Bask Bank vs. Chase Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Bask BankInterest Savings Account Jan 21, 2026 | Chase BankChase Savings℠ Jan 21, 2026 |
|---|---|---|
| APY | 3.75% | 0.01% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$1 $10,000+$1 $25,000+$3 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® 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 Bask Bank vs. Chase Bank
As of Bask Bank offers an APY of 3.75% for its Interest Savings Account, with a minimum balance of $0, compared to Chase Bank's 0.01% APY for its Chase Savings℠ account, with a minimum balance of $0.
Bask Bank pays $374 more than Chase Bank on a $10,000 balance after one year. Bask Bank pays $375, while Chase Bank pays $1 - an APY advantage for Bask Bank.
Why Bask Bank?
- ✓Higher potential APY (3.75% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
Why Chase Bank?
No distinct advantages found vs Bask Bank.
— Key Feature Differences —
Better Returns at $10,000
Bask BankBask Bank's Interest Savings Account earns more on smaller deposits (approx. $375 vs $1/yr).
Better Returns at $25,000
Bask BankBask Bank's Interest Savings Account pulls ahead with larger amounts (approx. $938 vs $3/yr).
Best for Simplicity
Bask BankBask Bank's Interest Savings Account offers 3.75% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Bask Bank's Interest Savings Account pays $374 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Bask Bank offers a significantly higher APY of 3.75% on its Interest Savings Account, making it a standout choice for savers, especially those looking for better returns on smaller deposits. In contrast, Chase Bank's savings account provides a minimal APY of 0.01%, which is considerably lower. Both accounts have no minimum deposit or balance requirements, and neither requires direct deposit. However, Chase does impose a $5 maintenance fee, which can be waived under certain conditions. Bask Bank's account is online-only, while Chase offers both online and physical branch access.
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
Bask Bank vs. Chase Bank Savings Calculator
You earn $374 more with Bask Bank than Chase 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.
Bask Bank
Interest Savings Account
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Bask Bank | Chase Bank |
|---|---|---|
| APY | 3.75% Verified: 1/21/2026 ↘︎ 0.30%90d Change | 0.01% Verified: 1/21/2026 Stable (90d) |
| Product Name | Interest Savings Account | Chase Savings℠ |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $5 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.7 | iOS4.8 Android4.7 |
| Zelle® Support | Available Available for Interest Checking; not for standalone savings. | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. |
| BBB Rating | B | A- |
| Important Notes | - | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. |
| Next Steps | Visit SiteVerify at Bask Bank Non-sponsored link to official site | Visit SiteVerify at Chase Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bask Bank | Chase Bank |
|---|---|---|
| Interest Savings Account | Chase Savings℠ | |
Current APY | 3.75% | 0.01% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.2 | 0.0 |
Days Since Change | 33 | 357 |
12-Month High | 4.50% | 0.01% |
12-Month Low | 3.75% | 0.01% |
Adjustments / Mo | 0.50 | 0.00 |
Volatility Score | 0.048 | 0.000 |
How to read these metrics(Click to expand)
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