Fnbo Direct vs. Wealthfront
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of FNBO Direct vs. Wealthfront
Key Metrics at a Glance
| Feature | FNBO Direct | Wealthfront |
|---|---|---|
| Top Savings APY | 3.00% High-Yield Online Savings Account | 4.15% Cash Account |
| Minimum to Open | $1 | $0 |
| Minimum Balance for Top APY | $0.01 | $0 |
| Note | 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 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. |
FNBO Direct
Strengths
- FNBO Direct offers a maintenance fee of $0 for its High-Yield Online Savings Account.
- FNBO Direct has a solid App Store rating of 4.5.
- FNBO Direct's current APY is stable at 3.00%.
Potential Drawbacks
- FNBO Direct is not rated by the Better Business Bureau.
- FNBO Direct has no branches for in-person banking.
- FNBO Direct's APY is lower than Wealthfront's.
Wealthfront
Strengths
- Wealthfront offers a competitive APY of 4.15% for new clients.
- Wealthfront has an excellent Google Play rating of 4.9.
- Wealthfront has no maintenance fees for its Cash Account.
Potential Drawbacks
- Wealthfront has an F rating from the Better Business Bureau.
- Wealthfront's APY drops to 3.50% after three months.
- Wealthfront has no branches for in-person banking.
→ 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 Wealthfront's 4.15% APY for its Cash Account, with a minimum balance of $0.
→ Wealthfront yields $115 more than FNBO Direct on a $10,000 balance after one year. FNBO Direct pays $300, while Wealthfront pays $415 - an APY advantage for Wealthfront.
Calculate Savings Growth for FNBO Direct vs Wealthfront
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 OverviewWealthfront - Cash Account
Total savings breakdown:
- Interest earned: $2,531.8 (12.33%)
- Total contributions: $13,000 (63.32%)
- Initial deposit: $5,000 (24.35%)
Your total balance
$20,531.80
Total balance: $20,531.8
Earnings: $2,531.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, FNBO Direct's total earnings would be $733.6 lower than Wealthfront's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare FNBO Direct's vs Wealthfront's Savings Accounts
| FNBO Direct | Wealthfront | ||
|---|---|---|---|
| Product | High-Yield Online Savings Account | vs | Cash Account |
| APY | 3.00% (as of 11/12/2025) | 3.50% - 4.15% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $1 | $0 | |
| Minimum Balance for APY | $0.01 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Note | 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 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. | ||
| App Store Rating | 4.5/5 | 4.8/5 | |
| Google Play Rating | 4.8/5 | 4.9/5 | |
| BBB Rating | Not Rated | F |
No historical data available.