Axos Bank vs. Jenius Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Axos BankAxos ONE Feb 21, 2026 | Jenius BankJenius Savings Jan 9, 2026 |
|---|---|---|
| APY | 4.21% | 4.05% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.21% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | As of Jan 9, 2026, Jenius Bank is winding down its U.S. digital banking operations. As a result, no new applications for savings accounts or loans will be accepted. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking BundleDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsDaily CompoundingRate Changes Often |
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Axos Bank vs. Jenius Bank
Executive Summary
Axos Bank offers a competitive savings product with its Axos ONE, providing an APY of 4.21% when bundled with a checking account, which requires a direct deposit of $1,500 or qualifying monthly deposits of $5,000. Alternatively, the Summit Savings account offers a solid APY of 3.75% with no direct deposit requirement, making it a good option for those seeking simplicity. In contrast, Jenius Bank does not present any products for comparison. Therefore, Axos Bank stands out as the clear choice based on the available offerings.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (3.75%-4.21% vs 4.05%) on all balances
- ✓Higher rated iOS app (4.7 vs 4.0)
- ✓Higher rated Android app (4.6 vs 3.7)
- ✓Offers 2 different high-yield savings options
Why Jenius Bank?
No distinct advantages found vs Axos Bank.
— Key Feature Differences —
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE earns more on smaller deposits (approx. $421 vs $405/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1053 vs $1013/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Axos BankAxos Bank's Axos ONE pays a superior APY for customers who also open a checking account.
Best Mobile App Experience
Axos BankAxos Bank offers an iOS app rated 4.7 (vs. 4.0) and Android app rated 4.6 (vs. 3.7)
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $16 more interest on a $10,000 balance than Jenius Bank's Jenius Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
* Secure link to our partner
Non-sponsored link to official site
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Axos Bank vs. Jenius Bank Savings Calculator
You earn $16 more with Axos Bank than Jenius 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.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$421.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,421.00
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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $404 per year in interest.
Both Axos Bank and Jenius Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Axos Bank | Jenius Bank |
|---|---|---|
| APY | 4.21% Verified: 2/21/2026 ↘︎ 0.30%90d Change | 4.05% Verified: 1/9/2026 ↘︎ 0.15%90d Change |
| Product Name | Axos ONE | Jenius Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | None |
| Direct Deposit Req. | Not required, but is the easiest way to earn the highest APY. | None |
| Checking Bundle | Yes | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.21% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | As of Jan 9, 2026, Jenius Bank is winding down its U.S. digital banking operations. As a result, no new applications for savings accounts or loans will be accepted. |
| Next Steps | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at Jenius Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | Jenius Bank | ||
|---|---|---|---|---|
| Summit Savings | Axos ONE | High Yield Savings | Jenius Savings | |
Current APY | 3.75% | 4.21% | 0.61% | 4.05% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -4.2 | -4.8 | -0.0 | -2.8 |
Days Since Change | 29 | -22 | 352 | 52 |
12-Month High | 4.00% | 4.86% | 0.61% | 4.50% |
12-Month Low | 3.75% | 4.21% | 0.61% | 4.05% |
Adjustments / Mo | 0.09 | 0.43 | 0.00 | 0.17 |
Volatility Score | 0.031 | 0.043 | 0.000 | 0.030 |
How to read these metrics(Click to expand)
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Compare Axos Bank's APY of 4.21% with other banks
Compare Jenius Bank's APY of 4.05% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Jenius Bank vs Ally Bank | 3.20% | $0 |
| Jenius Bank vs American Express | 3.30% | $0 |
| Jenius Bank vs Bank of America | 0.01% | $100 |
| Jenius Bank vs Barclays | 3.85% | $0 |
| Jenius Bank vs Capital One | 3.30% | $0 |
| Jenius Bank vs Chase Bank | 0.01% | $0 |
| Jenius Bank vs Chime | 3.00% | $0 |
| Jenius Bank vs CIT Bank | 3.75% | $100 |
| Jenius Bank vs Citibank | 3.20% | $0 |
| Jenius Bank vs Discover Bank | 3.30% | $0 |
| Jenius Bank vs EverBank | 3.90% | $0 |
| Jenius Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Jenius Bank vs Newtek Bank | 4.20% | $0.01 |
| Jenius Bank vs Openbank | 4.09% | $500 |
| Jenius Bank vs Pibank | 4.60% | $0 |
| Jenius Bank vs SoFi Bank | 4.00% | $0 |
| Jenius Bank vs Synchrony Bank | 3.50% | $0 |
| Jenius Bank vs Varo Bank | 5.00% | $0 |
| Jenius Bank vs Wealthfront | 3.95% | $0 |
| Jenius Bank vs Wells Fargo | 0.05% | $25 |