Ally Bank vs. Jenius Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Ally BankSavings Account Jan 7, 2026 | Jenius BankJenius Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.30% | 4.05% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo Minimums |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Ally Bank vs. Jenius Bank
As of Ally Bank offers an APY of 3.30% for its Savings Account, with a minimum balance of $0, compared to Jenius Bank's 4.05% APY for its Jenius Savings account, with a minimum balance of $0.
Jenius Bank pays $75 more than Ally Bank on a $10,000 balance after one year. Ally Bank pays $330, while Jenius Bank pays $405 - an APY advantage for Jenius Bank.
Why Ally Bank?
- ✓Higher rated iOS app (4.7 vs 4.0)
- ✓Higher rated Android app (4.4 vs 3.6)
- ✓Fast transfers via Zelle® (up to $5,000 a day)
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.30%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $330/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $825/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Ally BankAlly Bank offers an iOS app rated 4.7 (vs. 4.0) and Android app rated 4.4 (vs. 3.6)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $75 more interest on a $10,000 balance than Ally Bank's Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Jenius Bank offers a competitive Jenius Savings account with a notable APY of 4.05%, making it the winner in this comparison. This account requires no minimum deposit or balance, and there are no maintenance fees, providing straightforward access to savings. In contrast, Ally Bank's Savings Account features a lower APY of 3.30% and also has no minimum deposit or balance requirements, but it does not match the returns of Jenius Bank. Both banks are online-only and do not require direct deposit, appealing to customers seeking simplicity in their savings options.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Ally Bank vs. Jenius Bank Savings Calculator
You earn $75 more with Jenius Bank than Ally Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Ally Bank
Savings Account
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Ally Bank | Jenius Bank |
|---|---|---|
| APY | 3.30% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | Savings Account | Jenius Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.4 | iOS4.0 Android3.6 |
| Zelle® Support | Available Limit: $5,000/dayBenchmark for online Zelle; high limits. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Ally Bank Non-sponsored link to official site | Visit SiteVerify at Jenius Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Ally Bank | Jenius Bank |
|---|---|---|
| Savings Account | Jenius Savings | |
Current APY | 3.30% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.2 | -2.7 |
Days Since Change | 68 | 50 |
11-Month High | 3.80% | 4.50% |
11-Month Low | 3.30% | 4.05% |
Adjustments / Mo | 0.44 | 0.17 |
Volatility Score | 0.043 | 0.029 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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