Savings Account Comparison

Bask Bank vs. Chase Bank

Comparing Bask Bank and Chase Bank for savings: Bask Bank's Interest Savings Account pays 0.25% APY while Chase Bank's Chase Savings℠ pays 0.01% APY.

See how they compare on rate stability, mobile app ratings, and more below.

Analysis by Aviel Fahl
Updated March 7, 2026

The Bottom Line

Who pays more interest on $10,000? Bask Bank pays $24 more than Chase Bank annually ($25 vs $1).

Choose Bask Bank if getting the best rate matters most. Choose Chase Bank if you value in-person banking.

Comparison of Bask Bank vs Chase Bank savings accounts
Metric

Bask Bank

Interest Savings Account

Mar 7, 2026

Chase Bank

Chase Savings℠

Mar 7, 2026
APY0.25%0.01%
Est. Earnings
$5,000+$13
$10,000+$25
$25,000+$63
$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® SupportedDaily CompoundingRate Changes Often
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.

See Top Rates

Comparison Analysis

Comparing Bask Bank vs. Chase Bank

Updated: Mar 7, 2026

Executive Summary

Bask Bank offers a competitive Interest Savings Account with an APY of 0.25%, significantly higher than Chase Bank's Chase Savings℠, which yields only 0.01%. Bask Bank's account is online-only, has no minimum deposit or maintenance fees, and does not require direct deposits. In contrast, while Chase Bank's account also has no minimum deposit, it incurs a $5 maintenance fee unless certain conditions are met. Therefore, for those seeking better returns on savings, Bask Bank is the clear winner.

The analysis is based on current Banksparency database records

* This content is provided for informational purposes only; always verify details with the provider.

Why Bask Bank?

  • Higher potential APY (0.25% vs 0.01%) on all balances
  • No checking account or direct deposit required

Why Chase Bank?

  • Physical branch access (Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii.)

— Key Feature Differences —

Better Returns at $10,000
Bask Bank

Bask Bank's Interest Savings Account earns more on smaller deposits (approx. $25 vs $1/yr).

Better Returns at $25,000
Bask Bank

Bask Bank's Interest Savings Account pulls ahead with larger amounts (approx. $63 vs $3/yr).

Shared Benefits

Both banks have options with $0 opening deposit Fast transfers via Zelle® Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Bask Bank's Interest Savings Account pays $24 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.

Chase BankBask Bank
Verify At
Bask Bank

Non-sponsored link to official site

Verify At
Chase Bank

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Top Market Contenders

Bask Bank vs. Chase Bank Savings Calculator

Calculations based on current APY for Interest Savings Account and Chase Savings℠
$
$

You earn $24 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

0.25% APY

Savings Breakdown

  • Interest Earned
    +$25.00(0.2%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,025.00

Effective APY
0.25%

Chase Bank

Chase Savings℠

0.01% APY

Savings Breakdown

  • Interest Earned
    +$1.00(0.0%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,001.00

Effective APY
0.01%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

FeatureBask BankChase Bank
APY
0.25%
Verified: 3/7/2026
↘︎ 3.65%90d Change
0.01%
Verified: 3/7/2026
Stable (90d)
Product NameInterest Savings AccountChase Savings℠
Minimum Deposit$0$0
Min. Balance for APY$0$0
Monthly Fee$0$5
Compound FrequencyDailyMonthly
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Physical BranchesNoneChase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii.
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.7
Android4.6
iOS4.8
Android4.7
FDIC Insured
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 RatingBA-
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
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📈 Compare Savings Rates Over Time

Historical Performance

Last 12 Months Analysis
MetricBask BankChase Bank
Interest Savings AccountChase Savings℠
Current APY
0.25%0.01%
Trend
Stable Stable
Velocity (bps/mo)
-21.0-0.0
Days Since Change
32365
12-Month High
4.35%0.01%
12-Month Low
0.25%0.01%
Adjustments / Mo
0.490.00
Volatility Score
0.3340.000
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 365-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.

More Comparisons

Compare Bask Bank's APY of 0.25% with other banks
Compare Chase Bank's APY of 0.01% with other banks
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