High-Yield Savings Account Comparison

Chase Bank vs. Presidential Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl

Updated December 6, 2025

Advertising Disclosure: We may earn a commission from partner links.

Chase Bank

Chase Savings℠

0.01%

APY

Dec 6, 2025

FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$5
Compound Freq	Monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 628)
Eligibility	United States
Mobile Ratings	iOS:4.8 Android:4.6
BBB Rating	A-(Not BBB Accredited)

Important 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.

Rate Stability

Very StableNo rate changes in last 90 days

Read Bank Overview

Presidential Bank

Advantage Savings

Up to

4.00%

APY

Dec 6, 2025

FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person Access

Range: 3.50% – 4.00%

Show Fine Print & Trends

Min. Deposit	$5,000
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	Monthly
Direct Deposit	Required (To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.)
Branch Access	10 locations in Maryland, Virginia and Washington D.C.
Deposit Insurance	FDIC Insured(Cert: 32363)
Eligibility	United States
Mobile Ratings	iOS:4.8 Android:4.1
BBB Rating	A-(Not BBB Accredited)

Rate Stability

30 days

↘︎ 0.25%

90 days

↘︎ 0.50%

Read Bank Overview

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

Comparison Analysis

Comparing Chase Bank vs. Presidential Bank

Updated: Dec 6, 2025

Why Chase Bank?

✓No checking account or direct deposit required
✓Higher rated Android app (4.6 vs 4.1)

Why Presidential Bank?

✓Higher potential APY (4.00% vs 0.01%) on all balances
✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)

— Key Feature Differences —

Better Returns at $10,000

Presidential Bank

Presidential Bank's Advantage Savings earns more on smaller deposits (approx. $400 vs $1/yr).

Better Returns at $25,000

Presidential Bank

Presidential Bank's Advantage Savings pulls ahead with larger amounts (approx. $1000 vs $3/yr).

Best for All-in-One Banking

Presidential Bank

Presidential Bank's Advantage Savings pays a superior APY for customers who also open a checking account.

Shared Benefits

Available Nationwide Available to New & Existing Customers

The Bottom Line

Over a 1-year period, Presidential Bank's Advantage Savings pays $399 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.

Chase BankPresidential Bank

Automated Data Audit

Executive Summary

Presidential Bank offers a standout Advantage Savings account with a competitive APY of 4.00%, significantly higher than Chase Bank's Chase Savings℠, which yields only 0.01%. To benefit from the higher rate at Presidential Bank, customers must set up a monthly direct deposit of $500 into an Advantage Checking Account, with a minimum deposit requirement of $5,000. In contrast, Chase Bank's savings account has no minimum deposit and a maintenance fee that can be waived under certain conditions. Overall, for those eligible for the direct deposit requirement, Presidential Bank provides a much more attractive savings option.

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.

ExploreChase Bank ExplorePresidential Bank

Top Market Contenders

See who beats both Chase Bank and Presidential Bank.

Compare All High-Yield Savings Accounts

Pibank

Pibank Savings

FDIC InsuredNo Minimums

4.60% APY

+0.60% vs Presidential Bank

Better Rate

Pibank vs Chase Bank Pibank vs Presidential Bank

Neighbors Bank

Neighbors Savings Account

FDIC InsuredNo MinimumsGreat Android App

4.50% APY

+0.50% vs Presidential Bank

Better Rate

Neighbors Bank vs Chase Bank Neighbors Bank vs Presidential Bank

Axos Bank

Axos ONE

FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

4.31% APY

+0.31% vs Presidential Bank

Better Rate

Axos Bank vs Chase Bank Axos Bank vs Presidential Bank

Feature	Chase Bank	Presidential Bank
APY	0.01% Verified: 12/6/2025 Stable (90d)	4.00% Range: 3.50% - 4.00% Verified: 12/6/2025 ↘︎ 0.50%90d Change
Product Name	Chase Savings℠	Advantage Savings
Minimum Deposit	$0	$5,000
Min. Balance for APY	$0	N/A
Monthly Fee	$5	$0
Branch Access	Yes	Yes
Account Type	Online & Branches	Online & Branches
Direct Deposit Req.	None	RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
Checking Bundle	No	Yes
Mobile Apps	iOS4.8 Android4.6	iOS4.8 Android4.1
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.	-
Next Steps	- View Details	- View Details

Savings Comparison

Calculations based on current APY.

Initial Deposit

Recurring Deposit

Frequency

Duration

Presidential Bank earns $2,429 more than Chase Bank.

Chase Bank

Chase Savings℠

0.01% APY

Savings Breakdown

Interest Earned
+$5.70(0.0%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$18,005.70

Effective APY

0.01%

View Details

Presidential Bank

Advantage Savings

4.00% APY

Savings Breakdown

Interest Earned
+$2,434.70(11.9%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,434.70

Effective APY

4.00%

View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis

Metric	Chase Bank	Presidential Bank
	Chase Savings℠	Advantage Savings
Current APYMost recent advertised annual-percentage yield.	0.01%	4.00%
TrendDirection over the last 10 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	-0.0	-2.4
Days Since ChangeRecency of the latest APY adjustment.	311	15
10-Month HighHighest APY in the last 311 days.	0.01%	4.50%
10-Month LowLowest APY in the last 311 days.	0.01%	4.00%
Adjustments / MoTypical number of APY moves per month.	0.00	0.19
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.000	0.031

How to read these metrics(Click to expand)

Trends & Velocity

Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

High/Low: The absolute ceiling and floor of the rate during the 311-day window.
Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

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Comparing against other Bundled Accounts

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Axos BankChecking Bundle

4.31%

APY

vs Presidential Bank

SoFi BankChecking Bundle

4.30%

APY

vs Presidential Bank

UFB DirectChecking Bundle

3.71%

APY

More Comparisons

Compare Chase Bank's APY of 0.01% with other banks

Bank Pair	Competitor APY	Min Deposit
Chase Bank vs Ally Bank	3.30%	$0
Chase Bank vs American Express	3.40%	$0
Chase Bank vs Axos Bank	4.31%	$0
Chase Bank vs Bank of America	0.01%	$100
Chase Bank vs Barclays	4.00%	$0
Chase Bank vs Bask Bank	3.90%	$0
Chase Bank vs BMO Alto	3.25%	$0
Chase Bank vs BrioDirect	4.00%	$5,000
Chase Bank vs Capital One	3.40%	$0
Chase Bank vs Chime	3.50%	$0
Chase Bank vs CIT Bank	3.75%	$100
Chase Bank vs Citibank	3.30%	$0
Chase Bank vs Citizens Access™	3.35%	$0.01
Chase Bank vs Climate First Bank	4.21%	$50
Chase Bank vs Discover Bank	3.40%	$0
Chase Bank vs Elevault	4.08%	$0
Chase Bank vs EverBank	4.05%	$0
Chase Bank vs Fitness Bank	4.75%	$100
Chase Bank vs FNBO Direct	3.00%	$1
Chase Bank vs Forbright Bank	4.00%	$0
Chase Bank vs FVCbank	3.85%	$500
Chase Bank vs GO2bank	4.50%	$0
Chase Bank vs Ivy Bank	4.25%	$2,500
Chase Bank vs LendingClub	4.20%	$0
Chase Bank vs Marcus by Goldman Sachs	3.65%	$0
Chase Bank vs Neighbors Bank	4.50%	$0
Chase Bank vs Newtek Bank	4.35%	$0.01
Chase Bank vs Openbank	4.20%	$500
Chase Bank vs Peak Bank	4.20%	$100
Chase Bank vs Pibank	4.60%	$0
Chase Bank vs PNC	3.53%	$0
Chase Bank vs Quontic Bank	3.75%	$100
Chase Bank vs Salem Five Direct	3.71%	$10
Chase Bank vs Santander Bank	0.01%	$25
Chase Bank vs SoFi Bank	4.30%	$0
Chase Bank vs Synchrony Bank	3.65%	$0
Chase Bank vs TIMBR	4.40%	$1,000
Chase Bank vs UFB Direct	3.71%	$5000
Chase Bank vs Valley Direct	4.10%	$1,000
Chase Bank vs Varo Bank	5.00%	$0
Chase Bank vs Vio Bank	4.16%	$100
Chase Bank vs Wealthfront	4.15%	$0
Chase Bank vs Wells Fargo	0.05%	$25
Chase Bank vs Zynlo Bank	4.05%	$10

Compare Presidential Bank's APY of 4.00% with other banks

Bank Pair	Competitor APY	Min Deposit
Presidential Bank vs Ally Bank	3.30%	$0
Presidential Bank vs American Express	3.40%	$0
Presidential Bank vs Axos Bank	4.31%	$0
Presidential Bank vs Bank of America	0.01%	$100
Presidential Bank vs Barclays	4.00%	$0
Presidential Bank vs Bask Bank	3.90%	$0
Presidential Bank vs BMO Alto	3.25%	$0
Presidential Bank vs BrioDirect	4.00%	$5,000
Presidential Bank vs Capital One	3.40%	$0
Presidential Bank vs Chime	3.50%	$0
Presidential Bank vs CIT Bank	3.75%	$100
Presidential Bank vs Citibank	3.30%	$0
Presidential Bank vs Citizens Access™	3.35%	$0.01
Presidential Bank vs Climate First Bank	4.21%	$50
Presidential Bank vs Discover Bank	3.40%	$0
Presidential Bank vs Elevault	4.08%	$0
Presidential Bank vs EverBank	4.05%	$0
Presidential Bank vs Fitness Bank	4.75%	$100
Presidential Bank vs FNBO Direct	3.00%	$1
Presidential Bank vs Forbright Bank	4.00%	$0
Presidential Bank vs FVCbank	3.85%	$500
Presidential Bank vs GO2bank	4.50%	$0
Presidential Bank vs Ivy Bank	4.25%	$2,500
Presidential Bank vs LendingClub	4.20%	$0
Presidential Bank vs Marcus by Goldman Sachs	3.65%	$0
Presidential Bank vs Neighbors Bank	4.50%	$0
Presidential Bank vs Newtek Bank	4.35%	$0.01
Presidential Bank vs Openbank	4.20%	$500
Presidential Bank vs Peak Bank	4.20%	$100
Presidential Bank vs Pibank	4.60%	$0
Presidential Bank vs PNC	3.53%	$0
Presidential Bank vs Quontic Bank	3.75%	$100
Presidential Bank vs Salem Five Direct	3.71%	$10
Presidential Bank vs Santander Bank	0.01%	$25
Presidential Bank vs SoFi Bank	4.30%	$0
Presidential Bank vs Synchrony Bank	3.65%	$0
Presidential Bank vs TIMBR	4.40%	$1,000
Presidential Bank vs UFB Direct	3.71%	$5000
Presidential Bank vs Valley Direct	4.10%	$1,000
Presidential Bank vs Varo Bank	5.00%	$0
Presidential Bank vs Vio Bank	4.16%	$100
Presidential Bank vs Wealthfront	4.15%	$0
Presidential Bank vs Wells Fargo	0.05%	$25
Presidential Bank vs Zynlo Bank	4.05%	$10