Chase Bank vs. TIMBR
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Chase BankChase Savings℠ Jan 21, 2026 | TIMBRPremium Savings Account Jan 21, 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® Supported | FDIC InsuredLow Minimums |
Comparison Analysis
Comparing Chase Bank vs. TIMBR
As of Chase Bank offers an APY of 0.01% for its Chase Savings℠ account, with a minimum balance of $0, compared to TIMBR's 4.15% APY for its Premium Savings Account, with a minimum balance of $0.
TIMBR pays $414 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, while TIMBR pays $415 - an APY advantage for TIMBR.
Why Chase Bank?
- ✓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.
Executive Summary as of
TIMBR offers a superior Premium Savings Account with an APY of 4.15%, significantly higher than 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 or direct deposit requirements, making it an attractive option for savers. Additionally, it provides daily compounding interest, enhancing returns over time. In contrast, Chase's account has a $5 maintenance fee that can be waived under certain conditions, and it is not online-only, offering a mobile app rated highly for user experience. Overall, TIMBR stands out for its higher returns and simplicity.
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. 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: 1/21/2026 Stable (90d) | 4.15% Verified: 1/21/2026 ↘︎ 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 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.7 | iOS- Android- |
| 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 | -1.6 |
Days Since Change | 335 | 13 |
11-Month High | 0.01% | 4.55% |
11-Month Low | 0.01% | 4.15% |
Adjustments / Mo | 0.00 | 0.18 |
Volatility Score | 0.000 | 0.018 |
How to read these metrics(Click to expand)
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