Jenius Bank vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Jenius BankJenius Savings Jan 9, 2026 | WealthfrontCash Account Feb 21, 2026 |
|---|---|---|
| APY | 4.05% | 3.30% - 3.95% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$173 $10,000+$346 $25,000+$866 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | As of Jan 9, 2026, Jenius Bank is winding down its U.S. digital banking operations. As a result, no new applications for savings accounts or loans will be accepted. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredNo MinimumsDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Jenius Bank vs. Wealthfront
Executive Summary
Wealthfront offers a Cash Account with a promotional APY of 3.95% for the first three months, after which the rate drops to 3.30%. This account has no minimum deposit or maintenance fees, and it is FDIC-insured through partner banks. Wealthfront operates as an online-only financial services company, and there is no requirement for direct deposit. In contrast, Jenius Bank currently does not offer any products, making Wealthfront the clear choice for those seeking a competitive savings rate.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Jenius Bank?
No distinct advantages found vs Wealthfront.
Why Wealthfront?
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.9 vs 3.7)
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $346/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $866/yr).
Best Mobile App Experience
WealthfrontWealthfront offers an iOS app rated 4.8 (vs. 4.0) and Android app rated 4.9 (vs. 3.7)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $59 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet Jenius Bank's standard rate still yields a higher 1-year return.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Jenius Bank vs. Wealthfront Savings Calculator
You earn $57.5 more with Jenius Bank than Wealthfront 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
Wealthfront
Cash Account
Promo Rate: 3.95% for 3 months, then 3.30%.
Savings Breakdown
- Interest Earned+$347.50(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,347.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $345 per year in interest.
Both Jenius Bank and Wealthfront dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Jenius Bank | Wealthfront |
|---|---|---|
| APY | 4.05% Verified: 1/9/2026 ↘︎ 0.15%90d Change | 3.95% Range: 3.30% - 3.95% Verified: 2/21/2026 ↘︎ 0.20%90d Change |
| Product Name | Jenius Savings | Cash Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | Yes |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | F |
| Important Notes | As of Jan 9, 2026, Jenius Bank is winding down its U.S. digital banking operations. As a result, no new applications for savings accounts or loans will be accepted. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at Jenius Bank Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Jenius Bank | Wealthfront |
|---|---|---|
| Jenius Savings | Cash Account | |
Current APY | 4.05% | 3.95% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.7 | -8.6 |
Days Since Change | 52 | -21 |
2-Month High | 4.20% | 4.15% |
2-Month Low | 4.05% | 3.90% |
Adjustments / Mo | 0.53 | 1.05 |
Volatility Score | 0.010 | 0.028 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Jenius Bank vs...
Comparing against Standard Savings
Compare Wealthfront vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.
More Comparisons
Compare Jenius Bank's APY of 4.05% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Jenius Bank vs Ally Bank | 3.20% | $0 |
| Jenius Bank vs American Express | 3.30% | $0 |
| Jenius Bank vs Axos Bank | 4.21% | $0 |
| Jenius Bank vs Bank of America | 0.01% | $100 |
| Jenius Bank vs Barclays | 3.85% | $0 |
| Jenius Bank vs Capital One | 3.30% | $0 |
| Jenius Bank vs Chase Bank | 0.01% | $0 |
| Jenius Bank vs Chime | 3.00% | $0 |
| Jenius Bank vs CIT Bank | 3.75% | $100 |
| Jenius Bank vs Citibank | 3.20% | $0 |
| Jenius Bank vs Discover Bank | 3.30% | $0 |
| Jenius Bank vs EverBank | 3.90% | $0 |
| Jenius Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Jenius Bank vs Newtek Bank | 4.20% | $0.01 |
| Jenius Bank vs Openbank | 4.09% | $500 |
| Jenius Bank vs Pibank | 4.60% | $0 |
| Jenius Bank vs SoFi Bank | 4.00% | $0 |
| Jenius Bank vs Synchrony Bank | 3.50% | $0 |
| Jenius Bank vs Varo Bank | 5.00% | $0 |
| Jenius Bank vs Wells Fargo | 0.05% | $25 |