Jenius Bank vs. Neighbors Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Jenius BankJenius Savings Jan 7, 2026 | Neighbors BankNeighbors Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 4.30% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$215 $10,000+$430 $25,000+$1,075 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY. |
| Features | FDIC InsuredNo Minimums | FDIC InsuredNo MinimumsGreat Android AppIn-Person Access |
Comparison Analysis
Comparing Jenius Bank vs. Neighbors Bank
As of Jenius Bank offers an APY of 4.05% for its Jenius Savings account, with a minimum balance of $0, compared to Neighbors Bank's 4.30% APY for its Neighbors Savings Account, with a minimum balance of $0.
Neighbors Bank pays $25 more than Jenius Bank on a $10,000 balance after one year. Jenius Bank pays $405, while Neighbors Bank pays $430 - an APY advantage for Neighbors Bank.
Why Jenius Bank?
- ✓No checking account or direct deposit required
- ✓Available Nationwide
Why Neighbors Bank?
- ✓Higher potential APY (4.30% vs 4.05%) on all balances
- ✓Physical branch access (One location in Columbia, Missouri)
- ✓Higher rated Android app (4.4 vs 3.6)
— Key Feature Differences —
Better Returns at $10,000
Neighbors BankNeighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $430 vs $405/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1075 vs $1013/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $25 more interest on a $10,000 balance than Jenius Bank's Jenius Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Neighbors Bank offers the Neighbors Savings Account with a competitive 4.30% APY, making it the winner in this comparison. This account allows balances up to $250,000 to earn this rate, while amounts above that yield only 0.05% APY. Jenius Bank's Jenius Savings provides a solid alternative with a 4.05% APY, featuring no minimum deposit or maintenance fees, and no direct deposit requirement. However, it is an online-only product. Both banks offer accounts with no maintenance fees and require no minimum balance, making them accessible options for savers.
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
Top Market Contenders
Jenius Bank vs. Neighbors Bank Savings Calculator
You earn $25 more with Neighbors Bank than Jenius Bank 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.
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
Neighbors Bank
Neighbors Savings Account
4.30% on first $250,000 and 0.05% thereafter.
Savings Breakdown
- Interest Earned+$430.00(4.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,430.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Jenius Bank | Neighbors Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 4.30% Verified: 1/7/2026 ↘︎ 0.30%90d Change |
| Product Name | Jenius Savings | Neighbors Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.0 Android3.6 | iOS3.3 Android4.4 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | - | Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY. |
| Next Steps | Visit SiteVerify at Jenius Bank Non-sponsored link to official site | Visit SiteVerify at Neighbors Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Jenius Bank | Neighbors Bank |
|---|---|---|
| Jenius Savings | Neighbors Savings Account | |
Current APY | 4.05% | 4.30% |
Trend | Stable | Stable |
Velocity (bps/mo) | -1.9 | -2.6 |
Days Since Change | 50 | 28 |
10-Month High | 4.50% | 4.75% |
10-Month Low | 4.05% | 4.30% |
Adjustments / Mo | 0.19 | 0.29 |
Volatility Score | 0.021 | 0.023 |
How to read these metrics(Click to expand)
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