GO2bank vs. Vio Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | GO2bankHigh Yield Savings Jan 7, 2026 | Vio BankOnline Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 0.00% - 4.50% | 4.09% |
Est. Earnings | $5,000+$225 $10,000+$225 $25,000+$225 | $5,000+$205 $10,000+$409 $25,000+$1,023 |
Min Deposit | $0 | $100 |
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 InsuredLow MinimumsGreat iOS App |
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.
As of GO2bank offers an APY of 4.50% for its High Yield Savings account, with a minimum balance of $0, compared to Vio Bank's 4.09% APY for its Online Savings Account, with a minimum balance of $0.
Vio Bank pays $184 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 $409 - an APY advantage for Vio Bank.
Why GO2bank?
- ✓Higher potential APY (4.50% vs 4.09%) on balances up to $5,000 (requires checking bundle)
- ✓Higher rated Android app (4.5 vs 3.4)
Why Vio Bank?
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
Vio BankVio Bank's Online Savings Account earns more on smaller deposits (approx. $409 vs $225/yr).
Better Returns at $25,000
Vio BankVio Bank's Online Savings Account pulls ahead with larger amounts (approx. $1023 vs $225/yr).
Best for Simplicity
Vio BankVio Bank's Online Savings Account offers 4.09% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
GO2bankGO2bank offers an iOS app rated 4.8 (vs. 4.6) and Android app rated 4.5 (vs. 3.4)
Shared Benefits
Over a 1-year period, Vio Bank's Online Savings Account pays $184 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 to balances up to $5,000, and requires a GO2bank checking account to open. In contrast, Vio Bank provides an Online Savings Account with a slightly lower APY of 4.09%, but it has no balance caps or direct deposit requirements, making it simpler to manage. Both banks are online-only and have FDIC insurance. While GO2bank has a higher APY, Vio Bank's account may appeal to those looking for fewer restrictions.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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GO2bank vs. Vio Bank Savings Calculator
You earn $184 more with Vio 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
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$409.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,409.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | GO2bank | Vio Bank |
|---|---|---|
| APY | 4.50% 0Verified: 1/7/2026 Stable (90d) | 4.09% Verified: 1/7/2026 - |
| Product Name | High Yield Savings | Online Savings Account |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $5 per month, unless you set up direct deposit | $0, if electronic statements selected, otherwise $5 |
| 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 | iOS4.6 Android3.4 |
| 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 Vio Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | GO2bank | Vio Bank |
|---|---|---|
| High Yield Savings | Online Savings Account | |
Current APY | 4.50% | 4.09% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -2.6 |
Days Since Change | 54 | 1 |
2-Month High | 4.50% | 4.21% |
2-Month Low | 4.50% | 4.09% |
Adjustments / Mo | 0.00 | 1.09 |
Volatility Score | 0.000 | 0.005 |
How to read these metrics(Click to expand)
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