Synchrony Bank vs. Vio Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Synchrony Bank vs. Vio Bank
Key Metrics at a Glance
| Feature | Synchrony Bank | Vio Bank |
|---|---|---|
| Top Savings APY | 3.80% High Yield Savings | 4.21% Online Savings Account |
| Minimum to Open | $0 | $100 |
| Minimum Balance for Top APY | $0 | $0 |
Synchrony Bank
Strengths
- Synchrony Bank has no minimum deposit requirement for its High Yield Savings account.
- Synchrony Bank's High Yield Savings account has a competitive APY of 3.80%.
- Synchrony Bank boasts a high App Store rating of 4.8.
Potential Drawbacks
- Synchrony Bank is not rated by the BBB, which may raise trust concerns.
Vio Bank
Strengths
- Vio Bank offers a higher APY of 4.21% for its Online Savings Account.
- Vio Bank has an A+ BBB rating and is BBB Accredited.
- Vio Bank has a lower maintenance fee if electronic statements are selected.
Potential Drawbacks
- Vio Bank requires a minimum deposit of $100 to open an Online Savings Account.
- Vio Bank has a lower Google Play rating of 3.3.
→ As of November 12, 2025 Synchrony Bank offers an APY of 3.80% for its High Yield 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.
→ Vio Bank yields $41 more than Synchrony Bank on a $10,000 balance after one year. Synchrony Bank pays $380, while Vio Bank pays $421 - an APY advantage for Vio Bank.
Calculate Savings Growth for Synchrony Bank vs Vio Bank
Synchrony Bank - High Yield Savings
Total savings breakdown:
- Interest earned: $2,305.9 (11.36%)
- Total contributions: $13,000 (64.02%)
- Initial deposit: $5,000 (24.62%)
Your total balance
$20,305.90
Total balance: $20,305.9
Earnings: $2,305.9
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, Synchrony Bank's total earnings would be $264.9 lower than Vio Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Synchrony Bank's vs Vio Bank's Savings Accounts
| Synchrony Bank | Vio Bank | ||
|---|---|---|---|
| Product | High Yield Savings | vs | Online Savings Account |
| APY | 3.80% (as of 11/12/2025) | 4.21% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | 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 | |
| App Store Rating | 4.8/5 | 4.6/5 | |
| Google Play Rating | 4.5/5 | 3.3/5 | |
| BBB Rating | Not Rated | A+ |
No historical data available.