High-Yield Savings Account Comparison

Ally Bank vs. Presidential Bank

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 Freq	Daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 57803)
Eligibility	United States
Mobile Ratings	iOS:4.7 Android:4.4
BBB Rating	A+(Not BBB Accredited)

Rate Stability

Rate Adjusted

-0.20%

Since 90 days ago

Read Bank Overview

Presidential Bank

Advantage Savings

Up to

4.00%

APY

Dec 6, 2025

FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person Access

Range: 3.50% – 4.00%

Show Fine Print & Trends

Min. Deposit	$5,000
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	Monthly
Direct Deposit	Required (To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.)
Branch Access	10 locations in Maryland, Virginia and Washington D.C.
Deposit Insurance	FDIC Insured(Cert: 32363)
Eligibility	United States
Mobile Ratings	iOS:4.8 Android:4.1
BBB Rating	A-(Not BBB Accredited)

Rate Stability

30 days

↘︎ 0.25%

90 days

↘︎ 0.50%

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. Presidential Bank

Updated: Dec 6, 2025

Why Ally Bank?

✓No checking account or direct deposit required

Why Presidential Bank?

✓Higher potential APY (4.00% vs 3.30%) on all balances
✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)

— Key Feature Differences —

Better Returns at $10,000

Presidential Bank

Presidential Bank's Advantage Savings earns more on smaller deposits (approx. $400 vs $330/yr).

Better Returns at $25,000

Presidential Bank

Presidential Bank's Advantage Savings pulls ahead with larger amounts (approx. $1000 vs $825/yr).

Best for Simplicity

Ally Bank

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

Best for All-in-One Banking

Presidential Bank

Presidential Bank's Advantage Savings pays a superior APY for customers who also open a checking account.

Shared Benefits

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

The Bottom Line

Over a 1-year period, Presidential Bank's Advantage Savings pays $70 more interest on a $10,000 balance than Ally Bank's Savings Account.

Ally BankPresidential Bank

Automated Data Audit

Executive Summary

Presidential Bank offers a superior Advantage Savings account with an APY of 4.00%, which requires a monthly direct deposit of $500 into an Advantage Checking Account and a minimum deposit of $5,000. In contrast, Ally Bank provides a Savings Account with a competitive APY of 3.30%, with no direct deposit requirement and no minimum balance, making it a straightforward option for savers. Both accounts are FDIC insured, but Presidential Bank's product may yield better returns for those willing to meet the direct deposit condition, while Ally Bank's account is ideal for those seeking simplicity without additional requirements.

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 Bank ExplorePresidential Bank

Top Market Contenders

See who beats both Ally Bank and Presidential Bank.

Compare All High-Yield Savings Accounts

Pibank

Pibank Savings

FDIC InsuredNo Minimums

4.60% APY

+0.60% vs Presidential Bank

Better Rate

Pibank vs Ally Bank Pibank vs Presidential Bank

Neighbors Bank

Neighbors Savings Account

FDIC InsuredNo MinimumsGreat Android App

4.50% APY

+0.50% vs Presidential Bank

Better Rate

Neighbors Bank vs Ally Bank Neighbors Bank vs Presidential Bank

Axos Bank

Axos ONE

FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

4.31% APY

+0.31% vs Presidential Bank

Better Rate

Axos Bank vs Ally Bank Axos Bank vs Presidential Bank

Feature	Ally Bank	Presidential Bank
APY	3.30% Verified: 12/6/2025 ↘︎ 0.20%90d Change	4.00% Range: 3.50% - 4.00% Verified: 12/6/2025 ↘︎ 0.50%90d Change
Product Name	Savings Account	Advantage Savings
Minimum Deposit	$0	$5,000
Min. Balance for APY	$0	N/A
Monthly Fee	$0	$0
Branch Access	None	Yes
Account Type	Online Only	Online & Branches
Direct Deposit Req.	None	RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
Checking Bundle	No	Yes
Mobile Apps	iOS4.7 Android4.4	iOS4.8 Android4.1
BBB Rating	A+	A-
Next Steps	- View Details	- View Details

Savings Comparison

Calculations based on current APY.

Initial Deposit

Recurring Deposit

Frequency

Duration

Presidential Bank earns $447.6 more than Ally Bank.

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

Presidential Bank

Advantage Savings

4.00% APY

Savings Breakdown

Interest Earned
+$2,434.70(11.9%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,434.70

Effective APY

4.00%

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 10 Months Analysis

Metric	Ally Bank	Presidential Bank
	Savings Account	Advantage Savings
Current APYMost recent advertised annual-percentage yield.	3.30%	4.00%
TrendDirection over the last 10 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	-4.3	-2.4
Days Since ChangeRecency of the latest APY adjustment.	36	15
10-Month HighHighest APY in the last 312 days.	3.80%	4.50%
10-Month LowLowest APY in the last 312 days.	3.30%	4.00%
Adjustments / MoTypical number of APY moves per month.	0.48	0.19
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.039	0.031

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 312-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 Alternatives

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Comparing against Standard Savings

Neighbors BankNo Bundle Req

Compare Presidential Bank vs...

Comparing against other Bundled Accounts

vs Presidential Bank

Axos BankChecking Bundle

4.31%

APY

vs Presidential Bank

SoFi BankChecking Bundle

4.30%

APY

vs Presidential Bank

UFB DirectChecking Bundle

3.71%

APY

More Comparisons

Compare Ally Bank's APY of 3.30% with other banks

Bank Pair	Competitor APY	Min Deposit
Ally Bank vs American Express	3.40%	$0
Ally Bank vs Axos Bank	4.31%	$0
Ally Bank vs Bank of America	0.01%	$100
Ally Bank vs Barclays	4.00%	$0
Ally Bank vs Bask Bank	3.90%	$0
Ally Bank vs BMO Alto	3.25%	$0
Ally Bank vs BrioDirect	4.00%	$5,000
Ally Bank vs Capital One	3.40%	$0
Ally Bank vs Chase Bank	0.01%	$0
Ally Bank vs Chime	3.50%	$0
Ally Bank vs CIT Bank	3.75%	$100
Ally Bank vs Citibank	3.30%	$0
Ally Bank vs Citizens Access™	3.35%	$0.01
Ally Bank vs Climate First Bank	4.21%	$50
Ally Bank vs Discover Bank	3.40%	$0
Ally Bank vs Elevault	4.08%	$0
Ally Bank vs EverBank	4.05%	$0
Ally Bank vs Fitness Bank	4.75%	$100
Ally Bank vs FNBO Direct	3.00%	$1
Ally Bank vs Forbright Bank	4.00%	$0
Ally Bank vs FVCbank	3.85%	$500
Ally Bank vs GO2bank	4.50%	$0
Ally Bank vs Ivy Bank	4.25%	$2,500
Ally Bank vs LendingClub	4.20%	$0
Ally Bank vs Marcus by Goldman Sachs	3.65%	$0
Ally Bank vs Neighbors Bank	4.50%	$0
Ally Bank vs Newtek Bank	4.35%	$0.01
Ally Bank vs Openbank	4.20%	$500
Ally Bank vs Peak Bank	4.20%	$100
Ally Bank vs Pibank	4.60%	$0
Ally Bank vs PNC	3.53%	$0
Ally Bank vs Quontic Bank	3.75%	$100
Ally Bank vs Salem Five Direct	3.71%	$10
Ally Bank vs Santander Bank	0.01%	$25
Ally Bank vs SoFi Bank	4.30%	$0
Ally Bank vs Synchrony Bank	3.65%	$0
Ally Bank vs TIMBR	4.40%	$1,000
Ally Bank vs UFB Direct	3.71%	$5000
Ally Bank vs Valley Direct	4.10%	$1,000
Ally Bank vs Varo Bank	5.00%	$0
Ally Bank vs Vio Bank	4.16%	$100
Ally Bank vs Wealthfront	4.15%	$0
Ally Bank vs Wells Fargo	0.05%	$25
Ally Bank vs Zynlo Bank	4.05%	$10

Compare Presidential Bank's APY of 4.00% with other banks

Bank Pair	Competitor APY	Min Deposit
Presidential Bank vs American Express	3.40%	$0
Presidential Bank vs Axos Bank	4.31%	$0
Presidential Bank vs Bank of America	0.01%	$100
Presidential Bank vs Barclays	4.00%	$0
Presidential Bank vs Bask Bank	3.90%	$0
Presidential Bank vs BMO Alto	3.25%	$0
Presidential Bank vs BrioDirect	4.00%	$5,000
Presidential Bank vs Capital One	3.40%	$0
Presidential Bank vs Chase Bank	0.01%	$0
Presidential Bank vs Chime	3.50%	$0
Presidential Bank vs CIT Bank	3.75%	$100
Presidential Bank vs Citibank	3.30%	$0
Presidential Bank vs Citizens Access™	3.35%	$0.01
Presidential Bank vs Climate First Bank	4.21%	$50
Presidential Bank vs Discover Bank	3.40%	$0
Presidential Bank vs Elevault	4.08%	$0
Presidential Bank vs EverBank	4.05%	$0
Presidential Bank vs Fitness Bank	4.75%	$100
Presidential Bank vs FNBO Direct	3.00%	$1
Presidential Bank vs Forbright Bank	4.00%	$0
Presidential Bank vs FVCbank	3.85%	$500
Presidential Bank vs GO2bank	4.50%	$0
Presidential Bank vs Ivy Bank	4.25%	$2,500
Presidential Bank vs LendingClub	4.20%	$0
Presidential Bank vs Marcus by Goldman Sachs	3.65%	$0
Presidential Bank vs Neighbors Bank	4.50%	$0
Presidential Bank vs Newtek Bank	4.35%	$0.01
Presidential Bank vs Openbank	4.20%	$500
Presidential Bank vs Peak Bank	4.20%	$100
Presidential Bank vs Pibank	4.60%	$0
Presidential Bank vs PNC	3.53%	$0
Presidential Bank vs Quontic Bank	3.75%	$100
Presidential Bank vs Salem Five Direct	3.71%	$10
Presidential Bank vs Santander Bank	0.01%	$25
Presidential Bank vs SoFi Bank	4.30%	$0
Presidential Bank vs Synchrony Bank	3.65%	$0
Presidential Bank vs TIMBR	4.40%	$1,000
Presidential Bank vs UFB Direct	3.71%	$5000
Presidential Bank vs Valley Direct	4.10%	$1,000
Presidential Bank vs Varo Bank	5.00%	$0
Presidential Bank vs Vio Bank	4.16%	$100
Presidential Bank vs Wealthfront	4.15%	$0
Presidential Bank vs Wells Fargo	0.05%	$25
Presidential Bank vs Zynlo Bank	4.05%	$10