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 Jan 7, 2026 | Jenius BankJenius Savings Jan 7, 2026 |
|---|---|---|
| APY | 1.00% - 3.50% | 4.05% |
Est. Earnings | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDirect Deposit ReqChecking Bundle | FDIC InsuredNo Minimums |
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 Chime vs. Jenius Bank
As of Chime offers an APY of 3.50% for its Chime High-Yield Savings Account, with a minimum balance of $0.01, compared to Jenius Bank's 4.05% APY for its Jenius Savings account, with a minimum balance of $0.
Jenius Bank pays $55 more than Chime on a $10,000 balance after one year. Chime pays $350, while Jenius Bank pays $405 - an APY advantage for Jenius Bank.
Why Chime?
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.8 vs 3.6)
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.50%) 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 $350/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $875/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. 3.6)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $55 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.
Executive Summary as of
Jenius Bank offers a Jenius Savings account with a competitive APY of 4.05%, making it the superior choice compared to Chime's High-Yield Savings Account, which has an APY of 3.50%. Jenius Bank's account does not require a direct deposit, providing greater flexibility, while Chime requires a qualifying direct deposit of $200 or more within the preceding 34 days. Both accounts have no minimum deposit or maintenance fees and are online-only. For those seeking simplicity and higher returns, Jenius Bank stands out as the better option.
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
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Top Market Contenders
Chime vs. Jenius Bank Savings Calculator
You earn $55 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+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
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.
| Feature | Chime | Jenius Bank |
|---|---|---|
| APY | 3.50% Range: 1.00% - 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change | 4.05% Verified: 1/7/2026 ↘︎ 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 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| 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 | iOS4.8 Android4.8 | iOS4.0 Android3.6 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| 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 | 3.50% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | 9.5 | -2.6 |
Days Since Change | 83 | 50 |
11-Month High | 3.75% | 4.50% |
11-Month Low | 2.00% | 4.05% |
Adjustments / Mo | 0.18 | 0.18 |
Volatility Score | 0.180 | 0.028 |
How to read these metrics(Click to expand)
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