FNBO Direct vs. Wealthfront
Comparing FNBO Direct and Wealthfront for high-yield savings: FNBO Direct's High-Yield Online Savings Account pays 3.00% APY while Wealthfront's Cash Account pays 3.95% APY (including a 3-month 0.65% promo boost).
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Wealthfront pays $46 more than FNBO Direct annually ($346 vs $300).
Choose FNBO Direct if you want a no-strings-attached account, you want to avoid a promo rate with a scheduled drop, BBB rating matters to you, or you want Zelle for quick transfers. Choose Wealthfront if getting the best rate matters most.
Important Considerations
The key difference? Wealthfront's 3.95% rate includes a promotional bonus for the first 3 months, after which it reverts to the standard rate (currently 3.30%). FNBO Direct's 3.00% rate has no scheduled drop, though all rates are subject to change.
| Metric | FNBO DirectHigh-Yield Online Savings Account Feb 21, 2026 | WealthfrontCash Account Feb 21, 2026 |
|---|---|---|
| APY | 3.00% | 3.30% - 3.95% |
Est. Earnings | $5,000+$150 $10,000+$300 $25,000+$750 | $5,000+$173 $10,000+$346 $25,000+$866 |
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 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® SupportedRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing FNBO Direct vs. Wealthfront
Executive Summary
Wealthfront offers a Cash Account with a competitive APY of 3.95%, making it the top choice compared to FNBO Direct's High-Yield Online Savings Account, which has an APY of 3.00%. Wealthfront's account is online-only and requires no minimum deposit or balance, while also having no maintenance fees. Additionally, Wealthfront provides a promotional rate of 3.95% for the first three months, after which it drops to 3.30%. In contrast, FNBO Direct's account also has no direct deposit requirement and is FDIC-insured, but its lower yield makes it a secondary option.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why FNBO Direct?
- ✓Fast transfers via Zelle®
Why Wealthfront?
- ✓Higher potential APY (3.95% vs 3.00%) on all balances
— Key Feature Differences —
Better Returns at $10,000
WealthfrontWealthfront's Cash Account earns more on smaller deposits (approx. $346 vs $300/yr).
Better Returns at $25,000
WealthfrontWealthfront's Cash Account pulls ahead with larger amounts (approx. $866 vs $750/yr).
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 3.95% 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 $46 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
FNBO Direct vs. Wealthfront Savings Calculator
You earn $47.5 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: 3.95% for 3 months, then 3.30%.
Savings Breakdown
- Interest Earned+$347.50(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,347.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $299 per year in interest.
Both FNBO Direct and Wealthfront dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | FNBO Direct | Wealthfront |
|---|---|---|
| APY | 3.00% Verified: 2/21/2026 Stable (90d) | 3.95% Range: 3.30% - 3.95% Verified: 2/21/2026 ↘︎ 0.20%90d Change |
| Product Name | High-Yield Online Savings Account | Cash Account |
| Minimum Deposit | $1 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | Yes |
| 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 3.95% for 3 months, after which the 3.30% 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% | 3.95% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -8.6 |
Days Since Change | 100 | 22 |
3-Month High | 3.00% | 4.15% |
3-Month Low | 3.00% | 3.90% |
Adjustments / Mo | 0.00 | 0.60 |
Volatility Score | 0.000 | 0.028 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare FNBO Direct's APY of 3.00% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| FNBO Direct vs Ally Bank | 3.20% | $0 |
| FNBO Direct vs American Express | 3.30% | $0 |
| FNBO Direct vs Axos Bank | 4.21% | $0 |
| FNBO Direct vs Bank of America | 0.01% | $100 |
| FNBO Direct vs Barclays | 3.85% | $0 |
| FNBO Direct vs Capital One | 3.30% | $0 |
| FNBO Direct vs Chase Bank | 0.01% | $0 |
| FNBO Direct vs Chime | 3.00% | $0 |
| FNBO Direct vs CIT Bank | 3.75% | $100 |
| FNBO Direct vs Citibank | 3.20% | $0 |
| FNBO Direct vs Discover Bank | 3.30% | $0 |
| FNBO Direct vs EverBank | 3.90% | $0 |
| FNBO Direct vs Marcus by Goldman Sachs | 3.65% | $0 |
| FNBO Direct vs Newtek Bank | 4.20% | $0.01 |
| FNBO Direct vs Openbank | 4.09% | $500 |
| FNBO Direct vs Pibank | 4.60% | $0 |
| FNBO Direct vs SoFi Bank | 4.00% | $0 |
| FNBO Direct vs Synchrony Bank | 3.50% | $0 |
| FNBO Direct vs Varo Bank | 5.00% | $0 |
| FNBO Direct vs Wells Fargo | 0.05% | $25 |