Chase Bank vs. Quontic Bank
Comparing Chase Bank and Quontic Bank for savings: Chase Bank's Chase Savings℠ pays 0.01% APY while Quontic Bank's High Yield Savings pays 3.50% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Quontic Bank pays $349 more than Chase Bank annually ($350 vs $1).
Choose Chase Bank if you value in-person banking. Choose Quontic Bank if getting the best rate matters most.
| Metric | Chase BankChase Savings℠ Feb 21, 2026 | Quontic BankHigh Yield Savings Feb 21, 2026 |
|---|---|---|
| APY | 0.01% | 3.50% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0 | $100 |
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® SupportedStable Rate | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Chase Bank vs. Quontic Bank
Executive Summary
Quontic Bank offers a High Yield Savings account with a competitive APY of 3.50%, significantly higher than Chase Bank's Chase Savings℠, which yields only 0.01%. Quontic's account requires a minimum deposit of $100 but has no maintenance fees, and it is an online-only product. In contrast, Chase's account has a $5 maintenance fee that can be waived under certain conditions. While both banks do not require direct deposit, Quontic's account stands out for its simplicity and higher returns, making it the clear winner for savers seeking better interest rates.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Chase Bank?
- ✓Physical branch access (Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii.)
Why Quontic Bank?
- ✓Higher potential APY (3.50% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
Quontic BankQuontic Bank's High Yield Savings earns more on smaller deposits (approx. $350 vs $1/yr).
Better Returns at $25,000
Quontic BankQuontic Bank's High Yield Savings pulls ahead with larger amounts (approx. $875 vs $3/yr).
Best for Simplicity
Quontic BankQuontic Bank's High Yield Savings offers 3.50% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Quontic Bank's High Yield Savings pays $349 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.
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Top Market Contenders
Chase Bank vs. Quontic Bank Savings Calculator
You earn $349 more with Quontic 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
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Chase Bank | Quontic Bank |
|---|---|---|
| APY | 0.01% Verified: 2/21/2026 Stable (90d) | 3.50% Verified: 2/21/2026 ↘︎ 0.25%90d Change |
| Product Name | Chase Savings℠ | High Yield Savings |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $5 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii. | None for banking. Loan offices only. |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. | Available Limit: $1,000/dayDigital-first bank with full native support. |
| 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 SiteGo to Quontic Bank * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Chase Bank | Quontic Bank |
|---|---|---|
| Chase Savings℠ | High Yield Savings | |
Current APY | 0.01% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -2.7 |
Days Since Change | 365 | 53 |
12-Month High | 0.01% | 3.85% |
12-Month Low | 0.01% | 3.50% |
Adjustments / Mo | 0.00 | 0.16 |
Volatility Score | 0.000 | 0.032 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Chase Bank's APY of 0.01% with other banks
Compare Quontic Bank's APY of 3.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Quontic Bank vs Ally Bank | 3.20% | $0 |
| Quontic Bank vs American Express | 3.30% | $0 |
| Quontic Bank vs Axos Bank | 4.21% | $0 |
| Quontic Bank vs Bank of America | 0.01% | $100 |
| Quontic Bank vs Barclays | 3.85% | $0 |
| Quontic Bank vs Capital One | 3.30% | $0 |
| Quontic Bank vs Chime | 3.00% | $0 |
| Quontic Bank vs CIT Bank | 3.75% | $100 |
| Quontic Bank vs Citibank | 3.20% | $0 |
| Quontic Bank vs Discover Bank | 3.30% | $0 |
| Quontic Bank vs EverBank | 3.90% | $0 |
| Quontic Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Quontic Bank vs Newtek Bank | 4.20% | $0.01 |
| Quontic Bank vs Openbank | 4.09% | $500 |
| Quontic Bank vs Pibank | 4.60% | $0 |
| Quontic Bank vs SoFi Bank | 4.00% | $0 |
| Quontic Bank vs Synchrony Bank | 3.50% | $0 |
| Quontic Bank vs Varo Bank | 5.00% | $0 |
| Quontic Bank vs Wealthfront | 3.95% | $0 |
| Quontic Bank vs Wells Fargo | 0.05% | $25 |