Chase Bank vs. TIMBR
Comparing Chase Bank and TIMBR for savings: Chase Bank's Chase Savings℠ pays 0.01% APY while TIMBR's Premium Savings Account pays 4.15% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? TIMBR pays $414 more than Chase Bank annually ($415 vs $1).
Choose Chase Bank if you value in-person banking, you're an iPhone user (no iOS app for TIMBR), you're an Android user (no Android app for TIMBR), or you want Zelle for quick transfers. Choose TIMBR if getting the best rate matters most.
| Metric | Chase BankChase Savings℠ Mar 7, 2026 | TIMBRPremium Savings Account Mar 7, 2026 |
|---|---|---|
| APY | 0.01% | 4.15% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$208 $10,000+$415 $25,000+$1,038 |
Min Deposit | $0 | $1,000 |
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® SupportedStable Rate | FDIC InsuredLow MinimumsDaily CompoundingStable Rate |
Comparison Analysis
Comparing Chase Bank vs. TIMBR
Executive Summary
TIMBR offers a significant advantage with its Premium Savings Account, providing a competitive APY of 4.15%, compared to Chase Bank's Chase Savings℠, which yields only 0.01%. TIMBR's account requires a minimum deposit of $1,000 but has no maintenance fees, while Chase imposes a $5 fee that can be waived under certain conditions. Additionally, TIMBR's account is online-only, making it a straightforward option without the need for a checking account or direct deposit. In contrast, Chase Bank is noted for its superior mobile app experience, but the stark difference in APY makes TIMBR the clear winner for those seeking higher returns.
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.)
- ✓Higher rated iOS app (4.8 vs 0.0)
- ✓Higher rated Android app (4.7 vs 0.0)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
Why TIMBR?
- ✓Higher potential APY (4.15% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
TIMBRTIMBR's Premium Savings Account earns more on smaller deposits (approx. $415 vs $1/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1038 vs $3/yr).
Best for Simplicity
TIMBRTIMBR's Premium Savings Account offers 4.15% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Chase BankChase Bank offers an iOS app rated 4.8 (vs. 0.0) and Android app rated 4.7 (vs. 0.0)
Shared Benefits
Over a 1-year period, TIMBR's Premium Savings Account pays $414 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Chase Bank vs. TIMBR Savings Calculator
You earn $414 more with TIMBR 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
TIMBR
Premium Savings Account
Savings Breakdown
- Interest Earned+$415.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,415.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Chase Bank | TIMBR |
|---|---|---|
| APY | 0.01% Verified: 3/7/2026 Stable (90d) | 4.15% Verified: 3/7/2026 ↘︎ 0.25%90d Change |
| Product Name | Chase Savings℠ | Premium Savings Account |
| Minimum Deposit | $0 | $1,000 |
| 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. | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS- Android- | |
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. | Not Supported |
| 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 TIMBR Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Chase Bank | TIMBR |
|---|---|---|
| Chase Savings℠ | Premium Savings Account | |
Current APY | 0.01% | 4.15% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | -2.4 |
Days Since Change | 365 | 58 |
12-Month High | 0.01% | 4.55% |
12-Month Low | 0.01% | 4.15% |
Adjustments / Mo | 0.00 | 0.16 |
Volatility Score | 0.000 | 0.026 |
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 TIMBR's APY of 4.15% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| TIMBR vs Ally Bank | 3.20% | $0 |
| TIMBR vs American Express | 3.30% | $0 |
| TIMBR vs Axos Bank | 4.21% | $0 |
| TIMBR vs Bank of America | 0.01% | $100 |
| TIMBR vs Barclays | 3.85% | $0 |
| TIMBR vs Capital One | 3.30% | $0 |
| TIMBR vs Chime | 3.00% | $0 |
| TIMBR vs CIT Bank | 3.75% | $100 |
| TIMBR vs Citibank | 3.20% | $0 |
| TIMBR vs Discover Bank | 3.30% | $0 |
| TIMBR vs EverBank | 3.90% | $0 |
| TIMBR vs Marcus by Goldman Sachs | 3.65% | $0 |
| TIMBR vs Newtek Bank | 4.20% | $0.01 |
| TIMBR vs Openbank | 4.09% | $500 |
| TIMBR vs Pibank | 4.60% | $0 |
| TIMBR vs SoFi Bank | 4.00% | $0 |
| TIMBR vs Synchrony Bank | 3.50% | $0 |
| TIMBR vs Varo Bank | 5.00% | $0 |
| TIMBR vs Wealthfront | 4.20% | $0 |
| TIMBR vs Wells Fargo | 0.05% | $25 |