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Sable Bank account review

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

finder.com’s rating: 4.7 / 5.0

★★★★★

Sable Debit Card has few fees and offers several benefits, including cashback rewards and purchase protection. But you can’t deposit checks.

$0 per month

Fee

N/A

APY

$0

Minimum deposit to open

Details

APYN/A
Fee$0 per month
Minimum deposit to open$0
ATMsZero-fee ATM withdrawals
ATM transaction fee$0
Out-of-network ATM fee$0 Zero-fee ATM Withdrawals
Foreign transaction fee0%
Overdraft fee$0

Review by


Michael Benninger is a staff banking writer at Finder. He is a former credit analyst and longtime freelancer whose articles have been published by Intuit, Business Insider and the Los Angeles Times. Michael is passionate about all facets of personal finance and has written hundreds of articles about money management during the past decade.

Expert review

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.

How do I open a Sable Bank account?

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

  1. Click Apply now.
  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.

Eligibility

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 APY Minimum deposit to open ATMs Out-of-network ATM fee
Aspiration Spend & Save Account
Finder Rating: 4.2 / 5: ★★★★★
Aspiration Spend & Save Account
5.00% on balances of $0 to $10,000
$10
55,000 free in-network ATMs
$0
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards and a $100 bonus when you spend $1,000 in your first 60 days.
Douugh
Finder Rating: 4 / 5: ★★★★★
Douugh
N/A
$0
more than 38,000 ATMs in the MoneyPass ATM network
The Douugh app is an AI assistant focused on your finances.
Chase First Banking℠
Finder Rating: 4.3 / 5: ★★★★★
Chase First Banking℠
N/A
$0
16,000 ATMs nationwide
$2.50
A debit card for teens and kids with a set of digital tools to help them learn good money habits in the Chase Mobile app. Requires parent to have or open a Chase checking account.
Chase Secure Banking℠
Finder Rating: 4.2 / 5: ★★★★★
Chase Secure Banking℠
N/A
$0
Access to 16,000 ATMs and more than 4,700 branches nationwide
$2.50
Chase Secure Banking offers no overdraft services
OnJuno
Finder Rating: 4.8 / 5: ★★★★★
OnJuno
1.20% on balances of $0 to $50,000
0.25% on balances of $50,000.01+
$0
More than 85,000 ATMs nationwide
$0
A free account for crypto and cash that earns a 1.2% bonus rate plus 5% cashback on purchases from participating retailers.
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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 help@sablecard.com.
  • 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.

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