Chase Bank vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Chase BankChase Savings℠ Jan 7, 2026 | WealthfrontCash Account Jan 7, 2026 |
|---|---|---|
| APY | 0.01% | 3.25% - 3.90% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$171 $10,000+$341 $25,000+$853 |
Min Deposit | $0 | $0 |
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. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Chase Bank vs. Wealthfront
As of Chase Bank offers an APY of 0.01% for its Chase Savings℠ account, with a minimum balance of $0, compared to Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
Wealthfront pays $340 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, while Wealthfront pays $341 (with an effective APY of 3.41%) - an APY advantage for Wealthfront.
Why Chase Bank?
- ✓Fast transfers via Zelle® (up to $2,000 a day)
Why Wealthfront?
- ✓Higher potential APY (3.90% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
WealthfrontWealthfront's Cash Account earns more on smaller deposits (approx. $341 vs $1/yr).
Better Returns at $25,000
WealthfrontWealthfront's Cash Account pulls ahead with larger amounts (approx. $853 vs $3/yr).
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period (factoring in a 3-month promo), Wealthfront's Cash Account pays $340 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
*Wealthfront's calculation includes their 3-month introductory promotional rate and subsequent standard rate.
Executive Summary as of
Wealthfront offers a Cash Account with a competitive APY of 3.90%, significantly higher than Chase Bank's Chase Savings℠, which has an APY of just 0.01%. Wealthfront's account is online-only and requires no minimum deposit or maintenance fees, making it an attractive option for those seeking simplicity. Notably, new clients enjoy the higher APY for the first three months before it adjusts to 3.25%. In contrast, Chase's account has a maintenance fee of $5, although it can be waived under certain conditions. Overall, Wealthfront's Cash Account stands out as the superior choice for 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Chase Bank vs. Wealthfront Savings Calculator
You earn $341.5 more with Wealthfront 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
Wealthfront
Cash Account
Promo Rate: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$342.50(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,342.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Chase Bank | Wealthfront |
|---|---|---|
| APY | 0.01% Verified: 1/7/2026 Stable (90d) | 3.90% Range: 3.25% - 3.90% Verified: 1/7/2026 - |
| Product Name | Chase Savings℠ | Cash Account |
| Minimum Deposit | $0 | $0 |
| 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 | iOS4.8 Android4.9 |
| Zelle® Support | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. | Not Supported |
| BBB Rating | A- | F |
| 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. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at Chase Bank Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Chase Bank | Wealthfront |
|---|---|---|
| Chase Savings℠ | Cash Account | |
Current APY | 0.01% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | -19.4 |
Days Since Change | 54 | 19 |
2-Month High | 0.01% | 4.15% |
2-Month Low | 0.01% | 3.90% |
Adjustments / Mo | 0.00 | 0.55 |
Volatility Score | 0.000 | 0.030 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Chase Bank vs...
Comparing against Standard Savings
Compare Wealthfront vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.