"Break My Bank" features an electronic "sugary" beat with synths and strings.[1] The song features Iyaz singing reggae-rhythmed hook, as New Boyz deliver their lines in a "sing-song" style over an electronic beat and pop hooks.[2] The lyrics refer to them "emptying their wallets to keep the attention of their desired girlfriends," through lines such as, "Had to scrape for some change / So I went to the bank / When I see her she was so damn fine like that / So I hit it right back pull out more stacks / She make me wanna break my bank."[2]