Neighbors Bank vs. Vio Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Neighbors BankNeighbors Savings Account Jan 7, 2026 | Vio BankOnline Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.30% | 4.09% |
Est. Earnings | $5,000+$215 $10,000+$430 $25,000+$1,075 | $5,000+$205 $10,000+$409 $25,000+$1,023 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
Terms | Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY. | - |
| Features | FDIC InsuredNo MinimumsGreat Android AppIn-Person Access | FDIC InsuredLow MinimumsGreat iOS App |
Comparison Analysis
Comparing Neighbors Bank vs. Vio Bank
As of Neighbors Bank offers an APY of 4.30% for its Neighbors 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.
Neighbors Bank pays $21 more than Vio Bank on a $10,000 balance after one year. Neighbors Bank pays $430, while Vio Bank pays $409 - an APY advantage for Neighbors Bank.
Why Neighbors Bank?
- ✓Higher potential APY (4.30% vs 4.09%) on all balances
- ✓Physical branch access (One location in Columbia, Missouri)
- ✓Higher rated Android app (4.4 vs 3.4)
Why Vio Bank?
- ✓No checking account or direct deposit required
- ✓Higher rated iOS app (4.6 vs 3.3)
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
Neighbors BankNeighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $430 vs $409/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1075 vs $1023/yr).
Best for Simplicity
Vio BankVio Bank's Online Savings Account offers 4.09% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $21 more interest on a $10,000 balance than Vio Bank's Online Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Neighbors Bank offers a competitive Neighbors Savings Account with a notable 4.30% APY on balances up to $250,000, making it the winner in this comparison. In contrast, Vio Bank's Online Savings Account provides a slightly lower APY of 4.09%, but it is an online-only option with no minimum balance requirement and no direct deposit needed. Both accounts have no maintenance fees, but Neighbors Bank's account is not available in Delaware. For those looking for higher returns on larger deposits, Neighbors Bank is the preferable choice.
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
Neighbors Bank vs. Vio Bank Savings Calculator
You earn $21 more with Neighbors Bank than Vio 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.
Neighbors Bank
Neighbors Savings Account
4.30% on first $250,000 and 0.05% thereafter.
Savings Breakdown
- Interest Earned+$430.00(4.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,430.00
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 | Neighbors Bank | Vio Bank |
|---|---|---|
| APY | 4.30% Verified: 1/7/2026 ↘︎ 0.30%90d Change | 4.09% Verified: 1/7/2026 - |
| Product Name | Neighbors Savings Account | 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 | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS3.3 Android4.4 | iOS4.6 Android3.4 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY. | - |
| Next Steps | Visit SiteVerify at Neighbors 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 | Neighbors Bank | Vio Bank |
|---|---|---|
| Neighbors Savings Account | Online Savings Account | |
Current APY | 4.30% | 4.09% |
Trend | Stable | Stable |
Velocity (bps/mo) | -16.1 | -2.7 |
Days Since Change | 28 | 1 |
2-Month High | 4.50% | 4.21% |
2-Month Low | 4.30% | 4.09% |
Adjustments / Mo | 0.54 | 1.07 |
Volatility Score | 0.023 | 0.005 |
How to read these metrics(Click to expand)
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