GO2bank vs. Jenius Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | GO2bankHigh Yield Savings Jan 9, 2026 | Jenius BankJenius Savings Jan 9, 2026 |
|---|---|---|
| APY | 0.00% - 4.50% | 4.05% |
Est. Earnings | $5,000+$225 $10,000+$225 $25,000+$225 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking Bundle | FDIC InsuredNo Minimums |
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing GO2bank vs. Jenius Bank
As of GO2bank offers an APY of 4.50% for its High Yield Savings account, with a minimum balance of $0, compared to Jenius Bank's 4.05% APY for its Jenius Savings account, with a minimum balance of $0.
Jenius Bank pays $180 more than GO2bank on a $10,000 balance after one year. GO2bank pays $225 (with an effective APY of 2.25%), while Jenius Bank pays $405 - an APY advantage for Jenius Bank.
Why GO2bank?
- ✓Higher potential APY (4.50% vs 4.05%) on balances up to $5,000 (requires checking bundle)
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.5 vs 3.6)
Why Jenius Bank?
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $225/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $225/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
GO2bankGO2bank offers an iOS app rated 4.8 (vs. 4.0) and Android app rated 4.5 (vs. 3.6)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $180 more interest on a $10,000 balance than GO2bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
GO2bank offers a High Yield Savings account with a competitive APY of 4.50%, applicable on balances up to $5,000, while Jenius Bank provides a Jenius Savings account with an APY of 4.05%. Although Jenius Bank's account has no caps, maintenance fees, or direct deposit requirements, it yields slightly less than GO2bank's offering. Notably, a GO2bank checking account is required to open its savings account. Both banks operate online only, catering to customers seeking digital banking solutions.
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
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GO2bank vs. Jenius Bank Savings Calculator
You earn $180 more with Jenius Bank than GO2bank 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.
GO2bank
High Yield Savings
4.50% on first $5,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$225.00(2.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,225.00
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | GO2bank | Jenius Bank |
|---|---|---|
| APY | 4.50% 0Verified: 1/9/2026 Stable (90d) | 4.05% Verified: 1/9/2026 ↘︎ 0.15%90d Change |
| Product Name | High Yield Savings | Jenius Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $5 per month, unless you set up direct deposit | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.8 Android4.5 | iOS4.0 Android3.6 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | Not Rated | A+ |
| Important Notes | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest. | - |
| Next Steps | Visit SiteVerify at GO2bank Non-sponsored link to official site | Visit SiteVerify at Jenius Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | GO2bank | Jenius Bank |
|---|---|---|
| High Yield Savings | Jenius Savings | |
Current APY | 4.50% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -4.1 |
Days Since Change | 155 | 52 |
5-Month High | 4.50% | 4.20% |
5-Month Low | 4.50% | 4.05% |
Adjustments / Mo | 0.00 | 0.19 |
Volatility Score | 0.000 | 0.018 |
How to read these metrics(Click to expand)
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