Chase Bank vs. Presidential Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Chase BankChase Savings℠ Jan 21, 2026 | Presidential BankAdvantage Savings Jan 21, 2026 |
|---|---|---|
| APY | 0.01% | 3.25% - 3.75% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$188 $10,000+$375 $25,000+$938 |
Min Deposit | $0 | $5,000 |
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. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedDirect Deposit ReqChecking Bundle |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Chase Bank vs. Presidential Bank
As of Chase Bank offers an APY of 0.01% for its Chase Savings℠ account, with a minimum balance of $0, compared to Presidential Bank's 3.75% APY for its Advantage Savings account, with a minimum balance of N/A.
Presidential Bank pays $374 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, while Presidential Bank pays $375 - an APY advantage for Presidential Bank.
Why Chase Bank?
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.7 vs 4.2)
Why Presidential Bank?
- ✓Higher potential APY (3.75% vs 0.01%) (requires checking bundle & direct deposit)
- ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
— Key Feature Differences —
Better Returns at $10,000
Presidential BankPresidential Bank's Advantage Savings earns more on smaller deposits (approx. $375 vs $1/yr).
Better Returns at $25,000
Presidential BankPresidential Bank's Advantage Savings pulls ahead with larger amounts (approx. $938 vs $3/yr).
Best for All-in-One Banking
Presidential BankPresidential Bank's Advantage Savings pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Presidential Bank's Advantage Savings pays $374 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
Presidential Bank offers a significant advantage with its Advantage Savings account, boasting an APY of 3.75%. To qualify for this rate, customers must have a monthly direct deposit of $500 into an Advantage Checking Account, with a minimum deposit requirement of $5,000. In contrast, Chase Bank's Chase Savings℠ account provides a much lower APY of 0.01%, with no direct deposit requirement and a minimum deposit of $0. While Chase offers a more accessible option, the substantial difference in APY makes Presidential Bank the clear winner for those who can meet the eligibility criteria.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
Chase Bank vs. Presidential Bank Savings Calculator
You earn $374 more with Presidential 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
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Chase Bank | Presidential Bank |
|---|---|---|
| APY | 0.01% Verified: 1/21/2026 Stable (90d) | 3.75% Range: 3.25% - 3.75% Verified: 1/21/2026 ↘︎ 0.75%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 Android4.7 | iOS4.8 Android4.2 |
| Zelle® Support | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. | Available Native integration; Advantage Savings supports Zelle. |
| 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 | Visit SiteVerify at Chase Bank Non-sponsored link to official site | Visit SiteVerify at Presidential Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Chase Bank | Presidential Bank |
|---|---|---|
| Chase Savings℠ | Advantage Savings | |
Current APY | 0.01% | 3.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -5.7 |
Days Since Change | 357 | 35 |
12-Month High | 0.01% | 4.50% |
12-Month Low | 0.01% | 3.75% |
Adjustments / Mo | 0.00 | 0.25 |
Volatility Score | 0.000 | 0.063 |
How to read these metrics(Click to expand)
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