Bask Bank vs. Jenius Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Bask BankInterest Savings Account Jan 9, 2026 | Jenius BankJenius Savings Jan 9, 2026 |
|---|---|---|
| APY | 3.75% | 4.05% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo Minimums |
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. Jenius Bank
As of Bask Bank offers an APY of 3.75% for its Interest Savings Account, with a minimum balance of $0, compared to Jenius Bank's 4.05% APY for its Jenius Savings account, with a minimum balance of $0.
Jenius Bank pays $30 more than Bask Bank on a $10,000 balance after one year. Bask Bank pays $375, while Jenius Bank pays $405 - an APY advantage for Jenius Bank.
Why Bask Bank?
- ✓Higher rated iOS app (4.7 vs 4.0)
- ✓Higher rated Android app (4.6 vs 3.6)
- ✓Fast transfers via Zelle®
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.75%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $375/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $938/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Bask BankBask Bank offers an iOS app rated 4.7 (vs. 4.0) and Android app rated 4.6 (vs. 3.6)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $30 more interest on a $10,000 balance than Bask Bank's Interest Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Jenius Bank offers a Jenius Savings account with a competitive APY of 4.05%, making it the standout option compared to Bask Bank's Interest Savings Account, which has an APY of 3.75%. Both accounts require no minimum deposit or balance and have no maintenance fees, and neither requires direct deposit. Jenius Bank's account is noted for providing better returns at various deposit levels, emphasizing its appeal for simplicity and higher earnings potential. Both banks operate online only, with Jenius Bank being particularly recommended for those seeking straightforward savings options.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Bask Bank vs. Jenius Bank Savings Calculator
You earn $30 more with Jenius Bank than Bask 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
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Bask Bank | Jenius Bank |
|---|---|---|
| APY | 3.75% Verified: 1/9/2026 ↘︎ 0.30%90d Change | 4.05% Verified: 1/9/2026 ↘︎ 0.15%90d Change |
| Product Name | Interest Savings Account | Jenius Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.6 | iOS4.0 Android3.6 |
| Zelle® Support | Available Available for Interest Checking; not for standalone savings. | Not Supported |
| BBB Rating | B | A+ |
| Next Steps | Visit SiteVerify at Bask Bank Non-sponsored link to official site | Visit SiteVerify at Jenius Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bask Bank | Jenius Bank |
|---|---|---|
| Interest Savings Account | Jenius Savings | |
Current APY | 3.75% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.1 | -2.8 |
Days Since Change | 21 | 52 |
12-Month High | 4.50% | 4.50% |
12-Month Low | 3.75% | 4.05% |
Adjustments / Mo | 0.51 | 0.17 |
Volatility Score | 0.046 | 0.030 |
How to read these metrics(Click to expand)
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