Chase Bank vs. GO2bank
Comparing Chase Bank and GO2bank for savings: Chase Bank's Chase Savings℠ pays 0.01% APY while GO2bank's High Yield Savings pays 4.50% APY.
Note: GO2bank caps its top rate at $5,000 and requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? GO2bank pays $224 more than Chase Bank annually ($225 vs $1).
Choose Chase Bank if you want a no-strings-attached account, you value in-person banking, or you want Zelle for quick transfers. Choose GO2bank if getting the best rate matters most.
Important Considerations
Watch out: GO2bank's 4.50% APY only applies to the first $5,000. With a $10,000 balance, your effective rate drops to 2.25% APY ($225 annually).
GO2bank requires a checking account to unlock its top savings rate, while Chase Bank offers its savings account standalone.
| Metric | Chase BankChase Savings℠ Mar 7, 2026 | GO2bankHigh Yield Savings Mar 7, 2026 |
|---|---|---|
| APY | 0.01% | 0.00% - 4.50% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$225 $10,000+$225 $25,000+$225 |
Min Deposit | $0 | $0 |
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. | 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. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking BundleStable Rate |
Comparison Analysis
Comparing Chase Bank vs. GO2bank
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 yields only 0.01%. To open a savings account with GO2bank, a checking account is required, and the high APY applies to balances up to $5,000, with amounts exceeding that earning no interest. Both banks have a minimum deposit of $0 and a maintenance fee of $5, which can be waived under certain conditions at Chase. Overall, GO2bank stands out for its superior returns, especially for customers who also utilize its checking account.
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?
- ✓No checking account or direct deposit required
- ✓Physical branch access (Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii.)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
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℠.
*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. GO2bank Savings Calculator
You earn $224 more with GO2bank 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
GO2bank
High Yield Savings
4.50% on first $5,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$225.00(2.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,225.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Chase Bank | GO2bank |
|---|---|---|
| APY | 0.01% Verified: 3/7/2026 Stable (90d) | 4.50% 0Verified: 3/7/2026 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 |
| Compound Frequency | Monthly | Quarterly |
| 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. | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. | Not Supported |
| 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 | Visit SiteVerify at Chase Bank Non-sponsored link to official site | Visit SiteVerify at GO2bank Non-sponsored link to official site |
📈 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 | 212 | 212 |
7-Month High | 0.01% | 4.50% |
7-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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Compare Chase Bank's APY of 0.01% with other banks
Compare GO2bank's APY of 4.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| GO2bank vs Ally Bank | 3.20% | $0 |
| GO2bank vs American Express | 3.30% | $0 |
| GO2bank vs Axos Bank | 4.21% | $0 |
| GO2bank vs Bank of America | 0.01% | $100 |
| GO2bank vs Barclays | 3.85% | $0 |
| GO2bank vs Capital One | 3.30% | $0 |
| GO2bank vs Chime | 3.00% | $0 |
| GO2bank vs CIT Bank | 3.75% | $100 |
| GO2bank vs Citibank | 3.20% | $0 |
| GO2bank vs Discover Bank | 3.30% | $0 |
| GO2bank vs EverBank | 3.90% | $0 |
| GO2bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| GO2bank vs Newtek Bank | 4.20% | $0.01 |
| GO2bank vs Openbank | 4.09% | $500 |
| GO2bank vs Pibank | 4.60% | $0 |
| GO2bank vs SoFi Bank | 4.00% | $0 |
| GO2bank vs Synchrony Bank | 3.50% | $0 |
| GO2bank vs Varo Bank | 5.00% | $0 |
| GO2bank vs Wealthfront | 4.20% | $0 |
| GO2bank vs Wells Fargo | 0.05% | $25 |