Jenius Bank vs. Synchrony Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Jenius BankJenius Savings Jan 7, 2026 | Synchrony BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.65% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Jenius Bank vs. Synchrony Bank
As of Jenius Bank offers an APY of 4.05% for its Jenius Savings account, with a minimum balance of $0, compared to Synchrony Bank's 3.65% APY for its High Yield Savings account, with a minimum balance of $0.
Jenius Bank pays $40 more than Synchrony Bank on a $10,000 balance after one year. Jenius Bank pays $405, while Synchrony Bank pays $365 - an APY advantage for Jenius Bank.
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.65%) on all balances
Why Synchrony Bank?
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.4 vs 3.6)
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $365/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $912/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Synchrony BankSynchrony Bank offers an iOS app rated 4.8 (vs. 4.0) and Android app rated 4.4 (vs. 3.6)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $40 more interest on a $10,000 balance than Synchrony Bank's High Yield 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%, making it the clear winner over Synchrony Bank's High Yield Savings account, which has an APY of 3.65%. Both banks provide online-only savings options with no minimum deposit or maintenance fees. Jenius Bank's account stands out for its simplicity, requiring no direct deposit and offering daily compounding. In contrast, Synchrony Bank is noted for its superior mobile app experience, but its lower APY makes it a secondary choice for those prioritizing returns.
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. Synchrony Bank Savings Calculator
You earn $40 more with Jenius Bank than Synchrony 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
Synchrony Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Jenius Bank | Synchrony Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 3.65% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | Jenius Savings | High Yield Savings |
| Minimum Deposit | $0 | $0 |
| 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 | iOS4.8 Android4.4 |
| 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 Synchrony Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Jenius Bank | Synchrony Bank |
|---|---|---|
| Jenius Savings | High Yield Savings | |
Current APY | 4.05% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.8 | -3.5 |
Days Since Change | 50 | 50 |
11-Month High | 4.50% | 4.10% |
11-Month Low | 4.05% | 3.65% |
Adjustments / Mo | 0.17 | 0.26 |
Volatility Score | 0.030 | 0.035 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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