Chase Bank vs Go2bank
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
We earn a commission if you open an account through some links on this page.
Summary of Chase Bank vs. GO2bank
As of September 5, 2025 Chase Bank offers an APY of 0.01% for its Chase Savings℠ account, with a minimum balance of $0, compared to GO2bank's 4.50% APY for its High Yield Savings account, with a minimum balance of $0.
GO2bank yields $449 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, while GO2bank pays $450 - an APY advantage for GO2bank.
Chase Bank
Strengths
- Chase Bank has a solid BBB rating of A-.
- Chase Savings℠ requires no minimum deposit or balance.
- Chase Bank has a high App Store rating of 4.8.
Potential Drawbacks
- Chase Savings℠ offers a low APY of 0.01%.
- Chase Bank charges a $5 maintenance fee unless conditions are met.
GO2bank
Strengths
- GO2bank offers a competitive APY of 4.50% on savings.
- GO2bank has a higher Google Play rating of 4.6.
Potential Drawbacks
- GO2bank is not BBB accredited and has no rating.
- GO2bank charges a $5 monthly fee unless direct deposit is set up.
Summary: Chase Bank provides a reliable A- BBB rating and requires no minimums, but offers a low APY of 0.01%. In contrast, GO2bank features a high APY of 4.50% but lacks BBB accreditation and imposes a monthly fee without direct deposit. Both banks have strong App Store ratings, but GO2bank slightly edges out in Google Play ratings.
Compare Chase Bank's vs GO2bank's Savings Accounts
| Chase Bank | GO2bank | ||
|---|---|---|---|
| Product | Chase Savings℠ | vs | High Yield Savings |
| APY | 0.01% (as of 9/5/2025) | 4.50% (as of 9/5/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Quarterly | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $5 | $5 per month, unless you set up direct deposit | |
| Direct Deposit Required | No | No | |
| Note | 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. | The 4.50% APY is up to $5,000. Balances above that earn no interest. | |
| App Store Rating | 4.8/5 | 4.8/5 | |
| Google Play Rating | 4.5/5 | 4.6/5 | |
| BBB Rating | A- | Not Rated |
Comparative Historical APY Insights (Last 1 Month)
| Chase Bank | GO2bank | ||
|---|---|---|---|
| Product | Chase Savings℠ | vs | High Yield Savings |
| Latest APY | 0.01 % | 4.50 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | 0.0 | |
| Rate Changes / Mo | 0.00 | 0.00 | |
| Days Since Last Change | 29 | 29 | |
| High (-1 m) | 0.01 % | 4.50 % | |
| Low (-1 m) | 0.01 % | 4.50 % | |
| Draw-down from High | 0.0 % | 0.0 % | |
| Volatility (CV) | 0.000 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 1 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-1 m)
- Highest APY in the last 30 days.
- Low (-1 m)
- Lowest APY in the last 30 days.
- Draw-down from High
- How far today sits below the 1-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
Calculate Savings Growth for Chase Bank vs GO2bank
All calculations are based on APY.
Chase Bank
APY: 0.01%
Total savings breakdown:
- Interest earned: $5.7 (0.03%)
- Total contributions: $13,000 (72.20%)
- Initial deposit: $5,000 (27.77%)
Your total balance
$18,005.70
Effective APY: 0.01% (based on your deposit and contributions)
Total balance: $18,005.7
Earnings: $5.7
Bank OverviewGO2bank
APY: 4.50%
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
Effective APY: 4.50% (based on your deposit and contributions)
Total balance: $20,760.1
Earnings: $2,760.1
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Chase Bank's total earnings would be $2,754.4 lower than GO2bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare Chase Bank's APY of 0.01% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Chase Bank vs Ally Bank | 3.50% | $0 |
| Chase Bank vs American Express | 3.50% | $0 |
| Chase Bank vs Axos Bank | 4.46% | $0 |
| Chase Bank vs Bank of America | 0.01% | $100 |
| Chase Bank vs Barclays | 4.10% | $0 |
| Chase Bank vs BrioDirect | 4.30% | $5,000 |
| Chase Bank vs Capital One | 3.50% | $0 |
| Chase Bank vs Chime | 3.75% | $0 |
| Chase Bank vs CIT Bank | 4.00% | $100 |
| Chase Bank vs Discover Bank | 3.50% | $0 |
| Chase Bank vs Elevault | 4.60% | $0 |
| Chase Bank vs EverBank | 4.30% | $0 |
| Chase Bank vs Fitness Bank | 4.75% | $100 |
| Chase Bank vs FVCbank | 4.35% | $500 |
| Chase Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Chase Bank vs Neighbors Bank | 4.60% | $0 |
| Chase Bank vs Newtek Bank | 4.35% | $0 |
| Chase Bank vs Peak Bank | 4.35% | $100 |
| Chase Bank vs Pibank | 4.60% | $0 |
| Chase Bank vs Presidential Bank | 4.50% | $5,000 |
| Chase Bank vs Santander Bank | 0.03% | $25 |
| Chase Bank vs SoFi Bank | 3.80% | $0 |
| Chase Bank vs Synchrony Bank | 3.80% | $0 |
| Chase Bank vs TIMBR | 4.40% | $1,000 |
| Chase Bank vs UFB Direct | 4.21% | $5000 |
| Chase Bank vs Varo Bank | 5.00% | $0 |
| Chase Bank vs Wells Fargo | 2.51% | $25 |
| Chase Bank vs Zynlo Bank | 4.35% | $10 |
Compare GO2bank's APY of 4.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| GO2bank vs Ally Bank | 3.50% | $0 |
| GO2bank vs American Express | 3.50% | $0 |
| GO2bank vs Axos Bank | 4.46% | $0 |
| GO2bank vs Bank of America | 0.01% | $100 |
| GO2bank vs Barclays | 4.10% | $0 |
| GO2bank vs BrioDirect | 4.30% | $5,000 |
| GO2bank vs Capital One | 3.50% | $0 |
| GO2bank vs Chime | 3.75% | $0 |
| GO2bank vs CIT Bank | 4.00% | $100 |
| GO2bank vs Discover Bank | 3.50% | $0 |
| GO2bank vs Elevault | 4.60% | $0 |
| GO2bank vs EverBank | 4.30% | $0 |
| GO2bank vs Fitness Bank | 4.75% | $100 |
| GO2bank vs FVCbank | 4.35% | $500 |
| GO2bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| GO2bank vs Neighbors Bank | 4.60% | $0 |
| GO2bank vs Newtek Bank | 4.35% | $0 |
| GO2bank vs Peak Bank | 4.35% | $100 |
| GO2bank vs Pibank | 4.60% | $0 |
| GO2bank vs Presidential Bank | 4.50% | $5,000 |
| GO2bank vs Santander Bank | 0.03% | $25 |
| GO2bank vs SoFi Bank | 3.80% | $0 |
| GO2bank vs Synchrony Bank | 3.80% | $0 |
| GO2bank vs TIMBR | 4.40% | $1,000 |
| GO2bank vs UFB Direct | 4.21% | $5000 |
| GO2bank vs Varo Bank | 5.00% | $0 |
| GO2bank vs Wells Fargo | 2.51% | $25 |
| GO2bank vs Zynlo Bank | 4.35% | $10 |