Chase Bank vs. FVCbank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Chase BankChase Savings℠ Jan 21, 2026 | FVCbankAdvantage Direct Savings Jan 21, 2026 |
|---|---|---|
| APY | 0.01% | 3.85% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $0 | $500 |
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 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. FVCbank
As of Chase Bank offers an APY of 0.01% for its Chase Savings℠ account, with a minimum balance of $0, compared to FVCbank's 3.85% APY for its Advantage Direct Savings account, with a minimum balance of $500.
FVCbank pays $384 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, while FVCbank pays $385 - an APY advantage for FVCbank.
Why Chase Bank?
- ✓Higher rated iOS app (4.8 vs 4.4)
- ✓Higher rated Android app (4.7 vs 3.6)
Why FVCbank?
- ✓Higher potential APY (3.85% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
FVCbankFVCbank's Advantage Direct Savings earns more on smaller deposits (approx. $385 vs $1/yr).
Better Returns at $25,000
FVCbankFVCbank's Advantage Direct Savings pulls ahead with larger amounts (approx. $963 vs $3/yr).
Best for Simplicity
FVCbankFVCbank's Advantage Direct Savings offers 3.85% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Chase BankChase Bank offers an iOS app rated 4.8 (vs. 4.4) and Android app rated 4.7 (vs. 3.6)
Shared Benefits
Over a 1-year period, FVCbank's Advantage Direct Savings pays $384 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
FVCbank offers a competitive Advantage Direct Savings account with a high APY of 3.85%, making it a strong choice for savers. This online-only product requires a minimum deposit and balance of $500 but has no maintenance fees, ensuring simplicity and better returns compared to traditional savings accounts. In contrast, Chase Bank's Chase Savings℠ provides a much lower APY of 0.01% and charges a $5 maintenance fee, which can be waived under certain conditions. While Chase boasts a highly rated mobile app experience, FVCbank's offerings stand out for their superior interest rates and straightforward terms.
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. FVCbank Savings Calculator
You earn $384 more with FVCbank 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
FVCbank
Advantage Direct Savings
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Chase Bank | FVCbank |
|---|---|---|
| APY | 0.01% Verified: 1/21/2026 Stable (90d) | 3.85% Verified: 1/21/2026 ↘︎ 0.25%90d Change |
| Product Name | Chase Savings℠ | Advantage Direct Savings |
| Minimum Deposit | $0 | $500 |
| Min. Balance for APY | $0 | $500 |
| 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 | iOS4.4 Android3.6 |
| Zelle® Support | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. | Available Integrated into mobile app. |
| BBB Rating | A- | B- |
| 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 FVCbank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Chase Bank | FVCbank |
|---|---|---|
| Chase Savings℠ | Advantage Direct Savings | |
Current APY | 0.01% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -8.4 |
Days Since Change | 307 | 81 |
10-Month High | 0.01% | 4.55% |
10-Month Low | 0.01% | 3.85% |
Adjustments / Mo | 0.00 | 0.78 |
Volatility Score | 0.000 | 0.064 |
How to read these metrics(Click to expand)
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