Presidential Bank vs. Vio Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Presidential BankAdvantage Savings Jan 7, 2026 | Vio BankOnline Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.25% - 3.75% | 4.09% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$205 $10,000+$409 $25,000+$1,023 |
Min Deposit | $5,000 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedDirect Deposit ReqChecking Bundle | FDIC InsuredLow MinimumsGreat iOS 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 Presidential Bank vs. Vio Bank
As of Presidential Bank offers an APY of 3.75% for its Advantage Savings account, with a minimum balance of N/A, compared to Vio Bank's 4.09% APY for its Online Savings Account, with a minimum balance of $0.
Vio Bank pays $34 more than Presidential Bank on a $10,000 balance after one year. Presidential Bank pays $375, while Vio Bank pays $409 - an APY advantage for Vio Bank.
Why Presidential Bank?
- ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
- ✓Higher rated Android app (4.2 vs 3.4)
- ✓Fast transfers via Zelle®
Why Vio Bank?
- ✓Higher potential APY (4.09% vs 3.75%) on all balances
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
Vio BankVio Bank's Online Savings Account earns more on smaller deposits (approx. $409 vs $375/yr).
Better Returns at $25,000
Vio BankVio Bank's Online Savings Account pulls ahead with larger amounts (approx. $1023 vs $938/yr).
Best for Simplicity
Vio BankVio Bank's Online Savings Account offers 4.09% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Presidential BankPresidential Bank offers an iOS app rated 4.8 (vs. 4.6) and Android app rated 4.2 (vs. 3.4)
Shared Benefits
Over a 1-year period, Vio Bank's Online Savings Account pays $34 more interest on a $10,000 balance than Presidential Bank's Advantage Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Vio Bank offers a competitive Online Savings Account with an APY of 4.09%, making it the winner in this comparison. This account requires a minimum deposit of just $100 and has no direct deposit requirement, providing a straightforward option for savers. In contrast, Presidential Bank's Advantage Savings account offers a lower APY of 3.75%, but requires a monthly direct deposit of $500 into an Advantage Checking Account to earn the higher rate. While Presidential Bank has a strong mobile app experience, Vio Bank's account is noted for its simplicity and better returns, especially at higher deposit amounts.
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
Presidential Bank vs. Vio Bank Savings Calculator
You earn $34 more with Vio Bank than Presidential 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.
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
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 | Presidential Bank | Vio Bank |
|---|---|---|
| APY | 3.75% Range: 3.25% - 3.75% Verified: 1/7/2026 ↘︎ 0.75%90d Change | 4.09% Verified: 1/7/2026 - |
| Product Name | Advantage Savings | Online Savings Account |
| Minimum Deposit | $5,000 | $100 |
| Min. Balance for APY | N/A | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| Branch Access | Yes | None |
| 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 | Yes | No |
| Mobile Apps | iOS4.8 Android4.2 | iOS4.6 Android3.4 |
| Zelle® Support | Available Native integration; Advantage Savings supports Zelle. | Not Supported |
| BBB Rating | A- | A+ |
| Next Steps | Visit SiteVerify at Presidential 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 | Presidential Bank | Vio Bank |
|---|---|---|
| Advantage Savings | Online Savings Account | |
Current APY | 3.75% | 4.09% |
Trend | Stable | Stable |
Velocity (bps/mo) | -28.7 | -2.6 |
Days Since Change | 21 | 1 |
2-Month High | 4.25% | 4.21% |
2-Month Low | 3.75% | 4.09% |
Adjustments / Mo | 1.09 | 1.09 |
Volatility Score | 0.043 | 0.005 |
How to read these metrics(Click to expand)
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