Vio Bank vs. Wealthfront
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Vio Bank vs. Wealthfront
Key Metrics at a Glance
| Feature | Vio Bank | Wealthfront |
|---|---|---|
| Top Savings APY | 4.21% Online Savings Account | 4.15% Cash Account |
| Minimum to Open | $100 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
| Note | 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 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. |
Vio Bank
Strengths
- Vio Bank offers a higher APY of 4.21% compared to Wealthfront's 4.15%.
- Vio Bank has an A+ BBB rating and is BBB Accredited.
- No maintenance fees for Vio Bank's Online Savings Account if electronic statements are selected.
Potential Drawbacks
- Vio Bank's App Store rating is lower at 4.6 compared to Wealthfront's 4.8.
- Vio Bank has a maintenance fee of $5 if paper statements are chosen.
Wealthfront
Strengths
- Wealthfront has a higher Google Play rating of 4.9 versus Vio Bank's 3.3.
- Wealthfront has no minimum deposit or balance requirements for its Cash Account.
Potential Drawbacks
- Wealthfront's APY drops to 3.50% after the initial 3 months.
- Wealthfront has an F BBB rating and is not BBB Accredited.
→ As of November 12, 2025 Vio Bank offers an APY of 4.21% for its Online Savings Account, with a minimum balance of $0, compared to Wealthfront's 4.15% APY for its Cash Account, with a minimum balance of $0.
→ Vio Bank yields $6 more than Wealthfront on a $10,000 balance after one year. Vio Bank pays $421, while Wealthfront pays $415 - an APY advantage for Vio Bank.
Calculate Savings Growth for Vio Bank vs Wealthfront
Vio 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 OverviewWealthfront - Cash Account
Total savings breakdown:
- Interest earned: $2,531.8 (12.33%)
- Total contributions: $13,000 (63.32%)
- Initial deposit: $5,000 (24.35%)
Your total balance
$20,531.80
Total balance: $20,531.8
Earnings: $2,531.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Vio Bank's total earnings would be $39 higher than Wealthfront's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Vio Bank's vs Wealthfront's Savings Accounts
| Vio Bank | Wealthfront | ||
|---|---|---|---|
| Product | Online Savings Account | vs | Cash Account |
| APY | 4.21% (as of 11/12/2025) | 3.50% - 4.15% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $100 | $0 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0, if electronic statements selected, otherwise $5 | $0 | |
| Direct Deposit Required | No | No | |
| Note | 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 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. | ||
| App Store Rating | 4.6/5 | 4.8/5 | |
| Google Play Rating | 3.3/5 | 4.9/5 | |
| BBB Rating | A+ | F |
No historical data available.