Go2bank vs. Vio Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of GO2bank vs. Vio Bank
Key Metrics at a Glance
| Feature | GO2bank | Vio Bank |
|---|---|---|
| Top Savings APY | 4.50% High Yield Savings | 4.21% Online Savings Account |
| Minimum to Open | $0 | $100 |
| Minimum Balance for Top APY | $0 | $0 |
| Note | The 4.50% APY is up to 5,000. Balances above that earn no interest. |
GO2bank
Strengths
- GO2bank offers a higher APY of 4.50% compared to Vio Bank's 4.21%.
- GO2bank has no minimum deposit requirement for its High Yield Savings account.
- GO2bank has a higher App Store rating of 4.8.
Potential Drawbacks
- GO2bank is not BBB Accredited and has a 'Not Rated' BBB rating.
- GO2bank charges a $5 monthly maintenance fee unless direct deposit is set up.
Vio Bank
Strengths
- Vio Bank is BBB Accredited with an A+ rating.
- Vio Bank does not have a monthly maintenance fee if electronic statements are selected.
Potential Drawbacks
- Vio Bank's APY of 4.21% is lower than GO2bank's 4.50%.
- Vio Bank has a lower App Store rating of 4.6 and a Google Play rating of 3.3.
→ As of November 12, 2025 GO2bank offers an APY of 4.50% for its High Yield Savings account, with a minimum balance of $0, compared to Vio Bank's 4.21% APY for its Online Savings Account, with a minimum balance of $0.
→ Vio Bank yields $196 more than GO2bank on a $10,000 balance after one year. GO2bank pays $225 (with an effective APY of 2.25%), while Vio Bank pays $421 - an APY advantage for Vio Bank.
Calculate Savings Growth for GO2bank vs Vio Bank
GO2bank - High Yield Savings
ℹ️You earn 4.50% on the first $5,000 and 0.00% on the rest.
Total savings breakdown:
- Interest earned: $1,230.9 (6.40%)
- Total contributions: $13,000 (67.60%)
- Initial deposit: $5,000 (26.00%)
Your total balance
$19,230.90
Total balance: $19,230.9
Earnings: $1,230.9
Bank OverviewVio Bank - Online Savings Account
Total savings breakdown:
- Interest earned: $2,570.8 (12.50%)
- Total contributions: $13,000 (63.20%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,570.80
Total balance: $20,570.8
Earnings: $2,570.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, GO2bank's total earnings would be $1,339.9 lower than Vio Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare GO2bank's vs Vio Bank's Savings Accounts
| GO2bank | Vio Bank | ||
|---|---|---|---|
| Product | High Yield Savings | vs | Online Savings Account |
| APY | 0.00% - 4.50% (as of 11/12/2025) | 4.21% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Quarterly | Daily | |
| Minimum Deposit | $0 | $100 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $5 per month, unless you set up direct deposit | $0, if electronic statements selected, otherwise $5 | |
| Direct Deposit Required | No | No | |
| Note | The 4.50% APY is up to 5,000. Balances above that earn no interest. | ||
| App Store Rating | 4.8/5 | 4.6/5 | |
| Google Play Rating | 4.5/5 | 3.3/5 | |
| BBB Rating | Not Rated | A+ |
No historical data available.