Chime vs. Jenius Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | ChimeChime High-Yield Savings Account Feb 21, 2026 | Jenius BankJenius Savings Jan 9, 2026 |
|---|---|---|
| APY | 0.75% - 3.00% | 4.05% |
Est. Earnings | $5,000+$150 $10,000+$300 $25,000+$750 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | As of Jan 9, 2026, Jenius Bank is winding down its U.S. digital banking operations. As a result, no new applications for savings accounts or loans will be accepted. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDirect Deposit ReqChecking BundleDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsDaily 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 Chime vs. Jenius Bank
Executive Summary
Chime offers a competitive High-Yield Savings Account with an APY of 3.00%, which requires a qualifying direct deposit of $200 or more within the preceding 34 days. This account is online-only, has no maintenance fees, and allows for a minimum balance of just $0.01. In contrast, Jenius Bank currently does not provide any products for comparison. Therefore, Chime stands out as the clear choice for savers looking for a high-yield option.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Chime?
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.8 vs 3.7)
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.00%) on all balances
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $300/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $750/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
ChimeChime offers an iOS app rated 4.8 (vs. 4.0) and Android app rated 4.8 (vs. 3.7)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $105 more interest on a $10,000 balance than Chime's Chime High-Yield Savings Account.
*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
Chime vs. Jenius Bank Savings Calculator
You earn $105 more with Jenius Bank than Chime 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.
Chime
Chime High-Yield Savings Account
Savings Breakdown
- Interest Earned+$300.00(2.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,300.00
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $299 per year in interest.
Both Chime and Jenius Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Chime | Jenius Bank |
|---|---|---|
| APY | 3.00% Range: 0.75% - 3.00% Verified: 2/21/2026 ↘︎ 0.50%90d Change | 4.05% Verified: 1/9/2026 ↘︎ 0.15%90d Change |
| Product Name | Chime High-Yield Savings Account | Jenius Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | None |
| Direct Deposit Req. | RequiredYou need to receive a qualifying direct deposit of $200 or more within the preceding 34 days | None |
| Checking Bundle | Yes | No |
| Mobile Apps | ||
| FDIC Insured | Yes | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | - | As of Jan 9, 2026, Jenius Bank is winding down its U.S. digital banking operations. As a result, no new applications for savings accounts or loans will be accepted. |
| Next Steps | Visit SiteVerify at Chime Non-sponsored link to official site | Visit SiteVerify at Jenius Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Chime | Jenius Bank |
|---|---|---|
| Chime High-Yield Savings Account | Jenius Savings | |
Current APY | 3.00% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | 6.2 | -2.6 |
Days Since Change | -21 | 52 |
11-Month High | 3.75% | 4.50% |
11-Month Low | 2.00% | 4.05% |
Adjustments / Mo | 0.26 | 0.17 |
Volatility Score | 0.173 | 0.028 |
How to read these metrics(Click to expand)
Compare Similar Alternatives
Compare Chime vs...
Comparing against other Bundled Accounts
Compare Jenius Bank vs...
Comparing against Standard Savings
More Comparisons
Compare Chime's APY of 3.00% with other banks
Compare Jenius Bank's APY of 4.05% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Jenius Bank vs Ally Bank | 3.20% | $0 |
| Jenius Bank vs American Express | 3.30% | $0 |
| Jenius Bank vs Axos Bank | 4.21% | $0 |
| Jenius Bank vs Bank of America | 0.01% | $100 |
| Jenius Bank vs Barclays | 3.85% | $0 |
| Jenius Bank vs Capital One | 3.30% | $0 |
| Jenius Bank vs Chase Bank | 0.01% | $0 |
| Jenius Bank vs CIT Bank | 3.75% | $100 |
| Jenius Bank vs Citibank | 3.20% | $0 |
| Jenius Bank vs Discover Bank | 3.30% | $0 |
| Jenius Bank vs EverBank | 3.90% | $0 |
| Jenius Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Jenius Bank vs Newtek Bank | 4.20% | $0.01 |
| Jenius Bank vs Openbank | 4.09% | $500 |
| Jenius Bank vs Pibank | 4.60% | $0 |
| Jenius Bank vs SoFi Bank | 4.00% | $0 |
| Jenius Bank vs Synchrony Bank | 3.50% | $0 |
| Jenius Bank vs Varo Bank | 5.00% | $0 |
| Jenius Bank vs Wealthfront | 3.95% | $0 |
| Jenius Bank vs Wells Fargo | 0.05% | $25 |