Citibank vs. Vio Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Citibank vs. Vio Bank
Key Metrics at a Glance
| Feature | Citibank | Vio Bank |
|---|---|---|
| Top Savings APY | 3.35% Citi Accelerate Savings | 4.21% Online Savings Account |
| Minimum to Open | $0 | $100 |
| Minimum Balance for Top APY | $0.01 | $0 |
Citibank
Strengths
- Citi Accelerate Savings offers a competitive APY of 3.35%, though lower than 30 days ago.
- Citibank has a high App Store rating of 4.9.
- Citibank has a branch presence in major U.S. metropolitan areas.
Potential Drawbacks
- Citibank's BBB rating is D- and it is not BBB Accredited.
- Citi Accelerate Savings has a maintenance fee of $4.50 unless balance requirements are met.
- Citibank's Google Play rating is lower at 4.8.
Vio Bank
Strengths
- Vio Bank offers a higher APY of 4.21%, with no previous APY to compare.
- Vio Bank has an A+ BBB rating and is BBB Accredited.
- Vio Bank has no maintenance fees if electronic statements are selected.
Potential Drawbacks
- Vio Bank requires a minimum deposit of $100 to open an account.
- Vio Bank has no physical branches.
- Vio Bank's Google Play rating is lower at 3.3.
→ As of November 12, 2025 Citibank offers an APY of 3.35% for its Citi Accelerate Savings account, with a minimum balance of $0.01, compared to Vio Bank's 4.21% APY for its Online Savings Account, with a minimum balance of $0.
→ Vio Bank yields $86 more than Citibank on a $10,000 balance after one year. Citibank pays $335, while Vio Bank pays $421 - an APY advantage for Vio Bank.
→ In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account.
Calculate Savings Growth for Citibank vs Vio Bank
Citibank - Citi Accelerate Savings
Total savings breakdown:
- Interest earned: $2,018.8 (10.08%)
- Total contributions: $13,000 (64.94%)
- Initial deposit: $5,000 (24.98%)
Your total balance
$20,018.80
Total balance: $20,018.8
Earnings: $2,018.8
Bank OverviewVio Bank - Online Savings Account
Total savings breakdown:
- Interest earned: $2,570.8 (12.50%)
- Total contributions: $13,000 (63.20%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,570.80
Total balance: $20,570.8
Earnings: $2,570.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Citibank's total earnings would be $552 lower than Vio Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Citibank's vs Vio Bank's Savings Accounts
| Citibank | Vio Bank | |||
|---|---|---|---|---|
| Product | Citi Accelerate Savings | Citi® Savings Account | vs | Online Savings Account |
| APY | 3.35% (as of 11/12/2025) | 0.03% (as of 11/12/2025) | 4.21% (as of 11/12/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | No | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $100 | |
| Minimum Balance for APY | $0.01 | $0.01 | $0 | |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 | $4.50. Waived for average monthly balances > $500 | $0, if electronic statements selected, otherwise $5 | |
| Direct Deposit Required | No | No | No | |
| Eligibility | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. | California, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia (partial), Washington D.C., and select parts of Florida and Illinois. In addition, promotional rates may be available if requirements are met. | United States | |
| App Store Rating | 4.9/5 | 4.6/5 | ||
| Google Play Rating | 4.8/5 | 3.3/5 | ||
| BBB Rating | D- | A+ | ||
No historical data available.