Chase Bank vs. Wealthfront
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Chase Bank vs. Wealthfront
Key Metrics at a Glance
| Feature | Chase Bank | Wealthfront |
|---|---|---|
| Top Savings APY | 0.01% Chase Savings℠ | 4.15% Cash Account |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
| Note | 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 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. |
Chase Bank
Strengths
- Chase Bank has an A- BBB rating, indicating better trustworthiness.
- Chase Savings℠ account has no minimum deposit or balance requirement.
- Chase Bank has a strong App Store rating of 4.8.
Potential Drawbacks
- Chase Savings℠ offers a low APY of 0.01%, unchanged from 30 days ago.
- Chase Bank charges a $5 maintenance fee unless conditions are met.
Wealthfront
Strengths
- Wealthfront offers a competitive APY of 4.15% for new clients.
- Wealthfront has no maintenance fees for its Cash Account.
- Wealthfront's Google Play rating is high at 4.9.
Potential Drawbacks
- Wealthfront has an F BBB rating and is not BBB Accredited.
- Wealthfront's APY drops to 3.50% after 3 months for new clients.
→ As of November 12, 2025 Chase Bank offers an APY of 0.01% for its Chase Savings℠ account, with a minimum balance of $0, compared to Wealthfront's 4.15% APY for its Cash Account, with a minimum balance of $0.
→ Wealthfront yields $414 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, while Wealthfront pays $415 - an APY advantage for Wealthfront.
Calculate Savings Growth for Chase Bank vs Wealthfront
Chase Bank - Chase Savings℠
Total savings breakdown:
- Interest earned: $5.7 (0.03%)
- Total contributions: $13,000 (72.20%)
- Initial deposit: $5,000 (27.77%)
Your total balance
$18,005.70
Total balance: $18,005.7
Earnings: $5.7
Bank OverviewWealthfront - Cash Account
Total savings breakdown:
- Interest earned: $2,531.8 (12.33%)
- Total contributions: $13,000 (63.32%)
- Initial deposit: $5,000 (24.35%)
Your total balance
$20,531.80
Total balance: $20,531.8
Earnings: $2,531.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Chase Bank's total earnings would be $2,526.1 lower than Wealthfront's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Chase Bank's vs Wealthfront's Savings Accounts
| Chase Bank | Wealthfront | ||
|---|---|---|---|
| Product | Chase Savings℠ | vs | Cash Account |
| APY | 0.01% (as of 11/12/2025) | 3.50% - 4.15% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $5 | $0 | |
| Direct Deposit Required | No | No | |
| Note | 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 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. | |
| App Store Rating | 4.8/5 | 4.8/5 | |
| Google Play Rating | 4.6/5 | 4.9/5 | |
| BBB Rating | A- | F |
No historical data available.