Jenius Bank vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Jenius BankJenius Savings Jan 7, 2026 | WealthfrontCash Account Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.25% - 3.90% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$171 $10,000+$341 $25,000+$853 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | 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 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| 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. Wealthfront
As of Jenius Bank offers an APY of 4.05% for its Jenius Savings account, with a minimum balance of $0, compared to Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
Jenius Bank pays $64 more than Wealthfront on a $10,000 balance after one year. Jenius Bank pays $405, while Wealthfront pays $341 (with an effective APY of 3.41%) - an APY advantage for Jenius Bank.
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.90%) on all balances
Why Wealthfront?
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.9 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 $341/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $853/yr).
Best Mobile App Experience
WealthfrontWealthfront offers an iOS app rated 4.8 (vs. 4.0) and Android app rated 4.9 (vs. 3.6)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $64 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.
Executive Summary as of
Jenius Bank offers a competitive Jenius Savings account with an APY of 4.05%, making it the higher-yield option compared to Wealthfront's Cash Account, which has a promotional APY of 3.90% for the first three months, then drops to 3.25%. Both accounts require no minimum deposit or balance and charge no maintenance fees, and they are available online only. Jenius Bank's product is particularly advantageous for larger deposits, yielding more over time. Wealthfront, while providing a strong mobile app experience, ultimately offers lower returns after the promotional period.
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. Wealthfront Savings Calculator
You earn $62.5 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: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$342.50(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,342.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Jenius Bank | Wealthfront |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 3.90% Range: 3.25% - 3.90% Verified: 1/7/2026 - |
| Product Name | Jenius Savings | Cash Account |
| 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 Android4.9 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | F |
| Important Notes | - | 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 3.90% for 3 months, after which the 3.25% 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% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.9 | -18.8 |
Days Since Change | 50 | 19 |
2-Month High | 4.20% | 4.15% |
2-Month Low | 4.05% | 3.90% |
Adjustments / Mo | 0.54 | 0.54 |
Volatility Score | 0.011 | 0.030 |
How to read these metrics(Click to expand)
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