High-Yield Savings Account Comparison

Bask Bank vs. Chime

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl

Updated December 6, 2025

Advertising Disclosure: We may earn a commission from partner links.

Bask Bank

Interest Savings Account

3.90%

APY

Dec 6, 2025

FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	Daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 34383)
Eligibility	United States
Mobile Ratings	iOS:4.7 Android:4.5
BBB Rating	B(Not BBB Accredited)

Rate Stability

30 days

↘︎ 0.15%

90 days

↘︎ 0.25%

Read Bank Overview

Chime

Chime High-Yield Savings Account

Up to

3.50%

APY

Dec 6, 2025

FDIC InsuredDirect Deposit ReqChecking BundleNo MinimumsGreat iOS AppGreat Android App

Range: 1.00% – 3.50%

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	Daily
Direct Deposit	Required (You need to receive a qualifying direct deposit of $200 or more within the preceding 34 days)
Deposit Insurance	FDIC Insured
Eligibility	United States
Mobile Ratings	iOS:4.8 Android:4.7
BBB Rating	A+(BBB Accredited)

Rate Stability

Rate Adjusted

-0.25%

Since 90 days ago

Read Bank Overview

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

Comparison Analysis

Comparing Bask Bank vs. Chime

Updated: Dec 6, 2025

Why Bask Bank?

✓Higher potential APY (3.90% vs 3.50%) on all balances
✓No checking account or direct deposit required

Why Chime?

No distinct advantages found vs Bask Bank.

— Key Feature Differences —

Better Returns at $10,000

Bask Bank

Bask Bank's Interest Savings Account earns more on smaller deposits (approx. $390 vs $350/yr).

Better Returns at $25,000

Bask Bank

Bask Bank's Interest Savings Account pulls ahead with larger amounts (approx. $975 vs $875/yr).

Best for Simplicity

Bask Bank

Bask Bank's Interest Savings Account offers 3.90% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience

Chime

Chime offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.7 (vs. 4.5)

Shared Benefits

Both offer monthly maintenance-free account options Both banks have options with $0 opening deposit Available Nationwide Available to New & Existing Customers

The Bottom Line

Over a 1-year period, Bask Bank's Interest Savings Account pays $40 more interest on a $10,000 balance than Chime's Chime High-Yield Savings Account.

ChimeBask Bank

Automated Data Audit

Executive Summary

Bask Bank offers a competitive Interest Savings Account with a notable APY of 3.90%, making it the winner in this comparison. This account requires no minimum deposit, maintenance fees, or direct deposit, and is entirely online. In contrast, Chime's High-Yield Savings Account provides a lower APY of 3.50%, but it does require a qualifying direct deposit of $200 or more within the preceding 34 days. While Chime excels in mobile app experience, Bask Bank's product stands out for its simplicity and higher returns.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExploreBask Bank ExploreChime

Top Market Contenders

See who beats both Bask Bank and Chime.

Compare All High-Yield Savings Accounts

Pibank

Pibank Savings

FDIC InsuredNo Minimums

4.60% APY

+0.70% vs Bask Bank

Better Rate

Pibank vs Bask Bank Pibank vs Chime

Neighbors Bank

Neighbors Savings Account

FDIC InsuredNo MinimumsGreat Android App

4.50% APY

+0.60% vs Bask Bank

Better Rate

Neighbors Bank vs Bask Bank Neighbors Bank vs Chime

Axos Bank

Axos ONE

FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

4.31% APY

+0.41% vs Bask Bank

Better Rate

Axos Bank vs Bask Bank Axos Bank vs Chime

Feature	Bask Bank	Chime
APY	3.90% Verified: 12/6/2025 ↘︎ 0.25%90d Change	3.50% Range: 1.00% - 3.50% Verified: 12/6/2025 ↘︎ 0.25%90d Change
Product Name	Interest Savings Account	Chime High-Yield Savings Account
Minimum Deposit	$0	$0
Min. Balance for APY	$0	$0.01
Monthly Fee	$0	$0
Branch Access	None	None
Account Type	Online Only	Online Only
Direct Deposit Req.	None	RequiredYou need to receive a qualifying direct deposit of $200 or more within the preceding 34 days
Checking Bundle	No	Yes
Mobile Apps	iOS4.7 Android4.5	iOS4.8 Android4.7
BBB Rating	B	A+
Next Steps	- View Details	- View Details

Savings Comparison

Calculations based on current APY.

Initial Deposit

Recurring Deposit

Frequency

Duration

Bask Bank earns $256.1 more than Chime.

Bask Bank

Interest Savings Account

3.90% APY

Savings Breakdown

Interest Earned
+$2,370.20(11.6%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,370.20

Effective APY

3.90%

View Details

Chime

Chime High-Yield Savings Account

3.50% APY

Savings Breakdown

Interest Earned
+$2,114.10(10.5%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,114.10

Effective APY

3.50%

View Details

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

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis

Metric	Bask Bank	Chime
	Interest Savings Account	Chime High-Yield Savings Account
Current APYMost recent advertised annual-percentage yield.	3.90%	3.50%
TrendDirection over the last 10 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	-4.3	12.5
Days Since ChangeRecency of the latest APY adjustment.	29	51
10-Month HighHighest APY in the last 310 days.	4.50%	3.75%
10-Month LowLowest APY in the last 310 days.	3.90%	2.00%
Adjustments / MoTypical number of APY moves per month.	0.48	0.19
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.034	0.195

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 310-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.

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Comparing against other Bundled Accounts

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4.31%

APY

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4.30%

APY

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Presidential BankChecking Bundle

4.00%

APY

More Comparisons

Compare Bask Bank's APY of 3.90% with other banks

Bank Pair	Competitor APY	Min Deposit
Bask Bank vs Ally Bank	3.30%	$0
Bask Bank vs American Express	3.40%	$0
Bask Bank vs Axos Bank	4.31%	$0
Bask Bank vs Bank of America	0.01%	$100
Bask Bank vs Barclays	4.00%	$0
Bask Bank vs BMO Alto	3.25%	$0
Bask Bank vs BrioDirect	4.00%	$5,000
Bask Bank vs Capital One	3.40%	$0
Bask Bank vs Chase Bank	0.01%	$0
Bask Bank vs CIT Bank	3.75%	$100
Bask Bank vs Citibank	3.30%	$0
Bask Bank vs Citizens Access™	3.35%	$0.01
Bask Bank vs Climate First Bank	4.21%	$50
Bask Bank vs Discover Bank	3.40%	$0
Bask Bank vs Elevault	4.08%	$0
Bask Bank vs EverBank	4.05%	$0
Bask Bank vs Fitness Bank	4.75%	$100
Bask Bank vs FNBO Direct	3.00%	$1
Bask Bank vs Forbright Bank	4.00%	$0
Bask Bank vs FVCbank	3.85%	$500
Bask Bank vs GO2bank	4.50%	$0
Bask Bank vs Ivy Bank	4.25%	$2,500
Bask Bank vs LendingClub	4.20%	$0
Bask Bank vs Marcus by Goldman Sachs	3.65%	$0
Bask Bank vs Neighbors Bank	4.50%	$0
Bask Bank vs Newtek Bank	4.35%	$0.01
Bask Bank vs Openbank	4.20%	$500
Bask Bank vs Peak Bank	4.20%	$100
Bask Bank vs Pibank	4.60%	$0
Bask Bank vs PNC	3.53%	$0
Bask Bank vs Presidential Bank	4.00%	$5,000
Bask Bank vs Quontic Bank	3.75%	$100
Bask Bank vs Salem Five Direct	3.71%	$10
Bask Bank vs Santander Bank	0.01%	$25
Bask Bank vs SoFi Bank	4.30%	$0
Bask Bank vs Synchrony Bank	3.65%	$0
Bask Bank vs TIMBR	4.40%	$1,000
Bask Bank vs UFB Direct	3.71%	$5000
Bask Bank vs Valley Direct	4.10%	$1,000
Bask Bank vs Varo Bank	5.00%	$0
Bask Bank vs Vio Bank	4.16%	$100
Bask Bank vs Wealthfront	4.15%	$0
Bask Bank vs Wells Fargo	0.05%	$25
Bask Bank vs Zynlo Bank	4.05%	$10

Compare Chime's APY of 3.50% with other banks

Bank Pair	Competitor APY	Min Deposit
Chime vs Ally Bank	3.30%	$0
Chime vs American Express	3.40%	$0
Chime vs Axos Bank	4.31%	$0
Chime vs Bank of America	0.01%	$100
Chime vs Barclays	4.00%	$0
Chime vs BMO Alto	3.25%	$0
Chime vs BrioDirect	4.00%	$5,000
Chime vs Capital One	3.40%	$0
Chime vs Chase Bank	0.01%	$0
Chime vs CIT Bank	3.75%	$100
Chime vs Citibank	3.30%	$0
Chime vs Citizens Access™	3.35%	$0.01
Chime vs Climate First Bank	4.21%	$50
Chime vs Discover Bank	3.40%	$0
Chime vs Elevault	4.08%	$0
Chime vs EverBank	4.05%	$0
Chime vs Fitness Bank	4.75%	$100
Chime vs FNBO Direct	3.00%	$1
Chime vs Forbright Bank	4.00%	$0
Chime vs FVCbank	3.85%	$500
Chime vs GO2bank	4.50%	$0
Chime vs Ivy Bank	4.25%	$2,500
Chime vs LendingClub	4.20%	$0
Chime vs Marcus by Goldman Sachs	3.65%	$0
Chime vs Neighbors Bank	4.50%	$0
Chime vs Newtek Bank	4.35%	$0.01
Chime vs Openbank	4.20%	$500
Chime vs Peak Bank	4.20%	$100
Chime vs Pibank	4.60%	$0
Chime vs PNC	3.53%	$0
Chime vs Presidential Bank	4.00%	$5,000
Chime vs Quontic Bank	3.75%	$100
Chime vs Salem Five Direct	3.71%	$10
Chime vs Santander Bank	0.01%	$25
Chime vs SoFi Bank	4.30%	$0
Chime vs Synchrony Bank	3.65%	$0
Chime vs TIMBR	4.40%	$1,000
Chime vs UFB Direct	3.71%	$5000
Chime vs Valley Direct	4.10%	$1,000
Chime vs Varo Bank	5.00%	$0
Chime vs Vio Bank	4.16%	$100
Chime vs Wealthfront	4.15%	$0
Chime vs Wells Fargo	0.05%	$25
Chime vs Zynlo Bank	4.05%	$10