High-Yield Savings Account Comparison

Presidential Bank vs. TIMBR

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

Presidential Bank

Advantage Savings

Up to
4.00%
APY
Dec 6, 2025
FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person Access
Range: 3.50% – 4.00%
Show Fine Print & Trends
Min. Deposit$5,000
Min. BalanceN/A
Maintenance Fee$0
Compound FreqMonthly
Direct DepositRequired (To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.)
Branch Access10 locations in Maryland, Virginia and Washington D.C.
Deposit InsuranceFDIC Insured(Cert: 32363)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.1
BBB Rating
A-(Not BBB Accredited)

Rate Stability

30 days
↘︎ 0.25%
90 days
↘︎ 0.50%
Read Bank Overview

TIMBR

Premium Savings Account

4.40%
APY
Dec 6, 2025
FDIC InsuredLow Minimums
Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58210)
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview

Comparison Analysis

Comparing Presidential Bank vs. TIMBR

Updated: Dec 6, 2025

Why Presidential Bank?

  • ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
  • ✓Higher rated iOS app (4.8 vs 0.0)
  • ✓Higher rated Android app (4.1 vs 0.0)

Why TIMBR?

  • ✓Higher potential APY (4.40% vs 4.00%) on all balances
  • ✓No checking account or direct deposit required

— Key Feature Differences —

Better Returns at $10,000
TIMBR

TIMBR's Premium Savings Account earns more on smaller deposits (approx. $440 vs $400/yr).

Better Returns at $25,000
TIMBR

TIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $1000/yr).

Best for Simplicity
TIMBR

TIMBR's Premium Savings Account offers 4.40% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
Presidential Bank

Presidential Bank offers an iOS app rated 4.8 (vs. 0.0) and Android app rated 4.1 (vs. 0.0)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, TIMBR's Premium Savings Account pays $40 more interest on a $10,000 balance than Presidential Bank's Advantage Savings.

Presidential BankTIMBR
Automated Data Audit

Executive Summary

TIMBR offers a Premium Savings Account with a competitive APY of 4.40%, which requires a minimum deposit of $1,000 and has no direct deposit requirement, making it a straightforward option for savers. In contrast, Presidential Bank's Advantage Savings account provides a higher APY of 4.00%, but it necessitates a monthly direct deposit of $500 into an Advantage Checking Account and a minimum deposit of $5,000. While Presidential Bank boasts a strong mobile app experience, TIMBR stands out for its simplicity and better returns without additional conditions.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExplorePresidential BankExploreTIMBR

Top Market Contenders

See who beats both Presidential Bank and TIMBR.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.20% vs TIMBR
Better Rate
Pibank vs Presidential BankPibank vs TIMBR
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+0.10% vs TIMBR
Better Rate
Neighbors Bank vs Presidential BankNeighbors Bank vs TIMBR
FeaturePresidential BankTIMBR
APY
4.00%
Range: 3.50% - 4.00%
Verified: 12/6/2025
↘︎ 0.50%90d Change
4.40%
Verified: 12/6/2025
Stable (90d)
Product NameAdvantage SavingsPremium Savings Account
Minimum Deposit$5,000$1,000
Min. Balance for APYN/A$0
Monthly Fee$0$0
Branch AccessYesNone
Account Type
Online & Branches
Online Only
Direct Deposit Req.
RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
None
Checking Bundle YesNo
Mobile Apps
iOS4.8
Android4.1
iOS-
Android-
BBB RatingA-A+
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

TIMBR earns $260 more than Presidential Bank.

Presidential Bank

Advantage Savings

4.00% APY

Savings Breakdown

  • Interest Earned
    +$2,434.70(11.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,434.70

Effective APY
4.00%
View Details

TIMBR

Premium Savings Account

4.40% APY

Savings Breakdown

  • Interest Earned
    +$2,694.70(13.0%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,694.70

Effective APY
4.40%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricPresidential BankTIMBR
Advantage SavingsPremium Savings Account
Current APY
4.00%4.40%
Trend
 Stable Stable
Velocity (bps/mo)
-2.7-1.3
Days Since Change
15236
10-Month High
4.50%4.55%
10-Month Low
4.00%4.40%
Adjustments / Mo
0.210.10
Volatility Score
0.0320.013
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 290-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar Alternatives

Compare Presidential Bank vs...

Comparing against other Bundled Accounts

vs Presidential Bank
Axos BankChecking Bundle
4.31%
APY
vs Presidential Bank
SoFi BankChecking Bundle
4.30%
APY
vs Presidential Bank
UFB DirectChecking Bundle
3.71%
APY

Compare TIMBR vs...

Comparing against Standard Savings

vs TIMBR
PibankNo Bundle Req
4.60%
APY
vs TIMBR
Neighbors BankNo Bundle Req
4.50%
APY
vs TIMBR
Newtek BankNo Bundle Req
4.35%
APY

More Comparisons

Compare Presidential Bank's APY of 4.00% with other banks
Bank PairCompetitor APYMin Deposit
Presidential Bank vs Ally Bank3.30%$0
Presidential Bank vs American Express3.40%$0
Presidential Bank vs Axos Bank4.31%$0
Presidential Bank vs Bank of America0.01%$100
Presidential Bank vs Barclays4.00%$0
Presidential Bank vs Bask Bank3.90%$0
Presidential Bank vs BMO Alto3.25%$0
Presidential Bank vs BrioDirect4.00%$5,000
Presidential Bank vs Capital One3.40%$0
Presidential Bank vs Chase Bank0.01%$0
Presidential Bank vs Chime3.50%$0
Presidential Bank vs CIT Bank3.75%$100
Presidential Bank vs Citibank3.30%$0
Presidential Bank vs Citizens Access™3.35%$0.01
Presidential Bank vs Climate First Bank4.21%$50
Presidential Bank vs Discover Bank3.40%$0
Presidential Bank vs Elevault4.08%$0
Presidential Bank vs EverBank4.05%$0
Presidential Bank vs Fitness Bank4.75%$100
Presidential Bank vs FNBO Direct3.00%$1
Presidential Bank vs Forbright Bank4.00%$0
Presidential Bank vs FVCbank3.85%$500
Presidential Bank vs GO2bank4.50%$0
Presidential Bank vs Ivy Bank4.25%$2,500
Presidential Bank vs LendingClub4.20%$0
Presidential Bank vs Marcus by Goldman Sachs3.65%$0
Presidential Bank vs Neighbors Bank4.50%$0
Presidential Bank vs Newtek Bank4.35%$0.01
Presidential Bank vs Openbank4.20%$500
Presidential Bank vs Peak Bank4.20%$100
Presidential Bank vs Pibank4.60%$0
Presidential Bank vs PNC3.53%$0
Presidential Bank vs Quontic Bank3.75%$100
Presidential Bank vs Salem Five Direct3.71%$10
Presidential Bank vs Santander Bank0.01%$25
Presidential Bank vs SoFi Bank4.30%$0
Presidential Bank vs Synchrony Bank3.65%$0
Presidential Bank vs UFB Direct3.71%$5000
Presidential Bank vs Valley Direct4.10%$1,000
Presidential Bank vs Varo Bank5.00%$0
Presidential Bank vs Vio Bank4.16%$100
Presidential Bank vs Wealthfront4.15%$0
Presidential Bank vs Wells Fargo0.05%$25
Presidential Bank vs Zynlo Bank4.05%$10
Compare TIMBR's APY of 4.40% with other banks
Bank PairCompetitor APYMin Deposit
TIMBR vs Ally Bank3.30%$0
TIMBR vs American Express3.40%$0
TIMBR vs Axos Bank4.31%$0
TIMBR vs Bank of America0.01%$100
TIMBR vs Barclays4.00%$0
TIMBR vs Bask Bank3.90%$0
TIMBR vs BMO Alto3.25%$0
TIMBR vs BrioDirect4.00%$5,000
TIMBR vs Capital One3.40%$0
TIMBR vs Chase Bank0.01%$0
TIMBR vs Chime3.50%$0
TIMBR vs CIT Bank3.75%$100
TIMBR vs Citibank3.30%$0
TIMBR vs Citizens Access™3.35%$0.01
TIMBR vs Climate First Bank4.21%$50
TIMBR vs Discover Bank3.40%$0
TIMBR vs Elevault4.08%$0
TIMBR vs EverBank4.05%$0
TIMBR vs Fitness Bank4.75%$100
TIMBR vs FNBO Direct3.00%$1
TIMBR vs Forbright Bank4.00%$0
TIMBR vs FVCbank3.85%$500
TIMBR vs GO2bank4.50%$0
TIMBR vs Ivy Bank4.25%$2,500
TIMBR vs LendingClub4.20%$0
TIMBR vs Marcus by Goldman Sachs3.65%$0
TIMBR vs Neighbors Bank4.50%$0
TIMBR vs Newtek Bank4.35%$0.01
TIMBR vs Openbank4.20%$500
TIMBR vs Peak Bank4.20%$100
TIMBR vs Pibank4.60%$0
TIMBR vs PNC3.53%$0
TIMBR vs Quontic Bank3.75%$100
TIMBR vs Salem Five Direct3.71%$10
TIMBR vs Santander Bank0.01%$25
TIMBR vs SoFi Bank4.30%$0
TIMBR vs Synchrony Bank3.65%$0
TIMBR vs UFB Direct3.71%$5000
TIMBR vs Valley Direct4.10%$1,000
TIMBR vs Varo Bank5.00%$0
TIMBR vs Vio Bank4.16%$100
TIMBR vs Wealthfront4.15%$0
TIMBR vs Wells Fargo0.05%$25
TIMBR vs Zynlo Bank4.05%$10