Jenius Bank vs. Openbank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Jenius BankJenius Savings Jan 7, 2026 | OpenbankHigh-Yield Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 4.20% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$210 $10,000+$420 $25,000+$1,050 |
Min Deposit | $0 | $500 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | FDIC InsuredLow 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 Jenius Bank vs. Openbank
As of Jenius Bank offers an APY of 4.05% for its Jenius Savings account, with a minimum balance of $0, compared to Openbank's 4.20% APY for its High-Yield Savings Account, with a minimum balance of $0.
Openbank pays $15 more than Jenius Bank on a $10,000 balance after one year. Jenius Bank pays $405, while Openbank pays $420 - an APY advantage for Openbank.
Why Jenius Bank?
No distinct advantages found vs Openbank.
Why Openbank?
- ✓Higher potential APY (4.20% vs 4.05%) on all balances
— Key Feature Differences —
Better Returns at $10,000
OpenbankOpenbank's High-Yield Savings Account earns more on smaller deposits (approx. $420 vs $405/yr).
Better Returns at $25,000
OpenbankOpenbank's High-Yield Savings Account pulls ahead with larger amounts (approx. $1050 vs $1013/yr).
Shared Benefits
Over a 1-year period, Openbank's High-Yield Savings Account pays $15 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
Jenius Bank offers a Jenius Savings account with a competitive APY of 4.05%, available with no minimum deposit or maintenance fees, and is an online-only product. In comparison, Openbank's High-Yield Savings Account provides a slightly higher APY of 4.20%, requiring a minimum deposit of $500, but also has no maintenance fees. Both accounts do not require direct deposit and are FDIC insured. Openbank's account is advantageous for larger deposits, yielding better returns at $10,000 and $25,000 compared to Jenius Bank. Therefore, Openbank is the winner based on the higher APY.
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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Jenius Bank vs. Openbank Savings Calculator
You earn $15 more with Openbank 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
Openbank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$420.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,420.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Jenius Bank | Openbank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 4.20% Verified: 1/7/2026 Stable (90d) |
| Product Name | Jenius Savings | High-Yield Savings Account |
| Minimum Deposit | $0 | $500 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.0 Android3.6 | iOS3.1 Android2.9 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | Not Rated |
| Next Steps | Visit SiteVerify at Jenius Bank Non-sponsored link to official site | Visit SiteVerify at Openbank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Jenius Bank | Openbank |
|---|---|---|
| Jenius Savings | High-Yield Savings Account | |
Current APY | 4.05% | 4.20% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.0 | -3.0 |
Days Since Change | 50 | 169 |
10-Month High | 4.50% | 4.75% |
10-Month Low | 4.05% | 4.20% |
Adjustments / Mo | 0.19 | 0.29 |
Volatility Score | 0.021 | 0.027 |
How to read these metrics(Click to expand)
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