Chase Bank vs. Neighbors Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Chase BankChase Savings℠ Jan 21, 2026 | Neighbors BankNeighbors Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 0.01% | 4.20% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$210 $10,000+$420 $25,000+$1,050 |
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. | Balances up to $250,000 earn 4.20% APY. Anything above will earn 0.05% APY. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat Android AppIn-Person Access |
Comparison Analysis
Comparing Chase Bank vs. Neighbors Bank
As of Chase Bank offers an APY of 0.01% for its Chase Savings℠ account, with a minimum balance of $0, compared to Neighbors Bank's 4.20% APY for its Neighbors Savings Account, with a minimum balance of $0.
Neighbors Bank pays $419 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, while Neighbors Bank pays $420 - an APY advantage for Neighbors Bank.
Why Chase Bank?
- ✓No checking account or direct deposit required
- ✓Higher rated iOS app (4.8 vs 3.3)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
- ✓Available Nationwide
Why Neighbors Bank?
- ✓Higher potential APY (4.20% vs 0.01%) on all balances
- ✓Physical branch access (One location in Columbia, Missouri)
— Key Feature Differences —
Better Returns at $10,000
Neighbors BankNeighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $420 vs $1/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1050 vs $3/yr).
Best Mobile App Experience
Chase BankChase Bank offers an iOS app rated 4.8 (vs. 3.3) and Android app rated 4.7 (vs. 4.4)
Shared Benefits
Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $419 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
Neighbors Bank offers a competitive Neighbors Savings Account with an APY of 4.20%, significantly higher than Chase Bank's Chase Savings℠, which has a minimal APY of 0.01%. The Neighbors Savings Account allows balances up to $250,000 to earn the higher rate, while amounts exceeding that earn a lower rate of 0.05%. Additionally, Neighbors Bank has no maintenance fees, making it an attractive option compared to Chase, which charges a $5 fee unless certain conditions are met. Both banks do not require direct deposit, and neither has branch access as they are not online-only.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Chase Bank vs. Neighbors Bank Savings Calculator
You earn $419 more with Neighbors Bank 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
Neighbors Bank
Neighbors Savings Account
4.20% on first $250,000 and 0.05% thereafter.
Savings Breakdown
- Interest Earned+$420.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,420.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Chase Bank | Neighbors Bank |
|---|---|---|
| APY | 0.01% Verified: 1/21/2026 Stable (90d) | 4.20% Verified: 1/21/2026 ↘︎ 0.30%90d Change |
| Product Name | Chase Savings℠ | Neighbors Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $5 | $0 |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.7 | iOS3.3 Android4.4 |
| Zelle® Support | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. | Not Supported |
| 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. | Balances up to $250,000 earn 4.20% APY. Anything above will earn 0.05% APY. |
| Next Steps | Visit SiteVerify at Chase Bank Non-sponsored link to official site | Visit SiteVerify at Neighbors Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Chase Bank | Neighbors Bank |
|---|---|---|
| Chase Savings℠ | Neighbors Savings Account | |
Current APY | 0.01% | 4.20% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | -3.0 |
Days Since Change | 329 | 6 |
11-Month High | 0.01% | 4.75% |
11-Month Low | 0.01% | 4.20% |
Adjustments / Mo | 0.00 | 0.36 |
Volatility Score | 0.000 | 0.027 |
How to read these metrics(Click to expand)
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