Chase Bank vs. FNBO Direct
Comparing Chase Bank and FNBO Direct for savings: Chase Bank's Chase Savings℠ pays 0.01% APY while FNBO Direct's High-Yield Online Savings Account pays 3.00% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? FNBO Direct pays $299 more than Chase Bank annually ($300 vs $1).
Choose Chase Bank if you value in-person banking. Choose FNBO Direct if getting the best rate matters most.
| Metric | Chase BankChase Savings℠ Mar 7, 2026 | FNBO DirectHigh-Yield Online Savings Account Mar 7, 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® SupportedStable Rate | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® SupportedRate Changes Often |
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.
Comparison Analysis
Comparing Chase Bank vs. FNBO Direct
Executive Summary
FNBO Direct offers a High-Yield Online Savings Account with a competitive APY of 3.00%, making it the clear winner in this comparison. This account requires a minimum deposit of $1 and has no maintenance fees, providing an attractive option for savers. In contrast, Chase Bank's Chase Savings℠ account yields only 0.01% APY, with a $5 maintenance fee that can be waived under certain conditions. While Chase does not require a direct deposit and offers physical branch access, the significantly higher APY from FNBO Direct positions it as the superior choice for those looking to maximize their savings.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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.)
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.
Non-sponsored link to official site
Non-sponsored link to official site
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: 3/7/2026 Stable (90d) | 3.00% Verified: 3/7/2026 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 |
| Compound Frequency | Monthly | Monthly |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii. | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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 | -4.0 |
Days Since Change | 222 | 155 |
7-Month High | 0.01% | 3.25% |
7-Month Low | 0.01% | 3.00% |
Adjustments / Mo | 0.00 | 0.13 |
Volatility Score | 0.000 | 0.035 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare Chase Bank's APY of 0.01% with other banks
Compare FNBO Direct's APY of 3.00% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| FNBO Direct vs Ally Bank | 3.20% | $0 |
| FNBO Direct vs American Express | 3.30% | $0 |
| FNBO Direct vs Axos Bank | 4.21% | $0 |
| FNBO Direct vs Bank of America | 0.01% | $100 |
| FNBO Direct vs Barclays | 3.85% | $0 |
| FNBO Direct vs Capital One | 3.30% | $0 |
| FNBO Direct vs Chime | 3.00% | $0 |
| FNBO Direct vs CIT Bank | 3.75% | $100 |
| FNBO Direct vs Citibank | 3.20% | $0 |
| FNBO Direct vs Discover Bank | 3.30% | $0 |
| FNBO Direct vs EverBank | 3.90% | $0 |
| FNBO Direct vs Marcus by Goldman Sachs | 3.65% | $0 |
| FNBO Direct vs Newtek Bank | 4.20% | $0.01 |
| FNBO Direct vs Openbank | 4.09% | $500 |
| FNBO Direct vs Pibank | 4.60% | $0 |
| FNBO Direct vs SoFi Bank | 4.00% | $0 |
| FNBO Direct vs Synchrony Bank | 3.50% | $0 |
| FNBO Direct vs Varo Bank | 5.00% | $0 |
| FNBO Direct vs Wealthfront | 4.20% | $0 |
| FNBO Direct vs Wells Fargo | 0.05% | $25 |