Presidential Bank vs. Vio Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Presidential Bank vs. Vio Bank
Key Metrics at a Glance
| Feature | Presidential Bank | Vio Bank |
|---|---|---|
| Top Savings APY | 4.25% Advantage Savings | 4.21% Online Savings Account |
| Minimum to Open | $5,000 | $100 |
| Minimum Balance for Top APY | N/A | $0 |
Presidential Bank
Strengths
- Presidential Bank offers a higher APY of 4.25% compared to Vio Bank's 4.21%.
- Presidential Bank has 10 branches in Maryland, Virginia, and Washington D.C.
- Presidential Bank's App Store rating is 4.8, higher than Vio Bank's 4.6.
Potential Drawbacks
- To earn the higher APY, a monthly direct deposit of $500 is required.
- Presidential Bank's APY decreased from 4.50% over the last 30 days.
- Presidential Bank is not BBB Accredited, unlike Vio Bank.
Vio Bank
Strengths
- Vio Bank is BBB Accredited with an A+ rating.
- Vio Bank has no direct deposit requirement for its savings account.
- Vio Bank has a lower minimum deposit of $100 for account opening.
Potential Drawbacks
- Vio Bank has no physical branches, operating exclusively online.
- Vio Bank's Google Play rating is lower at 3.3 compared to Presidential Bank's 4.1.
- Vio Bank's APY is slightly lower at 4.21% compared to Presidential Bank's 4.25%.
→ As of November 12, 2025 Presidential Bank offers an APY of 4.25% for its Advantage Savings account, with a minimum balance of N/A, compared to Vio Bank's 4.21% APY for its Online Savings Account, with a minimum balance of $0.
→ Presidential Bank yields $4 more than Vio Bank on a $10,000 balance after one year. Presidential Bank pays $425, while Vio Bank pays $421 - an APY advantage for Presidential Bank.
Calculate Savings Growth for Presidential Bank vs Vio Bank
Presidential Bank - Advantage Savings
Total savings breakdown:
- Interest earned: $2,596.8 (12.61%)
- Total contributions: $13,000 (63.12%)
- Initial deposit: $5,000 (24.28%)
Your total balance
$20,596.80
Total balance: $20,596.8
Earnings: $2,596.8
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, Presidential Bank's total earnings would be $26 higher than Vio Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Presidential Bank's vs Vio Bank's Savings Accounts
| Presidential Bank | Vio Bank | ||
|---|---|---|---|
| Product | Advantage Savings | vs | Online Savings Account |
| APY | 3.75% - 4.25% (as of 11/12/2025) | 4.21% (as of 11/12/2025) | |
| Bundled Account | Yes | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $5,000 | $100 | |
| Minimum Balance for APY | N/A | $0 | |
| Maintenance Fee | $0 | $0, if electronic statements selected, otherwise $5 | |
| Direct Deposit Required | Yes. To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. | No | |
| App Store Rating | 4.8/5 | 4.6/5 | |
| Google Play Rating | 4.1/5 | 3.3/5 | |
| BBB Rating | A- | A+ |
No historical data available.