there, looking for more information? Ask us a question.

Error label

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Accept and continue

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.

Go to site