Chase Bank vs. FNBO Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Chase BankChase Savings℠ Jan 21, 2026 | FNBO DirectHigh-Yield Online Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 0.01% | 3.00% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$150 $10,000+$300 $25,000+$750 |
Min Deposit | $0 | $1 |
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 AppIn-Person AccessZelle® Supported | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® 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 Chase Bank vs. FNBO Direct
As of Chase Bank offers an APY of 0.01% for its Chase Savings℠ account, with a minimum balance of $0, compared to FNBO Direct's 3.00% APY for its High-Yield Online Savings Account, with a minimum balance of $0.01.
FNBO Direct pays $299 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, while FNBO Direct pays $300 - an APY advantage for FNBO Direct.
Why Chase Bank?
No distinct advantages found vs FNBO Direct.
Why FNBO Direct?
- ✓Higher potential APY (3.00% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
FNBO DirectFNBO Direct's High-Yield Online Savings Account earns more on smaller deposits (approx. $300 vs $1/yr).
Better Returns at $25,000
FNBO DirectFNBO Direct's High-Yield Online Savings Account pulls ahead with larger amounts (approx. $750 vs $3/yr).
Shared Benefits
Over a 1-year period, FNBO Direct's High-Yield Online Savings Account pays $299 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
FNBO Direct offers a superior High-Yield Online Savings Account with an APY of 3.00%, significantly higher than Chase Bank's Chase Savings℠, which has an APY of just 0.01%. The FNBO Direct account requires a minimum deposit of $1, while Chase has no minimum deposit requirement but may incur a $5 maintenance fee unless certain conditions are met. Additionally, FNBO Direct operates online-only, providing a streamlined digital experience. For those seeking higher returns, FNBO Direct is the clear choice.
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
Chase Bank vs. FNBO Direct Savings Calculator
You earn $299 more with FNBO Direct 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.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
FNBO Direct
High-Yield Online Savings Account
Savings Breakdown
- Interest Earned+$300.00(2.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,300.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Chase Bank | FNBO Direct |
|---|---|---|
| APY | 0.01% Verified: 1/21/2026 Stable (90d) | 3.00% Verified: 1/21/2026 Stable (90d) |
| Product Name | Chase Savings℠ | High-Yield Online Savings Account |
| Minimum Deposit | $0 | $1 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $5 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.7 | iOS4.5 Android4.8 |
| Zelle® Support | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. | Available Online division fully supports Zelle. |
| BBB Rating | A- | 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 Chase Bank Non-sponsored link to official site | Visit SiteVerify at FNBO Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Chase Bank | FNBO Direct |
|---|---|---|
| Chase Savings℠ | High-Yield Online Savings Account | |
Current APY | 0.01% | 3.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -5.7 |
Days Since Change | 180 | 110 |
6-Month High | 0.01% | 3.25% |
6-Month Low | 0.01% | 3.00% |
Adjustments / Mo | 0.00 | 0.17 |
Volatility Score | 0.000 | 0.038 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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