Chase Bank vs. GO2bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Chase Bank
Chase Savings℠
0.01%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Chase Bank
Chase Savings℠
GO2bank
High Yield Savings
Up to4.50%APYDec 6, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppRange: 0.00% – 4.50%Show Fine Print & Trends Hide Details
GO2bank
High Yield Savings
Comparison Analysis
Comparing Chase Bank vs. GO2bank
Why Chase Bank?
- ✓No checking account or direct deposit required
Why GO2bank?
- ✓Higher potential APY (4.50% vs 0.01%) on all balances
— Key Feature Differences —
Better Returns at $10,000
GO2bankGO2bank's High Yield Savings earns more on smaller deposits (approx. $225 vs $1/yr).
Better Returns at $25,000
GO2bankGO2bank's High Yield Savings pulls ahead with larger amounts (approx. $225 vs $3/yr).
Best for All-in-One Banking
GO2bankGO2bank's High Yield Savings pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, GO2bank's High Yield Savings pays $224 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
Executive Summary
GO2bank offers a High Yield Savings account with a competitive APY of 4.50%, significantly higher than Chase Bank's Chase Savings℠, which has an APY of only 0.01%. However, to open a savings account with GO2bank, customers must also have a GO2bank checking account, and the high yield applies only to balances up to $5,000, with higher amounts earning no interest. In contrast, Chase Bank's savings account does not require direct deposit or a checking account, but it does have a maintenance fee of $5, which can be waived under certain conditions. Overall, GO2bank is the clear winner for those eligible, especially for smaller deposits.
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.
Top Market Contenders
See who beats both Chase Bank and GO2bank.
| Feature | Chase Bank | GO2bank |
|---|---|---|
| APY | 0.01% Verified: 12/6/2025 Stable (90d) | 4.50% 0Verified: 12/6/2025 Stable (90d) |
| Product Name | Chase Savings℠ | High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $5 | $5 per month, unless you set up direct deposit |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.8 Android4.6 | iOS4.8 Android4.5 |
| BBB Rating | A- | Not Rated |
| 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. | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest. |
| Next Steps |
Savings Comparison
GO2bank earns $1,225.2 more than Chase Bank.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$5.70(0.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,005.70
GO2bank
High Yield Savings
4.50% on first $5,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$1,230.90(6.4%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,230.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Chase Bank | GO2bank |
|---|---|---|
| Chase Savings℠ | High Yield Savings | |
Current APY | 0.01% | 4.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | 0.0 |
Days Since Change | 121 | 121 |
4-Month High | 0.01% | 4.50% |
4-Month Low | 0.01% | 4.50% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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