Jenius Bank vs. Vio Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Jenius BankJenius Savings Jan 7, 2026 | Vio BankOnline Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 4.09% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$205 $10,000+$409 $25,000+$1,023 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | FDIC InsuredLow MinimumsGreat iOS 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. Vio Bank
As of Jenius Bank offers an APY of 4.05% for its Jenius 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 $4 more than Jenius Bank on a $10,000 balance after one year. Jenius Bank pays $405, while Vio Bank pays $409 - an APY advantage for Vio Bank.
Why Jenius Bank?
No distinct advantages found vs Vio Bank.
Why Vio Bank?
- ✓Higher rated iOS app (4.6 vs 4.0)
Shared Benefits
Over a 1-year period, Vio Bank's Online Savings Account pays $4 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%, requiring no minimum deposit or balance, and has no maintenance fees. This account is online-only and does not require direct deposit. In comparison, Vio Bank provides an Online Savings Account with a slightly higher APY of 4.09%, also requiring no minimum balance and offering daily compounding. However, it does require a minimum deposit of $100 to open. Both banks are FDIC insured and do not charge maintenance fees if electronic statements are selected. Overall, Vio Bank's account has a marginally better 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
Top Market Contenders
Jenius Bank vs. Vio Bank Savings Calculator
You earn $4 more with Vio 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
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 | Jenius Bank | Vio Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 4.09% Verified: 1/7/2026 - |
| Product Name | Jenius Savings | Online Savings Account |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| 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 | iOS4.6 Android3.4 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Jenius Bank 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 | Jenius Bank | Vio Bank |
|---|---|---|
| Jenius Savings | Online Savings Account | |
Current APY | 4.05% | 4.09% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.9 | -2.7 |
Days Since Change | 50 | 1 |
2-Month High | 4.20% | 4.21% |
2-Month Low | 4.05% | 4.09% |
Adjustments / Mo | 0.54 | 1.07 |
Volatility Score | 0.011 | 0.005 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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