FNBO Direct vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | FNBO DirectHigh-Yield Online Savings Account Jan 7, 2026 | WealthfrontCash Account Jan 7, 2026 |
|---|---|---|
| APY | 3.00% | 3.25% - 3.90% |
Est. Earnings | $5,000+$150 $10,000+$300 $25,000+$750 | $5,000+$171 $10,000+$341 $25,000+$853 |
Min Deposit | $1 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing FNBO Direct vs. Wealthfront
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 Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
Wealthfront pays $41 more than FNBO Direct on a $10,000 balance after one year. FNBO Direct pays $300, while Wealthfront pays $341 (with an effective APY of 3.41%) - an APY advantage for Wealthfront.
Why FNBO Direct?
- ✓Fast transfers via Zelle®
Why Wealthfront?
- ✓Higher potential APY (3.90% vs 3.00%) on all balances
— Key Feature Differences —
Better Returns at $10,000
WealthfrontWealthfront's Cash Account earns more on smaller deposits (approx. $341 vs $300/yr).
Better Returns at $25,000
WealthfrontWealthfront's Cash Account pulls ahead with larger amounts (approx. $853 vs $750/yr).
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period (factoring in a 3-month promo), Wealthfront's Cash Account pays $41 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.
*Wealthfront's calculation includes their 3-month introductory promotional rate and subsequent standard rate.
Executive Summary as of
Wealthfront offers a Cash Account with a competitive APY of 3.90%, significantly higher than FNBO Direct's High-Yield Online Savings Account, which provides an APY of 3.00%. Wealthfront's account is also appealing for its simplicity, as it does not require a direct deposit and has no maintenance fees, making it accessible with a minimum deposit of $0. After an initial promotional period of three months at 3.90%, the APY adjusts to 3.25%. In contrast, FNBO Direct's account requires a minimum deposit of $1 and has a slightly lower yield. Both accounts are online-only and FDIC-insured.
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. Wealthfront Savings Calculator
You earn $42.5 more with Wealthfront 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
Wealthfront
Cash Account
Promo Rate: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$342.50(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,342.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | FNBO Direct | Wealthfront |
|---|---|---|
| APY | 3.00% Verified: 1/7/2026 Stable (90d) | 3.90% Range: 3.25% - 3.90% Verified: 1/7/2026 - |
| Product Name | High-Yield Online Savings Account | Cash Account |
| 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 | iOS4.8 Android4.9 |
| Zelle® Support | Available Online division fully supports Zelle. | Not Supported |
| BBB Rating | A+ | F |
| Important Notes | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at FNBO Direct Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FNBO Direct | Wealthfront |
|---|---|---|
| High-Yield Online Savings Account | Cash Account | |
Current APY | 3.00% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -18.8 |
Days Since Change | 55 | 19 |
2-Month High | 3.00% | 4.15% |
2-Month Low | 3.00% | 3.90% |
Adjustments / Mo | 0.00 | 0.55 |
Volatility Score | 0.000 | 0.030 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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