I do not use test banks. At most, I might take a peek just to get inspiration about a different general topic. For example, if I'm stuck writing questions about contracts for auto sales, I might use a test bank to remind me that contracts for cleaning services or produce is another good topic for a test. But I will not use the substance of the bank's question. Why? I have rarely found test bank questions to be appropriately drafted to adequately test knowledge ***and application*** of the materials. Banks have too many multiple-guess questions and too many short answer questions that don't require sufficient application of knowledge. I like using CATs, especially daily quizzes covering material from the previous class. This seems to keep students reviewing materials. Not only do I get feedback on my performance, but it seems to help the students prepare for the unit tests. In my classes, the daily graded quizzes are less about the grade and more about review and repetition of the materials. However, between group work, CATs, and regular tests, I find I'm losing time for new substance. It's very frustrating at times.