FNBO Direct vs. Jenius Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | FNBO DirectHigh-Yield Online Savings Account Jan 9, 2026 | Jenius BankJenius Savings Jan 9, 2026 |
|---|---|---|
| APY | 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 | $1 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow 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 FNBO Direct vs. Jenius Bank
As of FNBO Direct offers an APY of 3.00% for its High-Yield Online 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 $105 more than FNBO Direct on a $10,000 balance after one year. FNBO Direct pays $300, while Jenius Bank pays $405 - an APY advantage for Jenius Bank.
Why FNBO Direct?
- ✓Higher rated iOS app (4.5 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 3.00%) 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 $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
FNBO DirectFNBO Direct offers an iOS app rated 4.5 (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 $105 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Jenius Bank stands out with its Jenius Savings account, offering a competitive APY of 4.05%, which is significantly higher than FNBO Direct's High-Yield Online Savings Account at 3.00%. Both accounts require no minimum balance and charge no maintenance fees, making them accessible options for savers. Jenius Bank's account compounds daily, enhancing the potential for growth, while FNBO Direct compounds monthly. Additionally, Jenius Bank is noted for its simplicity, with no direct deposit requirements or caps, making it a straightforward choice for customers. Both banks operate online only, providing a modern banking experience.
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
FNBO Direct vs. Jenius Bank Savings Calculator
You earn $105 more with Jenius Bank than FNBO Direct 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.
FNBO Direct
High-Yield Online 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.
| Feature | FNBO Direct | Jenius Bank |
|---|---|---|
| APY | 3.00% Verified: 1/9/2026 Stable (90d) | 4.05% Verified: 1/9/2026 ↘︎ 0.15%90d Change |
| Product Name | High-Yield Online Savings Account | Jenius Savings |
| Minimum Deposit | $1 | $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. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.5 Android4.8 | iOS4.0 Android3.6 |
| Zelle® Support | Available Online division fully supports Zelle. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at FNBO Direct 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 | FNBO Direct | Jenius Bank |
|---|---|---|
| High-Yield Online Savings Account | Jenius Savings | |
Current APY | 3.00% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -6.3 | -3.6 |
Days Since Change | 98 | 52 |
6-Month High | 3.25% | 4.20% |
6-Month Low | 3.00% | 4.05% |
Adjustments / Mo | 0.18 | 0.18 |
Volatility Score | 0.038 | 0.018 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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