GO2bank vs. Presidential Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
GO2bank
High Yield Savings
Up to4.50%APYDec 6, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppRange: 0.00% – 4.50%Show Fine Print & Trends Hide Details
GO2bank
High Yield Savings
Presidential Bank
Advantage Savings
Up to4.00%APYDec 6, 2025FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person AccessRange: 3.50% – 4.00%Show Fine Print & Trends Hide Details
Presidential Bank
Advantage Savings
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Comparison Analysis
Comparing GO2bank vs. Presidential Bank
Why GO2bank?
- ✓Higher potential APY (4.50% vs 4.00%) on balances up to $5,000 (requires checking bundle)
- ✓Higher rated Android app (4.5 vs 4.1)
Why Presidential Bank?
- ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
— Key Feature Differences —
Better Returns at $10,000
Presidential BankPresidential Bank's Advantage Savings earns more on smaller deposits (approx. $400 vs $225/yr).
Better Returns at $25,000
Presidential BankPresidential Bank's Advantage Savings pulls ahead with larger amounts (approx. $1000 vs $225/yr).
Requires Banking Relationship
Both banks require a checking account bundle to access their highest rates.
Shared Benefits
Over a 1-year period, Presidential Bank's Advantage Savings pays $175 more interest on a $10,000 balance than GO2bank's High Yield Savings.
Executive Summary
GO2bank offers a High Yield Savings account with a competitive APY of 4.50%, applicable to balances up to $5,000, and requires a GO2bank checking account to open. In contrast, Presidential Bank's Advantage Savings provides an APY of 4.00%, which can increase to 4.25% with larger balances and requires a monthly direct deposit of $500 into an Advantage Checking Account. While GO2bank's APY is higher, it is limited to lower balances, making it a suitable option for those with smaller savings. Both accounts are online-only and FDIC insured.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
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| Feature | GO2bank | Presidential Bank |
|---|---|---|
| APY | 4.50% 0Verified: 12/6/2025 Stable (90d) | 4.00% Range: 3.50% - 4.00% Verified: 12/6/2025 ↘︎ 0.50%90d Change |
| Product Name | High Yield Savings | Advantage Savings |
| Minimum Deposit | $0 | $5,000 |
| Min. Balance for APY | $0 | N/A |
| Monthly Fee | $5 per month, unless you set up direct deposit | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. |
| Checking Bundle | Yes | Yes |
| Mobile Apps | iOS4.8 Android4.5 | iOS4.8 Android4.1 |
| 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 |
Savings Comparison
Presidential Bank earns $1,203.8 more than GO2bank.
GO2bank
High Yield Savings
4.50% on first $5,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$1,230.90(6.4%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,230.90
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$2,434.70(11.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,434.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | GO2bank | Presidential Bank |
|---|---|---|
| High Yield Savings | Advantage Savings | |
Current APY | 4.50% | 4.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -12.0 |
Days Since Change | 121 | 15 |
4-Month High | 4.50% | 4.50% |
4-Month Low | 4.50% | 4.00% |
Adjustments / Mo | 0.00 | 0.49 |
Volatility Score | 0.000 | 0.043 |
How to read these metrics(Click to expand)
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