High-Yield Savings Account Comparison

Ally Bank vs. FNBO Direct

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

Ally Bank

Savings Account

3.30%
APY
Dec 6, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57803)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.4
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.20%
Since 90 days ago
Read Bank Overview

FNBO Direct

High-Yield Online Savings Account

3.00%
APY
Dec 6, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0.01
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5452)
EligibilityUnited States
Mobile Ratings
iOS:4.5Android:4.8
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

Comparison Analysis

Comparing Ally Bank vs. FNBO Direct

Updated: Dec 6, 2025

Why Ally Bank?

  • ✓Higher potential APY (3.30% vs 3.00%) on all balances

Why FNBO Direct?

  • ✓Higher rated Android app (4.8 vs 4.4)

— Key Feature Differences —

Better Returns at $10,000
Ally Bank

Ally Bank's Savings Account earns more on smaller deposits (approx. $330 vs $300/yr).

Better Returns at $25,000
Ally Bank

Ally Bank's Savings Account pulls ahead with larger amounts (approx. $825 vs $750/yr).

Best for Simplicity
Ally Bank

Ally Bank's Savings Account offers 3.30% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
Ally Bank

Ally Bank offers an iOS app rated 4.7 (vs. 4.5) and Android app rated 4.4 (vs. 4.8)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, Ally Bank's Savings Account pays $30 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.

FNBO DirectAlly Bank
Automated Data Audit

Executive Summary

Ally Bank offers a competitive Savings Account with a 3.30% APY, providing better returns on both small and large deposits without any direct deposit requirements or maintenance fees. This account is online-only and requires no minimum deposit, making it accessible for all customers. In comparison, FNBO Direct's High-Yield Online Savings Account yields a slightly lower 3.00% APY, also with no maintenance fees and a low minimum deposit of $1. While both accounts are online-only, Ally Bank stands out as the winner due to its higher APY.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExploreAlly BankExploreFNBO Direct

Stop Losing Interest

See who beats both Ally Bank and FNBO Direct.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+1.30% vs Ally Bank
Better Rate
Pibank vs Ally BankPibank vs FNBO Direct
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+1.20% vs Ally Bank
Better Rate
Neighbors Bank vs Ally BankNeighbors Bank vs FNBO Direct
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+1.01% vs Ally Bank
Better Rate
Axos Bank vs Ally BankAxos Bank vs FNBO Direct
FeatureAlly BankFNBO Direct
APY
3.30%
Verified: 12/6/2025
↘︎ 0.20%90d Change
3.00%
Verified: 12/6/2025
↘︎ 0.25%90d Change
Product NameSavings AccountHigh-Yield Online Savings Account
Minimum Deposit$0$1
Min. Balance for APY$0$0.01
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.7
Android4.4
iOS4.5
Android4.8
BBB RatingA+A+
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

Ally Bank earns $188.9 more than FNBO Direct.

Ally Bank

Savings Account

3.30% APY

Savings Breakdown

  • Interest Earned
    +$1,987.10(9.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,987.10

Effective APY
3.30%
View Details

FNBO Direct

High-Yield Online Savings Account

3.00% APY

Savings Breakdown

  • Interest Earned
    +$1,798.20(9.1%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,798.20

Effective APY
3.00%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 4 Months Analysis
MetricAlly BankFNBO Direct
Savings AccountHigh-Yield Online Savings Account
Current APY
3.30%3.00%
Trend
 Stable Stable
Velocity (bps/mo)
-6.1-8.3
Days Since Change
3664
4-Month High
3.50%3.25%
4-Month Low
3.30%3.00%
Adjustments / Mo
0.440.22
Volatility Score
0.0250.040
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 135-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar High-Yield Accounts

Compare Ally Bank vs...

Comparing against Standard Savings

vs Ally Bank
PibankNo Bundle Req
4.60%
APY
vs Ally Bank
Neighbors BankNo Bundle Req
4.50%
APY
vs Ally Bank
TIMBRNo Bundle Req
4.40%
APY

Compare FNBO Direct vs...

Comparing against Standard Savings

vs FNBO Direct
PibankNo Bundle Req
4.60%
APY
vs FNBO Direct
Neighbors BankNo Bundle Req
4.50%
APY
vs FNBO Direct
TIMBRNo Bundle Req
4.40%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare Ally Bank's APY of 3.30% with other banks
Bank PairCompetitor APYMin Deposit
Ally Bank vs American Express3.40%$0
Ally Bank vs Axos Bank4.31%$0
Ally Bank vs Bank of America0.01%$100
Ally Bank vs Barclays4.00%$0
Ally Bank vs Bask Bank3.90%$0
Ally Bank vs BMO Alto3.25%$0
Ally Bank vs BrioDirect4.00%$5,000
Ally Bank vs Capital One3.40%$0
Ally Bank vs Chase Bank0.01%$0
Ally Bank vs Chime3.50%$0
Ally Bank vs CIT Bank3.75%$100
Ally Bank vs Citibank3.30%$0
Ally Bank vs Citizens Access™3.35%$0.01
Ally Bank vs Climate First Bank4.21%$50
Ally Bank vs Discover Bank3.40%$0
Ally Bank vs Elevault4.08%$0
Ally Bank vs EverBank4.05%$0
Ally Bank vs Fitness Bank4.75%$100
Ally Bank vs Forbright Bank4.00%$0
Ally Bank vs FVCbank3.85%$500
Ally Bank vs GO2bank4.50%$0
Ally Bank vs Ivy Bank4.25%$2,500
Ally Bank vs LendingClub4.20%$0
Ally Bank vs Marcus by Goldman Sachs3.65%$0
Ally Bank vs Neighbors Bank4.50%$0
Ally Bank vs Newtek Bank4.35%$0.01
Ally Bank vs Openbank4.20%$500
Ally Bank vs Peak Bank4.20%$100
Ally Bank vs Pibank4.60%$0
Ally Bank vs PNC3.53%$0
Ally Bank vs Presidential Bank4.00%$5,000
Ally Bank vs Quontic Bank3.75%$100
Ally Bank vs Salem Five Direct3.71%$10
Ally Bank vs Santander Bank0.01%$25
Ally Bank vs SoFi Bank4.30%$0
Ally Bank vs Synchrony Bank3.65%$0
Ally Bank vs TIMBR4.40%$1,000
Ally Bank vs UFB Direct3.71%$5000
Ally Bank vs Valley Direct4.10%$1,000
Ally Bank vs Varo Bank5.00%$0
Ally Bank vs Vio Bank4.16%$100
Ally Bank vs Wealthfront4.15%$0
Ally Bank vs Wells Fargo0.05%$25
Ally Bank vs Zynlo Bank4.05%$10
Compare FNBO Direct's APY of 3.00% with other banks
Bank PairCompetitor APYMin Deposit
FNBO Direct vs American Express3.40%$0
FNBO Direct vs Axos Bank4.31%$0
FNBO Direct vs Bank of America0.01%$100
FNBO Direct vs Barclays4.00%$0
FNBO Direct vs Bask Bank3.90%$0
FNBO Direct vs BMO Alto3.25%$0
FNBO Direct vs BrioDirect4.00%$5,000
FNBO Direct vs Capital One3.40%$0
FNBO Direct vs Chase Bank0.01%$0
FNBO Direct vs Chime3.50%$0
FNBO Direct vs CIT Bank3.75%$100
FNBO Direct vs Citibank3.30%$0
FNBO Direct vs Citizens Access™3.35%$0.01
FNBO Direct vs Climate First Bank4.21%$50
FNBO Direct vs Discover Bank3.40%$0
FNBO Direct vs Elevault4.08%$0
FNBO Direct vs EverBank4.05%$0
FNBO Direct vs Fitness Bank4.75%$100
FNBO Direct vs Forbright Bank4.00%$0
FNBO Direct vs FVCbank3.85%$500
FNBO Direct vs GO2bank4.50%$0
FNBO Direct vs Ivy Bank4.25%$2,500
FNBO Direct vs LendingClub4.20%$0
FNBO Direct vs Marcus by Goldman Sachs3.65%$0
FNBO Direct vs Neighbors Bank4.50%$0
FNBO Direct vs Newtek Bank4.35%$0.01
FNBO Direct vs Openbank4.20%$500
FNBO Direct vs Peak Bank4.20%$100
FNBO Direct vs Pibank4.60%$0
FNBO Direct vs PNC3.53%$0
FNBO Direct vs Presidential Bank4.00%$5,000
FNBO Direct vs Quontic Bank3.75%$100
FNBO Direct vs Salem Five Direct3.71%$10
FNBO Direct vs Santander Bank0.01%$25
FNBO Direct vs SoFi Bank4.30%$0
FNBO Direct vs Synchrony Bank3.65%$0
FNBO Direct vs TIMBR4.40%$1,000
FNBO Direct vs UFB Direct3.71%$5000
FNBO Direct vs Valley Direct4.10%$1,000
FNBO Direct vs Varo Bank5.00%$0
FNBO Direct vs Vio Bank4.16%$100
FNBO Direct vs Wealthfront4.15%$0
FNBO Direct vs Wells Fargo0.05%$25
FNBO Direct vs Zynlo Bank4.05%$10