Axos Bank vs. Vio Bank
Comparing Axos Bank and Vio Bank for high-yield savings: Axos Bank's Axos ONE pays 4.21% APY while Vio Bank's Online Savings Account pays 4.03% APY.
Note: Axos Bank requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Axos Bank pays $18 more than Vio Bank annually ($421 vs $403).
Choose Axos Bank if getting the best rate matters most, or you're an Android user. Choose Vio Bank if you want a no-strings-attached account.
Important Considerations
Axos Bank requires a checking account to unlock its top savings rate, while Vio Bank offers its savings account standalone.
| Metric | Axos BankAxos ONE Feb 21, 2026 | Vio BankOnline Savings Account Feb 21, 2026 |
|---|---|---|
| APY | 4.21% | 4.03% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$202 $10,000+$403 $25,000+$1,008 |
Min Deposit | $0 | $100 |
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. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking BundleDaily CompoundingRate Changes Often | FDIC InsuredLow MinimumsGreat iOS AppDaily 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.
Executive Summary
Axos Bank offers the Axos ONE savings account with a competitive APY of 4.21%, which is higher than Vio Bank's Online Savings Account at 4.03%. To qualify for the Axos ONE's top rate, customers must either set up a direct deposit of $1,500 and maintain an average daily balance of over $1,500 in their checking account, or have at least $5,000 in total monthly qualifying deposits. In contrast, Vio Bank's account has a minimum deposit of $100 but does not require direct deposit or bundling, making it simpler for customers. Both accounts are online-only and have no maintenance fees.
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 4.03%) on all balances
- ✓Higher rated Android app (4.6 vs 3.4)
- ✓Offers 2 different high-yield savings options
Why Vio 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 $403/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1053 vs $1008/yr).
Best for Simplicity
Vio BankVio Bank's Online Savings Account offers 4.03% 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.
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $18 more interest on a $10,000 balance than Vio Bank's Online Savings Account.
*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
Top Market Contenders
Axos Bank vs. Vio Bank Savings Calculator
You earn $18 more with Axos Bank than Vio 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
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$403.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,403.00
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 $402 per year in interest.
Both Axos Bank and Vio Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Axos Bank | Vio Bank |
|---|---|---|
| APY | 4.21% Verified: 2/21/2026 ↘︎ 0.30%90d Change | 4.03% Verified: 2/21/2026 ↘︎ 0.13%90d Change |
| Product Name | Axos ONE | Online Savings Account |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| 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. | - |
| Next Steps | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at Vio Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | Vio Bank | ||
|---|---|---|---|---|
| Summit Savings | Axos ONE | High Yield Savings | Online Savings Account | |
Current APY | 3.75% | 4.21% | 0.61% | 4.03% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -8.9 | -8.5 | 0.0 | -6.2 |
Days Since Change | 72 | 21 | 100 | 8 |
3-Month High | 4.00% | 4.51% | 0.61% | 4.21% |
3-Month Low | 3.75% | 4.21% | 0.61% | 4.02% |
Adjustments / Mo | 0.30 | 0.60 | 0.00 | 1.20 |
Volatility Score | 0.029 | 0.022 | 0.000 | 0.016 |
How to read these metrics(Click to expand)
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Compare Axos Bank's APY of 4.21% with other banks
Compare Vio Bank's APY of 4.03% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Vio Bank vs Ally Bank | 3.20% | $0 |
| Vio Bank vs American Express | 3.30% | $0 |
| Vio Bank vs Bank of America | 0.01% | $100 |
| Vio Bank vs Barclays | 3.85% | $0 |
| Vio Bank vs Capital One | 3.30% | $0 |
| Vio Bank vs Chase Bank | 0.01% | $0 |
| Vio Bank vs Chime | 3.00% | $0 |
| Vio Bank vs CIT Bank | 3.75% | $100 |
| Vio Bank vs Citibank | 3.20% | $0 |
| Vio Bank vs Discover Bank | 3.30% | $0 |
| Vio Bank vs EverBank | 3.90% | $0 |
| Vio Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Vio Bank vs Newtek Bank | 4.20% | $0.01 |
| Vio Bank vs Openbank | 4.09% | $500 |
| Vio Bank vs Pibank | 4.60% | $0 |
| Vio Bank vs SoFi Bank | 4.00% | $0 |
| Vio Bank vs Synchrony Bank | 3.50% | $0 |
| Vio Bank vs Varo Bank | 5.00% | $0 |
| Vio Bank vs Wealthfront | 3.95% | $0 |
| Vio Bank vs Wells Fargo | 0.05% | $25 |