Timbr vs. Vio Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of TIMBR vs. Vio Bank
Key Metrics at a Glance
| Feature | TIMBR | Vio Bank |
|---|---|---|
| Top Savings APY | 4.40% Premium Savings Account | 4.21% Online Savings Account |
| Minimum to Open | $1,000 | $100 |
| Minimum Balance for Top APY | $0 | $0 |
TIMBR
Strengths
- TIMBR offers a higher APY of 4.40% compared to Vio Bank's 4.21%.
- No maintenance fees for TIMBR's Premium Savings Account.
Potential Drawbacks
- TIMBR is not BBB Accredited, which may affect trust.
- No branches available for TIMBR customers.
Vio Bank
Strengths
- Vio Bank is BBB Accredited, indicating higher trustworthiness.
- Vio Bank has a higher App Store rating of 4.6.
Potential Drawbacks
- Vio Bank's APY of 4.21% is lower than TIMBR's 4.40%.
- Vio Bank charges a $5 maintenance fee if electronic statements are not selected.
→ As of November 12, 2025 TIMBR offers an APY of 4.40% for its Premium 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.
→ TIMBR yields $19 more than Vio Bank on a $10,000 balance after one year. TIMBR pays $440, while Vio Bank pays $421 - an APY advantage for TIMBR.
Calculate Savings Growth for TIMBR vs Vio Bank
TIMBR - Premium Savings Account
Total savings breakdown:
- Interest earned: $2,694.7 (13.02%)
- Total contributions: $13,000 (62.82%)
- Initial deposit: $5,000 (24.16%)
Your total balance
$20,694.70
Total balance: $20,694.7
Earnings: $2,694.7
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, TIMBR's total earnings would be $123.9 higher than Vio Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare TIMBR's vs Vio Bank's Savings Accounts
| TIMBR | Vio Bank | ||
|---|---|---|---|
| Product | Premium Savings Account | vs | Online Savings Account |
| APY | 4.40% (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 | $1,000 | $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 | No | 4.6/5 | |
| Google Play Rating | No | 3.3/5 | |
| BBB Rating | A+ | A+ |
No historical data available.