EverBank vs. Jenius Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | EverBankPerformance Savings Jan 9, 2026 | Jenius BankJenius Savings Jan 9, 2026 |
|---|---|---|
| APY | 3.90% | 4.05% |
Est. Earnings | $5,000+$195 $10,000+$390 $25,000+$975 | $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 AppZelle® Supported | 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 4.20% APY.
Comparison Analysis
Comparing EverBank vs. Jenius Bank
As of EverBank offers an APY of 3.90% for its Performance Savings account, with a minimum balance of $0, compared to Jenius Bank's 4.05% APY for its Jenius Savings account, with a minimum balance of $0.
Jenius Bank pays $15 more than EverBank on a $10,000 balance after one year. EverBank pays $390, while Jenius Bank pays $405 - an APY advantage for Jenius Bank.
Why EverBank?
- ✓Physical branch access (11 locations in Florida and California)
- ✓Higher rated iOS app (4.6 vs 4.0)
- ✓Higher rated Android app (4.8 vs 3.6)
- ✓Fast transfers via Zelle®
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.90%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $390/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $975/yr).
Best Mobile App Experience
EverBankEverBank offers an iOS app rated 4.6 (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 $15 more interest on a $10,000 balance than EverBank's Performance Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Jenius Bank offers a competitive Jenius Savings account with a higher APY of 4.05%, compared to EverBank's Performance Savings account, which has an APY of 3.90%. Both banks provide online-only savings accounts with no minimum deposit or maintenance fees. While EverBank is noted for its superior mobile app experience, Jenius Bank demonstrates better returns on deposits, particularly at higher amounts. Both banks do not require direct deposit for account opening, making them accessible options for savers.
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
EverBank vs. Jenius Bank Savings Calculator
You earn $15 more with Jenius Bank than EverBank 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.
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
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 | EverBank | Jenius Bank |
|---|---|---|
| APY | 3.90% Verified: 1/9/2026 ↘︎ 0.15%90d Change | 4.05% Verified: 1/9/2026 ↘︎ 0.15%90d Change |
| Product Name | Performance Savings | Jenius Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.6 Android4.8 | iOS4.0 Android3.6 |
| Zelle® Support | Available Native integration verified. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at EverBank 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 | EverBank | Jenius Bank |
|---|---|---|
| Performance Savings | Jenius Savings | |
Current APY | 3.90% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.4 | -2.8 |
Days Since Change | 21 | 52 |
12-Month High | 4.30% | 4.50% |
12-Month Low | 3.90% | 4.05% |
Adjustments / Mo | 0.17 | 0.17 |
Volatility Score | 0.034 | 0.030 |
How to read these metrics(Click to expand)
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