High-Yield Savings Account Comparison

FNBO Direct vs. Presidential Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

FNBO Direct

High-Yield Online Savings Account

3.00%
APY
Dec 6, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0.01
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5452)
EligibilityUnited States
Mobile Ratings
iOS:4.5Android:4.8
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

Presidential Bank

Advantage Savings

Up to
4.00%
APY
Dec 6, 2025
FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person Access
Range: 3.50% – 4.00%
Show Fine Print & Trends
Min. Deposit$5,000
Min. BalanceN/A
Maintenance Fee$0
Compound FreqMonthly
Direct DepositRequired (To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.)
Branch Access10 locations in Maryland, Virginia and Washington D.C.
Deposit InsuranceFDIC Insured(Cert: 32363)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.1
BBB Rating
A-(Not BBB Accredited)

Rate Stability

30 days
↘︎ 0.25%
90 days
↘︎ 0.50%
Read Bank Overview

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

Comparison Analysis

Comparing FNBO Direct vs. Presidential Bank

Updated: Dec 6, 2025

Why FNBO Direct?

  • ✓No checking account or direct deposit required
  • ✓Higher rated Android app (4.8 vs 4.1)

Why Presidential Bank?

  • ✓Higher potential APY (4.00% vs 3.00%) on all balances
  • ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)

— Key Feature Differences —

Better Returns at $10,000
Presidential Bank

Presidential Bank's Advantage Savings earns more on smaller deposits (approx. $400 vs $300/yr).

Better Returns at $25,000
Presidential Bank

Presidential Bank's Advantage Savings pulls ahead with larger amounts (approx. $1000 vs $750/yr).

Best for All-in-One Banking
Presidential Bank

Presidential Bank's Advantage Savings pays a superior APY for customers who also open a checking account.

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, Presidential Bank's Advantage Savings pays $100 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.

FNBO DirectPresidential Bank
Automated Data Audit

Executive Summary

Presidential Bank offers a higher APY of 4.00% on its Advantage Savings account, which requires a monthly direct deposit of $500 into an Advantage Checking Account, making it suitable for customers seeking an all-in-one banking solution. In contrast, FNBO Direct provides a competitive APY of 3.00% on its High-Yield Online Savings Account, which does not require direct deposit and is available with a minimum deposit of just $1. While FNBO Direct's account is online-only and has no maintenance fees, the higher APY at Presidential Bank makes it the more attractive option for those who can meet the direct deposit requirement.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExploreFNBO DirectExplorePresidential Bank

Top Market Contenders

See who beats both FNBO Direct and Presidential Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.60% vs Presidential Bank
Better Rate
Pibank vs FNBO DirectPibank vs Presidential Bank
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+0.50% vs Presidential Bank
Better Rate
Neighbors Bank vs FNBO DirectNeighbors Bank vs Presidential Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.31% vs Presidential Bank
Better Rate
Axos Bank vs FNBO DirectAxos Bank vs Presidential Bank
FeatureFNBO DirectPresidential Bank
APY
3.00%
Verified: 12/6/2025
↘︎ 0.25%90d Change
4.00%
Range: 3.50% - 4.00%
Verified: 12/6/2025
↘︎ 0.50%90d Change
Product NameHigh-Yield Online Savings AccountAdvantage Savings
Minimum Deposit$1$5,000
Min. Balance for APY$0.01N/A
Monthly Fee$0$0
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Direct Deposit Req.None
RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
Checking BundleNo Yes
Mobile Apps
iOS4.5
Android4.8
iOS4.8
Android4.1
BBB RatingA+A-
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

Presidential Bank earns $636.5 more than FNBO Direct.

FNBO Direct

High-Yield Online Savings Account

3.00% APY

Savings Breakdown

  • Interest Earned
    +$1,798.20(9.1%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,798.20

Effective APY
3.00%
View Details

Presidential Bank

Advantage Savings

4.00% APY

Savings Breakdown

  • Interest Earned
    +$2,434.70(11.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,434.70

Effective APY
4.00%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 4 Months Analysis
MetricFNBO DirectPresidential Bank
High-Yield Online Savings AccountAdvantage Savings
Current APY
3.00%4.00%
Trend
 Stable Stable
Velocity (bps/mo)
-8.3-10.2
Days Since Change
6415
4-Month High
3.25%4.50%
4-Month Low
3.00%4.00%
Adjustments / Mo
0.220.44
Volatility Score
0.0400.042
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 135-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar Alternatives

Compare FNBO Direct vs...

Comparing against Standard Savings

vs FNBO Direct
PibankNo Bundle Req
4.60%
APY
vs FNBO Direct
Neighbors BankNo Bundle Req
4.50%
APY
vs FNBO Direct
TIMBRNo Bundle Req
4.40%
APY

Compare Presidential Bank vs...

Comparing against other Bundled Accounts

vs Presidential Bank
Axos BankChecking Bundle
4.31%
APY
vs Presidential Bank
SoFi BankChecking Bundle
4.30%
APY
vs Presidential Bank
UFB DirectChecking Bundle
3.71%
APY

More Comparisons

Compare FNBO Direct's APY of 3.00% with other banks
Bank PairCompetitor APYMin Deposit
FNBO Direct vs Ally Bank3.30%$0
FNBO Direct vs American Express3.40%$0
FNBO Direct vs Axos Bank4.31%$0
FNBO Direct vs Bank of America0.01%$100
FNBO Direct vs Barclays4.00%$0
FNBO Direct vs Bask Bank3.90%$0
FNBO Direct vs BMO Alto3.25%$0
FNBO Direct vs BrioDirect4.00%$5,000
FNBO Direct vs Capital One3.40%$0
FNBO Direct vs Chase Bank0.01%$0
FNBO Direct vs Chime3.50%$0
FNBO Direct vs CIT Bank3.75%$100
FNBO Direct vs Citibank3.30%$0
FNBO Direct vs Citizens Access™3.35%$0.01
FNBO Direct vs Climate First Bank4.21%$50
FNBO Direct vs Discover Bank3.40%$0
FNBO Direct vs Elevault4.08%$0
FNBO Direct vs EverBank4.05%$0
FNBO Direct vs Fitness Bank4.75%$100
FNBO Direct vs Forbright Bank4.00%$0
FNBO Direct vs FVCbank3.85%$500
FNBO Direct vs GO2bank4.50%$0
FNBO Direct vs Ivy Bank4.25%$2,500
FNBO Direct vs LendingClub4.20%$0
FNBO Direct vs Marcus by Goldman Sachs3.65%$0
FNBO Direct vs Neighbors Bank4.50%$0
FNBO Direct vs Newtek Bank4.35%$0.01
FNBO Direct vs Openbank4.20%$500
FNBO Direct vs Peak Bank4.20%$100
FNBO Direct vs Pibank4.60%$0
FNBO Direct vs PNC3.53%$0
FNBO Direct vs Quontic Bank3.75%$100
FNBO Direct vs Salem Five Direct3.71%$10
FNBO Direct vs Santander Bank0.01%$25
FNBO Direct vs SoFi Bank4.30%$0
FNBO Direct vs Synchrony Bank3.65%$0
FNBO Direct vs TIMBR4.40%$1,000
FNBO Direct vs UFB Direct3.71%$5000
FNBO Direct vs Valley Direct4.10%$1,000
FNBO Direct vs Varo Bank5.00%$0
FNBO Direct vs Vio Bank4.16%$100
FNBO Direct vs Wealthfront4.15%$0
FNBO Direct vs Wells Fargo0.05%$25
FNBO Direct vs Zynlo Bank4.05%$10
Compare Presidential Bank's APY of 4.00% with other banks
Bank PairCompetitor APYMin Deposit
Presidential Bank vs Ally Bank3.30%$0
Presidential Bank vs American Express3.40%$0
Presidential Bank vs Axos Bank4.31%$0
Presidential Bank vs Bank of America0.01%$100
Presidential Bank vs Barclays4.00%$0
Presidential Bank vs Bask Bank3.90%$0
Presidential Bank vs BMO Alto3.25%$0
Presidential Bank vs BrioDirect4.00%$5,000
Presidential Bank vs Capital One3.40%$0
Presidential Bank vs Chase Bank0.01%$0
Presidential Bank vs Chime3.50%$0
Presidential Bank vs CIT Bank3.75%$100
Presidential Bank vs Citibank3.30%$0
Presidential Bank vs Citizens Access™3.35%$0.01
Presidential Bank vs Climate First Bank4.21%$50
Presidential Bank vs Discover Bank3.40%$0
Presidential Bank vs Elevault4.08%$0
Presidential Bank vs EverBank4.05%$0
Presidential Bank vs Fitness Bank4.75%$100
Presidential Bank vs Forbright Bank4.00%$0
Presidential Bank vs FVCbank3.85%$500
Presidential Bank vs GO2bank4.50%$0
Presidential Bank vs Ivy Bank4.25%$2,500
Presidential Bank vs LendingClub4.20%$0
Presidential Bank vs Marcus by Goldman Sachs3.65%$0
Presidential Bank vs Neighbors Bank4.50%$0
Presidential Bank vs Newtek Bank4.35%$0.01
Presidential Bank vs Openbank4.20%$500
Presidential Bank vs Peak Bank4.20%$100
Presidential Bank vs Pibank4.60%$0
Presidential Bank vs PNC3.53%$0
Presidential Bank vs Quontic Bank3.75%$100
Presidential Bank vs Salem Five Direct3.71%$10
Presidential Bank vs Santander Bank0.01%$25
Presidential Bank vs SoFi Bank4.30%$0
Presidential Bank vs Synchrony Bank3.65%$0
Presidential Bank vs TIMBR4.40%$1,000
Presidential Bank vs UFB Direct3.71%$5000
Presidential Bank vs Valley Direct4.10%$1,000
Presidential Bank vs Varo Bank5.00%$0
Presidential Bank vs Vio Bank4.16%$100
Presidential Bank vs Wealthfront4.15%$0
Presidential Bank vs Wells Fargo0.05%$25
Presidential Bank vs Zynlo Bank4.05%$10