Vio Bank vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Vio BankOnline Savings Account Jan 7, 2026 | WealthfrontCash Account Jan 7, 2026 |
|---|---|---|
| APY | 4.09% | 3.25% - 3.90% |
Est. Earnings | $5,000+$205 $10,000+$409 $25,000+$1,023 | $5,000+$171 $10,000+$341 $25,000+$853 |
Min Deposit | $100 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredLow MinimumsGreat iOS App | FDIC InsuredNo MinimumsGreat iOS AppGreat Android 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 Vio Bank vs. Wealthfront
As of Vio Bank offers an APY of 4.09% for its Online Savings Account, with a minimum balance of $0, compared to Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
Vio Bank pays $68 more than Wealthfront on a $10,000 balance after one year. Vio Bank pays $409, while Wealthfront pays $341 (with an effective APY of 3.41%) - an APY advantage for Vio Bank.
Why Vio Bank?
- ✓Higher potential APY (4.09% vs 3.90%) on all balances
Why Wealthfront?
- ✓Higher rated Android app (4.9 vs 3.4)
— Key Feature Differences —
Better Returns at $10,000
Vio BankVio Bank's Online Savings Account earns more on smaller deposits (approx. $409 vs $341/yr).
Better Returns at $25,000
Vio BankVio Bank's Online Savings Account pulls ahead with larger amounts (approx. $1023 vs $853/yr).
Best Mobile App Experience
WealthfrontWealthfront offers an iOS app rated 4.8 (vs. 4.6) and Android app rated 4.9 (vs. 3.4)
Shared Benefits
Over a 1-year period, Vio Bank's Online Savings Account pays $68 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet Vio Bank's standard rate still yields a higher 1-year return.
Executive Summary as of
Vio Bank offers a competitive Online Savings Account with an APY of 4.09%, making it the top choice for savers looking for higher returns, especially on larger deposits. In contrast, Wealthfront's Cash Account provides a promotional APY of 3.90% for the first three months, dropping to 3.25% thereafter. Both accounts are online-only and require no maintenance fees, but Vio Bank's account consistently outperforms Wealthfront's after the initial promotional period. Additionally, Wealthfront is noted for its user-friendly mobile app experience, but for higher interest rates, Vio Bank is the clear winner.
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
Vio Bank vs. Wealthfront Savings Calculator
You earn $66.5 more with Vio Bank than Wealthfront 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.
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
Wealthfront
Cash Account
Promo Rate: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$342.50(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,342.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Vio Bank | Wealthfront |
|---|---|---|
| APY | 4.09% Verified: 1/7/2026 - | 3.90% Range: 3.25% - 3.90% Verified: 1/7/2026 - |
| Product Name | Online Savings Account | Cash Account |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0, if electronic statements selected, otherwise $5 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.6 Android3.4 | iOS4.8 Android4.9 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | F |
| Important Notes | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at Vio Bank Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Vio Bank | Wealthfront |
|---|---|---|
| Online Savings Account | Cash Account | |
Current APY | 4.09% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.7 | -18.8 |
Days Since Change | 1 | 19 |
2-Month High | 4.21% | 4.15% |
2-Month Low | 4.09% | 3.90% |
Adjustments / Mo | 1.07 | 0.54 |
Volatility Score | 0.005 | 0.030 |
How to read these metrics(Click to expand)
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