Neighbors Bank vs. Vio Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Neighbors Bank vs. Vio Bank
Key Metrics at a Glance
| Feature | Neighbors Bank | Vio Bank |
|---|---|---|
| Top Savings APY | 4.50% Neighbors Savings Account | 4.21% Online Savings Account |
| Minimum to Open | $0 | $100 |
| Minimum Balance for Top APY | $0 | $0 |
| Note | Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY. |
Neighbors Bank
Strengths
- Neighbors Bank offers a higher APY of 4.50% compared to Vio Bank's 4.21%.
- No maintenance fees for Neighbors Bank's savings account.
- Neighbors Bank has a physical branch located in Columbia, Missouri.
Potential Drawbacks
- Neighbors Bank's APY decreased from 4.60% in the last 30 days.
- Neighbors Bank is not BBB Accredited.
- Neighbors Bank has a lower App Store rating of 3.3.
Vio Bank
Strengths
- Vio Bank is BBB Accredited, indicating higher trustworthiness.
- Vio Bank has a higher Google Play rating of 3.3 compared to Neighbors Bank's 4.4.
- Vio Bank has no minimum balance requirement for its savings account.
Potential Drawbacks
- Vio Bank's APY of 4.21% is lower than Neighbors Bank's 4.50%.
- Vio Bank charges a $5 maintenance fee if electronic statements are not selected.
- Vio Bank has no physical branches.
→ As of November 12, 2025 Neighbors Bank offers an APY of 4.50% for its Neighbors Savings Account, with a minimum balance of $0, compared to Vio Bank's 4.21% APY for its Online Savings Account, with a minimum balance of $0.
→ Neighbors Bank yields $29 more than Vio Bank on a $10,000 balance after one year. Neighbors Bank pays $450, while Vio Bank pays $421 - an APY advantage for Neighbors Bank.
Calculate Savings Growth for Neighbors Bank vs Vio Bank
Neighbors Bank - Neighbors Savings Account
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
Total balance: $20,760.1
Earnings: $2,760.1
Bank OverviewVio Bank - Online Savings Account
Total savings breakdown:
- Interest earned: $2,570.8 (12.50%)
- Total contributions: $13,000 (63.20%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,570.80
Total balance: $20,570.8
Earnings: $2,570.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Neighbors Bank's total earnings would be $189.3 higher than Vio Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Neighbors Bank's vs Vio Bank's Savings Accounts
| Neighbors Bank | Vio Bank | ||
|---|---|---|---|
| Product | Neighbors Savings Account | vs | Online Savings Account |
| APY | 4.50% (as of 11/12/2025) | 4.21% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | N/A | Daily | |
| Minimum Deposit | $0 | $100 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $0, if electronic statements selected, otherwise $5 | |
| Direct Deposit Required | No | No | |
| Eligibility | Not available in Delaware. | United States | |
| Note | Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY. | ||
| App Store Rating | 3.3/5 | 4.6/5 | |
| Google Play Rating | 4.4/5 | 3.3/5 | |
| BBB Rating | A+ | A+ |
No historical data available.