High-Yield Savings Account Comparison

Bask Bank vs. FNBO Direct

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 FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34383)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.5
BBB Rating
B(Not BBB Accredited)

Rate Stability

30 days
↘︎ 0.15%
90 days
↘︎ 0.25%
Read Bank Overview

FNBO Direct

High-Yield Online Savings Account

3.00%
APY
Dec 6, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0.01
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5452)
EligibilityUnited States
Mobile Ratings
iOS:4.5Android:4.8
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. FNBO Direct

Updated: Dec 6, 2025

Why Bask Bank?

  • ✓Higher potential APY (3.90% vs 3.00%) on all balances

Why FNBO Direct?

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 $300/yr).

Better Returns at $25,000
Bask Bank

Bask Bank's Interest Savings Account pulls ahead with larger amounts (approx. $975 vs $750/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
Bask Bank

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

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, Bask Bank's Interest Savings Account pays $90 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.

FNBO DirectBask 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 or maintenance fees and does not mandate direct deposit, providing a straightforward savings option. In contrast, FNBO Direct's High-Yield Online Savings Account offers a lower APY of 3.00%, also with no minimum balance requirement and no maintenance fees. Both accounts are online-only and provide FDIC insurance, but Bask Bank stands out with its higher yield.

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 BankExploreFNBO Direct

Top Market Contenders

See who beats both Bask Bank and FNBO Direct.

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 BankPibank vs FNBO Direct
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+0.60% vs Bask Bank
Better Rate
Neighbors Bank vs Bask BankNeighbors Bank vs FNBO Direct
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 BankAxos Bank vs FNBO Direct
FeatureBask BankFNBO Direct
APY
3.90%
Verified: 12/6/2025
↘︎ 0.25%90d Change
3.00%
Verified: 12/6/2025
↘︎ 0.25%90d Change
Product NameInterest Savings AccountHigh-Yield Online Savings Account
Minimum Deposit$0$1
Min. Balance for APY$0$0.01
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.7
Android4.5
iOS4.5
Android4.8
BBB RatingBA+
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

Bask Bank earns $572 more than FNBO Direct.

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

FNBO Direct

High-Yield Online Savings Account

3.00% APY

Savings Breakdown

  • Interest Earned
    +$1,798.20(9.1%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,798.20

Effective APY
3.00%
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 4 Months Analysis
MetricBask BankFNBO Direct
Interest Savings AccountHigh-Yield Online Savings Account
Current APY
3.90%3.00%
Trend
 Stable Stable
Velocity (bps/mo)
-8.1-8.4
Days Since Change
2964
4-Month High
4.20%3.25%
4-Month Low
3.90%3.00%
Adjustments / Mo
0.670.22
Volatility Score
0.0280.040
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 134-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.

Compare Similar High-Yield Accounts

Compare Bask Bank vs...

Comparing against Standard Savings

vs Bask Bank
PibankNo Bundle Req
4.60%
APY
vs Bask Bank
Neighbors BankNo Bundle Req
4.50%
APY
vs Bask Bank
TIMBRNo Bundle Req
4.40%
APY

Compare FNBO Direct vs...

Comparing against Standard Savings

vs FNBO Direct
PibankNo Bundle Req
4.60%
APY
vs FNBO Direct
Neighbors BankNo Bundle Req
4.50%
APY
vs FNBO Direct
TIMBRNo Bundle Req
4.40%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare Bask Bank's APY of 3.90% with other banks
Bank PairCompetitor APYMin Deposit
Bask Bank vs Ally Bank3.30%$0
Bask Bank vs American Express3.40%$0
Bask Bank vs Axos Bank4.31%$0
Bask Bank vs Bank of America0.01%$100
Bask Bank vs Barclays4.00%$0
Bask Bank vs BMO Alto3.25%$0
Bask Bank vs BrioDirect4.00%$5,000
Bask Bank vs Capital One3.40%$0
Bask Bank vs Chase Bank0.01%$0
Bask Bank vs Chime3.50%$0
Bask Bank vs CIT Bank3.75%$100
Bask Bank vs Citibank3.30%$0
Bask Bank vs Citizens Access™3.35%$0.01
Bask Bank vs Climate First Bank4.21%$50
Bask Bank vs Discover Bank3.40%$0
Bask Bank vs Elevault4.08%$0
Bask Bank vs EverBank4.05%$0
Bask Bank vs Fitness Bank4.75%$100
Bask Bank vs Forbright Bank4.00%$0
Bask Bank vs FVCbank3.85%$500
Bask Bank vs GO2bank4.50%$0
Bask Bank vs Ivy Bank4.25%$2,500
Bask Bank vs LendingClub4.20%$0
Bask Bank vs Marcus by Goldman Sachs3.65%$0
Bask Bank vs Neighbors Bank4.50%$0
Bask Bank vs Newtek Bank4.35%$0.01
Bask Bank vs Openbank4.20%$500
Bask Bank vs Peak Bank4.20%$100
Bask Bank vs Pibank4.60%$0
Bask Bank vs PNC3.53%$0
Bask Bank vs Presidential Bank4.00%$5,000
Bask Bank vs Quontic Bank3.75%$100
Bask Bank vs Salem Five Direct3.71%$10
Bask Bank vs Santander Bank0.01%$25
Bask Bank vs SoFi Bank4.30%$0
Bask Bank vs Synchrony Bank3.65%$0
Bask Bank vs TIMBR4.40%$1,000
Bask Bank vs UFB Direct3.71%$5000
Bask Bank vs Valley Direct4.10%$1,000
Bask Bank vs Varo Bank5.00%$0
Bask Bank vs Vio Bank4.16%$100
Bask Bank vs Wealthfront4.15%$0
Bask Bank vs Wells Fargo0.05%$25
Bask Bank vs Zynlo Bank4.05%$10
Compare FNBO Direct's APY of 3.00% with other banks
Bank PairCompetitor APYMin Deposit
FNBO Direct vs Ally Bank3.30%$0
FNBO Direct vs American Express3.40%$0
FNBO Direct vs Axos Bank4.31%$0
FNBO Direct vs Bank of America0.01%$100
FNBO Direct vs Barclays4.00%$0
FNBO Direct vs BMO Alto3.25%$0
FNBO Direct vs BrioDirect4.00%$5,000
FNBO Direct vs Capital One3.40%$0
FNBO Direct vs Chase Bank0.01%$0
FNBO Direct vs Chime3.50%$0
FNBO Direct vs CIT Bank3.75%$100
FNBO Direct vs Citibank3.30%$0
FNBO Direct vs Citizens Access™3.35%$0.01
FNBO Direct vs Climate First Bank4.21%$50
FNBO Direct vs Discover Bank3.40%$0
FNBO Direct vs Elevault4.08%$0
FNBO Direct vs EverBank4.05%$0
FNBO Direct vs Fitness Bank4.75%$100
FNBO Direct vs Forbright Bank4.00%$0
FNBO Direct vs FVCbank3.85%$500
FNBO Direct vs GO2bank4.50%$0
FNBO Direct vs Ivy Bank4.25%$2,500
FNBO Direct vs LendingClub4.20%$0
FNBO Direct vs Marcus by Goldman Sachs3.65%$0
FNBO Direct vs Neighbors Bank4.50%$0
FNBO Direct vs Newtek Bank4.35%$0.01
FNBO Direct vs Openbank4.20%$500
FNBO Direct vs Peak Bank4.20%$100
FNBO Direct vs Pibank4.60%$0
FNBO Direct vs PNC3.53%$0
FNBO Direct vs Presidential Bank4.00%$5,000
FNBO Direct vs Quontic Bank3.75%$100
FNBO Direct vs Salem Five Direct3.71%$10
FNBO Direct vs Santander Bank0.01%$25
FNBO Direct vs SoFi Bank4.30%$0
FNBO Direct vs Synchrony Bank3.65%$0
FNBO Direct vs TIMBR4.40%$1,000
FNBO Direct vs UFB Direct3.71%$5000
FNBO Direct vs Valley Direct4.10%$1,000
FNBO Direct vs Varo Bank5.00%$0
FNBO Direct vs Vio Bank4.16%$100
FNBO Direct vs Wealthfront4.15%$0
FNBO Direct vs Wells Fargo0.05%$25
FNBO Direct vs Zynlo Bank4.05%$10