Chase Bank vs. Presidential Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Chase Bank vs. Presidential Bank
Key Metrics at a Glance
| Feature | Chase Bank | Presidential Bank |
|---|---|---|
| Top Savings APY | 0.01% Chase Savings℠ | 4.25% Advantage Savings |
| Minimum to Open | $0 | $5,000 |
| Minimum Balance for Top APY | $0 | N/A |
| 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. |
Chase Bank
Strengths
- Chase Bank has no minimum deposit requirement for the Chase Savings℠ account.
- Chase Bank charges a lower maintenance fee of $5 compared to Presidential Bank's higher fees.
- Chase Bank offers a higher App Store rating of 4.8 compared to Presidential Bank's 4.8.
Potential Drawbacks
- Chase Bank's current APY is only 0.01%, significantly lower than Presidential Bank's 4.25%.
- Chase Bank has a maintenance fee that can be waived only under specific conditions.
Presidential Bank
Strengths
- Presidential Bank offers a competitive APY of 4.25%, higher than Chase Bank's 0.01%.
- Presidential Bank has 10 physical branches, providing more in-person banking options.
Potential Drawbacks
- Presidential Bank requires a minimum deposit of $5,000 for the Advantage Savings account.
- Presidential Bank's App Store rating is lower at 4.1 compared to Chase Bank's 4.8.
→ As of November 12, 2025 Chase Bank offers an APY of 0.01% for its Chase Savings℠ account, with a minimum balance of $0, compared to Presidential Bank's 4.25% APY for its Advantage Savings account, with a minimum balance of N/A.
→ Presidential Bank yields $424 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, while Presidential Bank pays $425 - an APY advantage for Presidential Bank.
Calculate Savings Growth for Chase Bank vs Presidential Bank
Chase Bank - Chase Savings℠
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
Total balance: $18,005.7
Earnings: $5.7
Bank OverviewPresidential Bank - Advantage Savings
Total savings breakdown:
- Interest earned: $2,596.8 (12.61%)
- Total contributions: $13,000 (63.12%)
- Initial deposit: $5,000 (24.28%)
Your total balance
$20,596.80
Total balance: $20,596.8
Earnings: $2,596.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Chase Bank's total earnings would be $2,591.1 lower than Presidential Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Chase Bank's vs Presidential Bank's Savings Accounts
| Chase Bank | Presidential Bank | ||
|---|---|---|---|
| Product | Chase Savings℠ | vs | Advantage Savings |
| APY | 0.01% (as of 11/12/2025) | 3.75% - 4.25% (as of 11/12/2025) | |
| Bundled Account | No | Yes | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | No | |
| Compound Frequency | Monthly | Monthly | |
| Minimum Deposit | $0 | $5,000 | |
| Minimum Balance for APY | $0 | N/A | |
| Maintenance Fee | $5 | $0 | |
| Direct Deposit Required | No | Yes. To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. | |
| 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. | ||
| App Store Rating | 4.8/5 | 4.8/5 | |
| Google Play Rating | 4.6/5 | 4.1/5 | |
| BBB Rating | A- | A- |
Comparative Historical APY Insights (Last 9 Months)
| Chase Bank | Presidential Bank | ||
|---|---|---|---|
| Product | Chase Savings℠ | vs | Advantage Savings |
| Latest APY | 0.01 % | 4.25 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | -0.5 | |
| Rate Changes / Mo | 0.00 | 0.10 | |
| Days Since Last Change | 287 | 7 | |
| High (-9 m) | 0.01 % | 4.50 % | |
| Low (-9 m) | 0.01 % | 4.25 % | |
| Draw-down from High | 0.0 % | -5.6 % | |
| Volatility (CV) | 0.000 | 0.010 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 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 (-9 m)
- Highest APY in the last 288 days.
- Low (-9 m)
- Lowest APY in the last 288 days.
- Draw-down from High
- How far today sits below the 9-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.