High-Yield Savings Account Comparison

Chase Bank vs. Santander Bank

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

Analysis by Aviel Fahl
Updated January 21, 2026
Comparison of Chase Bank vs Santander Bank savings accounts
Metric

Chase Bank

Chase Savings℠

Jan 21, 2026

Santander Bank

Santander Savings

Jan 21, 2026
APY0.01%0.01%
Est. Earnings
$5,000+$1
$10,000+$1
$25,000+$3
$5,000+$1
$10,000+$1
$25,000+$3
Min Deposit
$0$25

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 InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

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.

See Top Rates

Comparison Analysis

Comparing Chase Bank vs. Santander Bank

Updated: Jan 21, 2026

As of both Chase Bank (Chase Savings℠) and Santander Bank (Santander Savings) offer an APY of 0.01% .

Both banks yield $1 in interest on a $10,000 balance after one year. Neither has an APY advantage, so consider other features (fees, access, app ratings, etc.) when choosing.

Why Chase Bank?

  • No checking account or direct deposit required
  • Higher rated Android app (4.7 vs 4.0)

Why Santander Bank?

  • Physical branch access (Primarily in the Northeast and Miami, Florida)

Shared Benefits

Fast transfers via Zelle® Available Nationwide Available to New & Existing Customers

Executive Summary as of

Chase Bank and Santander Bank both offer savings accounts with a competitive APY of 0.01%. Chase's savings account, the Chase Savings℠, has a $0 minimum deposit requirement and a monthly maintenance fee of $5, which can be waived under certain conditions. In contrast, Santander's Savings account requires a minimum deposit of $25 and has a lower maintenance fee of $1. Both accounts do not require direct deposit and are not online-only, providing flexibility for customers. Overall, their rates are comparable, making either option viable depending on individual preferences.

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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Chase Bank

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Verify At
Santander Bank

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Top Market Contenders

Marcus by Goldman Sachs
3.65% APY
American Express
3.30% APY

Chase Bank vs. Santander Bank Savings Calculator

Calculations based on current APY for Chase Savings℠ and Santander Savings
$
$

Both accounts earn exactly the same amount.

Chase Bank

Chase Savings℠

0.01% APY

Savings Breakdown

  • Interest Earned
    +$1.00(0.0%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,001.00

Effective APY
0.01%

Santander Bank

Santander Savings

0.01% APY

Savings Breakdown

  • Interest Earned
    +$1.00(0.0%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,001.00

Effective APY
0.01%

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

FeatureChase BankSantander Bank
APY
0.01%
Verified: 1/21/2026
Stable (90d)
0.01%
Verified: 1/21/2026
Stable (90d)
Product NameChase Savings℠Santander Savings
Minimum Deposit$0$25
Min. Balance for APY$0$0
Monthly Fee$5$1
Branch AccessYesYes
Account Type
Online & Branches
Online & Branches
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.8
Android4.7
iOS4.8
Android4.0
Zelle® Support
Available
Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k.
Available
Branch-based retail accounts only.
BBB RatingA-Not Rated
Important NotesAPY 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
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📈 Compare Savings Rates Over Time

Historical Performance

Last 12 Months Analysis
MetricChase BankSantander Bank
Chase Savings℠Santander Savings
Current APY
0.01%0.01%
Trend
Stable Stable
Velocity (bps/mo)
0.0-0.2
Days Since Change
357124
12-Month High
0.01%0.03%
12-Month Low
0.01%0.01%
Adjustments / Mo
0.000.08
Volatility Score
0.0000.453
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 357-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.

More Comparisons

Compare Chase Bank's APY of 0.01% with other banks
Bank PairCompetitor APYMin Deposit
Chase Bank vs Affirm3.20%$0
Chase Bank vs Ally Bank3.30%$0
Chase Bank vs American Express3.30%$0
Chase Bank vs Axos Bank4.31%$0
Chase Bank vs Bank of America0.01%$100
Chase Bank vs Barclays4.00%$0
Chase Bank vs Bask Bank3.75%$0
Chase Bank vs Betterment3.25%$10
Chase Bank vs BMO Alto3.25%$0
Chase Bank vs Bread Savings4.00%$100
Chase Bank vs BrioDirect3.75%$5,000
Chase Bank vs Capital One3.30%$0
Chase Bank vs Carver Bank4.00%$5,000
Chase Bank vs Charles Schwab Bank0.15%$0
Chase Bank vs Chime3.50%$0
Chase Bank vs CIT Bank3.75%$100
Chase Bank vs Citibank3.30%$0
Chase Bank vs Citizens Access™3.15%$0.01
Chase Bank vs Climate First Bank4.21%$50
Chase Bank vs Colorado Federal Savings Bank4.05%$50,000
Chase Bank vs Discover Bank3.30%$0
Chase Bank vs E*TRADE from Morgan Stanley3.50%$0
Chase Bank vs Elevault3.82%$0
Chase Bank vs EverBank3.90%$0
Chase Bank vs Fitness Bank4.75%$100
Chase Bank vs FNBO Direct3.00%$1
Chase Bank vs Forbright Bank3.85%$0
Chase Bank vs FVCbank3.85%$500
Chase Bank vs GO2bank4.50%$0
Chase Bank vs Ivy Bank4.00%$2,500
Chase Bank vs Jenius Bank4.05%$0
Chase Bank vs LendingClub4.00%$0
Chase Bank vs Marcus by Goldman Sachs3.65%$0
Chase Bank vs MutualOne Bank4.07%$20,000
Chase Bank vs My Banking Direct4.02%$500
Chase Bank vs Neighbors Bank4.20%$0
Chase Bank vs Newtek Bank4.35%$0.01
Chase Bank vs Openbank4.20%$500
Chase Bank vs Peak Bank3.99%$100
Chase Bank vs Pibank4.60%$0
Chase Bank vs PNC3.30%$0
Chase Bank vs Popular Direct3.90%$100
Chase Bank vs Presidential Bank3.75%$5,000
Chase Bank vs Quontic Bank3.50%$100
Chase Bank vs Salem Five Direct3.61%$10
Chase Bank vs Sallie Mae Bank3.90%$0
Chase Bank vs SoFi Bank4.00%$0
Chase Bank vs Synchrony Bank3.65%$0
Chase Bank vs TD Bank2.36%$0
Chase Bank vs TIMBR4.15%$1,000
Chase Bank vs UFB Direct3.46%$5000
Chase Bank vs Upgrade3.05%$0
Chase Bank vs Valley Direct4.00%$1,000
Chase Bank vs Varo Bank5.00%$0
Chase Bank vs Vio Bank4.09%$100
Chase Bank vs Wealthfront3.90%$0
Chase Bank vs Wells Fargo0.05%$25
Chase Bank vs Zynlo Bank3.85%$10
Compare Santander Bank's APY of 0.01% with other banks
Bank PairCompetitor APYMin Deposit
Santander Bank vs Affirm3.20%$0
Santander Bank vs Ally Bank3.30%$0
Santander Bank vs American Express3.30%$0
Santander Bank vs Axos Bank4.31%$0
Santander Bank vs Bank of America0.01%$100
Santander Bank vs Barclays4.00%$0
Santander Bank vs Bask Bank3.75%$0
Santander Bank vs Betterment3.25%$10
Santander Bank vs BMO Alto3.25%$0
Santander Bank vs Bread Savings4.00%$100
Santander Bank vs BrioDirect3.75%$5,000
Santander Bank vs Capital One3.30%$0
Santander Bank vs Carver Bank4.00%$5,000
Santander Bank vs Charles Schwab Bank0.15%$0
Santander Bank vs Chime3.50%$0
Santander Bank vs CIT Bank3.75%$100
Santander Bank vs Citibank3.30%$0
Santander Bank vs Citizens Access™3.15%$0.01
Santander Bank vs Climate First Bank4.21%$50
Santander Bank vs Colorado Federal Savings Bank4.05%$50,000
Santander Bank vs Discover Bank3.30%$0
Santander Bank vs E*TRADE from Morgan Stanley3.50%$0
Santander Bank vs Elevault3.82%$0
Santander Bank vs EverBank3.90%$0
Santander Bank vs Fitness Bank4.75%$100
Santander Bank vs FNBO Direct3.00%$1
Santander Bank vs Forbright Bank3.85%$0
Santander Bank vs FVCbank3.85%$500
Santander Bank vs GO2bank4.50%$0
Santander Bank vs Ivy Bank4.00%$2,500
Santander Bank vs Jenius Bank4.05%$0
Santander Bank vs LendingClub4.00%$0
Santander Bank vs Marcus by Goldman Sachs3.65%$0
Santander Bank vs MutualOne Bank4.07%$20,000
Santander Bank vs My Banking Direct4.02%$500
Santander Bank vs Neighbors Bank4.20%$0
Santander Bank vs Newtek Bank4.35%$0.01
Santander Bank vs Openbank4.20%$500
Santander Bank vs Peak Bank3.99%$100
Santander Bank vs Pibank4.60%$0
Santander Bank vs PNC3.30%$0
Santander Bank vs Popular Direct3.90%$100
Santander Bank vs Presidential Bank3.75%$5,000
Santander Bank vs Quontic Bank3.50%$100
Santander Bank vs Salem Five Direct3.61%$10
Santander Bank vs Sallie Mae Bank3.90%$0
Santander Bank vs SoFi Bank4.00%$0
Santander Bank vs Synchrony Bank3.65%$0
Santander Bank vs TD Bank2.36%$0
Santander Bank vs TIMBR4.15%$1,000
Santander Bank vs UFB Direct3.46%$5000
Santander Bank vs Upgrade3.05%$0
Santander Bank vs Valley Direct4.00%$1,000
Santander Bank vs Varo Bank5.00%$0
Santander Bank vs Vio Bank4.09%$100
Santander Bank vs Wealthfront3.90%$0
Santander Bank vs Wells Fargo0.05%$25
Santander Bank vs Zynlo Bank3.85%$10