Chase Bank vs. Vio Bank
Comparing Chase Bank and Vio Bank for savings: Chase Bank's Chase Savings℠ pays 0.01% APY while Vio Bank's Online Savings Account pays 4.03% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Vio Bank pays $402 more than Chase Bank annually ($403 vs $1).
Choose Chase Bank if you value in-person banking, you're an Android user, or you want Zelle for quick transfers. Choose Vio Bank if getting the best rate matters most.
| Metric | Chase BankChase Savings℠ Feb 21, 2026 | Vio BankOnline Savings Account Feb 21, 2026 |
|---|---|---|
| APY | 0.01% | 4.03% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$202 $10,000+$403 $25,000+$1,008 |
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 AppDaily 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. Vio Bank
Executive Summary
Vio Bank offers a competitive Online Savings Account with an APY of 4.03%, significantly higher than Chase Bank's Chase Savings℠, which yields only 0.01%. Vio Bank's account requires a minimum deposit of $100 but has no maintenance fees if electronic statements are selected, making it a straightforward choice for savers. In contrast, Chase Bank charges a $5 maintenance fee unless certain conditions are met. While Chase Bank is noted for its superior mobile app experience, Vio Bank stands out for its better returns and simplicity, with no direct deposit requirements or caps on earnings.
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 Android app (4.7 vs 3.4)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
Why Vio Bank?
- ✓Higher potential APY (4.03% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
Vio BankVio Bank's Online Savings Account earns more on smaller deposits (approx. $403 vs $1/yr).
Better Returns at $25,000
Vio BankVio Bank's Online Savings Account pulls ahead with larger amounts (approx. $1008 vs $3/yr).
Best for Simplicity
Vio BankVio Bank's Online Savings Account offers 4.03% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Chase BankChase Bank offers an iOS app rated 4.8 (vs. 4.6) and Android app rated 4.7 (vs. 3.4)
Shared Benefits
Over a 1-year period, Vio Bank's Online Savings Account pays $402 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. Vio Bank Savings Calculator
You earn $402 more with Vio 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
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$403.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,403.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Chase Bank | Vio Bank |
|---|---|---|
| APY | 0.01% Verified: 2/21/2026 Stable (90d) | 4.03% Verified: 2/21/2026 ↘︎ 0.13%90d Change |
| Product Name | Chase Savings℠ | Online Savings Account |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $5 | $0, if electronic statements selected, otherwise $5 |
| 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 |
| 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. | 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 Vio Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Chase Bank | Vio Bank |
|---|---|---|
| Chase Savings℠ | Online Savings Account | |
Current APY | 0.01% | 4.03% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -6.2 |
Days Since Change | 100 | 8 |
3-Month High | 0.01% | 4.21% |
3-Month Low | 0.01% | 4.02% |
Adjustments / Mo | 0.00 | 1.20 |
Volatility Score | 0.000 | 0.016 |
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 Vio Bank's APY of 4.03% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Vio Bank vs Ally Bank | 3.20% | $0 |
| Vio Bank vs American Express | 3.30% | $0 |
| Vio Bank vs Axos Bank | 4.21% | $0 |
| Vio Bank vs Bank of America | 0.01% | $100 |
| Vio Bank vs Barclays | 3.85% | $0 |
| Vio Bank vs Capital One | 3.30% | $0 |
| Vio Bank vs Chime | 3.00% | $0 |
| Vio Bank vs CIT Bank | 3.75% | $100 |
| Vio Bank vs Citibank | 3.20% | $0 |
| Vio Bank vs Discover Bank | 3.30% | $0 |
| Vio Bank vs EverBank | 3.90% | $0 |
| Vio Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Vio Bank vs Newtek Bank | 4.20% | $0.01 |
| Vio Bank vs Openbank | 4.09% | $500 |
| Vio Bank vs Pibank | 4.60% | $0 |
| Vio Bank vs SoFi Bank | 4.00% | $0 |
| Vio Bank vs Synchrony Bank | 3.50% | $0 |
| Vio Bank vs Varo Bank | 5.00% | $0 |
| Vio Bank vs Wealthfront | 3.95% | $0 |
| Vio Bank vs Wells Fargo | 0.05% | $25 |