Fnbo Direct vs. Vio Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of FNBO Direct vs. Vio Bank
Key Metrics at a Glance
| Feature | FNBO Direct | Vio Bank |
|---|---|---|
| Top Savings APY | 3.00% High-Yield Online Savings Account | 4.21% Online Savings Account |
| Minimum to Open | $1 | $100 |
| Minimum Balance for Top APY | $0.01 | $0 |
FNBO Direct
Strengths
- FNBO Direct offers a competitive APY of 3.00%.
- No minimum balance requirement for the High-Yield Online Savings Account.
- FNBO Direct has a higher App Store rating of 4.5.
Potential Drawbacks
- FNBO Direct has no BBB rating or accreditation.
- The current APY is lower than Vio Bank's 4.21%.
- FNBO Direct does not offer a direct deposit option.
Vio Bank
Strengths
- Vio Bank provides a higher APY of 4.21%.
- Vio Bank is BBB Accredited with an A+ rating.
- Vio Bank has a minimum deposit requirement of only $100.
Potential Drawbacks
- Vio Bank has a lower Google Play rating of 3.3.
- Maintenance fee of $5 if electronic statements are not selected.
- Vio Bank does not have a branch network.
→ As of November 12, 2025 FNBO Direct offers an APY of 3.00% for its High-Yield Online 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 $121 more than FNBO Direct on a $10,000 balance after one year. FNBO Direct pays $300, while Vio Bank pays $421 - an APY advantage for Vio Bank.
Calculate Savings Growth for FNBO Direct vs Vio Bank
FNBO Direct - High-Yield Online Savings Account
Total savings breakdown:
- Interest earned: $1,798.2 (9.08%)
- Total contributions: $13,000 (65.66%)
- Initial deposit: $5,000 (25.25%)
Your total balance
$19,798.20
Total balance: $19,798.2
Earnings: $1,798.2
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, FNBO Direct's total earnings would be $772.6 lower than Vio Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare FNBO Direct's vs Vio Bank's Savings Accounts
| FNBO Direct | Vio Bank | ||
|---|---|---|---|
| Product | High-Yield Online Savings Account | vs | Online Savings Account |
| APY | 3.00% (as of 11/12/2025) | 4.21% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $1 | $100 | |
| Minimum Balance for APY | $0.01 | $0 | |
| Maintenance Fee | $0 | $0, if electronic statements selected, otherwise $5 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.5/5 | 4.6/5 | |
| Google Play Rating | 4.8/5 | 3.3/5 | |
| BBB Rating | Not Rated | A+ |
No historical data available.