Bank of America vs. BrioDirect
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Bank of AmericaAdvantage Savings Jan 21, 2026 | BrioDirectHigh-Yield Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 0.01% | 3.75% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$188 $10,000+$375 $25,000+$938 |
Min Deposit | $100 | $5,000 |
Snapshot view. Rates subject to change. | ||
Terms | APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc. | - |
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Bank of America vs. BrioDirect
As of Bank of America offers an APY of 0.01% for its Advantage Savings account, with a minimum balance of , compared to BrioDirect's 3.75% APY for its High-Yield Savings Account, with a minimum balance of $25.
BrioDirect pays $374 more than Bank of America on a $10,000 balance after one year. Bank of America pays $1, while BrioDirect pays $375 - an APY advantage for BrioDirect.
Why Bank of America?
No distinct advantages found vs BrioDirect.
Why BrioDirect?
- ✓Higher potential APY (3.75% vs 0.01%)
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
BrioDirectBrioDirect's High-Yield Savings Account earns more on smaller deposits (approx. $375 vs $1/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $938 vs $3/yr).
Best for Simplicity
BrioDirectBrioDirect's High-Yield Savings Account offers 3.75% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Bank of AmericaBank of America offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.6 (vs. 4.4)
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $374 more interest on a $10,000 balance than Bank of America's Advantage Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
BrioDirect offers a High-Yield Savings Account with a competitive APY of 3.75%, significantly higher than Bank of America's Advantage Savings, which provides only 0.01% APY. BrioDirect's account requires a minimum deposit of $5,000 and has no maintenance fees, making it an attractive option for savers looking for better returns without additional conditions. In contrast, Bank of America charges an $8 monthly fee, which can be waived under certain circumstances. While Bank of America is not online-only and boasts a highly rated mobile app experience, BrioDirect stands out for its simplicity and higher yield, appealing to those who prioritize returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
Bank of America vs. BrioDirect Savings Calculator
You earn $374 more with BrioDirect than Bank of America 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.
Bank of America
Advantage Savings
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
BrioDirect
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Bank of America | BrioDirect |
|---|---|---|
| APY | 0.01% Verified: 1/21/2026 Stable (90d) | 3.75% Verified: 1/21/2026 ↘︎ 0.45%90d Change |
| Product Name | Advantage Savings | High-Yield Savings Account |
| Minimum Deposit | $100 | $5,000 |
| Min. Balance for APY | N/A | $25 |
| Monthly Fee | $8 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.6 | iOS4.7 Android4.4 |
| Zelle® Support | Available Limit: $3,500/dayFounding member; highest limits for established users. | Available Accessed via the Webster Bank mobile app. |
| BBB Rating | A+ | B- |
| Important Notes | APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc. | - |
| Next Steps | Visit SiteVerify at Bank of America Non-sponsored link to official site | Visit SiteVerify at BrioDirect Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bank of America | BrioDirect |
|---|---|---|
| Advantage Savings | High-Yield Savings Account | |
Current APY | 0.01% | 3.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -6.6 |
Days Since Change | 36 | 40 |
12-Month High | 0.03% | 4.55% |
12-Month Low | 0.01% | 3.75% |
Adjustments / Mo | 0.17 | 0.59 |
Volatility Score | 0.120 | 0.060 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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