Vio Bank vs. Wealthfront
Comparing Vio Bank and Wealthfront for high-yield savings: Vio Bank's Online Savings Account pays 4.03% APY while Wealthfront's Cash Account pays 3.95% APY (including a 3-month 0.65% promo boost).
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Vio Bank pays $57 more than Wealthfront annually ($403 vs $346).
Choose Vio Bank if getting the best rate matters most, you want a no-strings-attached account, you want to avoid a promo rate with a scheduled drop, or BBB rating matters to you. Choose Wealthfront if you're an Android user.
Important Considerations
The key difference? Wealthfront's 3.95% rate includes a promotional bonus for the first 3 months, after which it reverts to the standard rate (currently 3.30%). Vio Bank's 4.03% rate has no scheduled drop, though all rates are subject to change.
| Metric | Vio BankOnline Savings Account Feb 21, 2026 | WealthfrontCash Account Feb 21, 2026 |
|---|---|---|
| APY | 4.03% | 3.30% - 3.95% |
Est. Earnings | $5,000+$202 $10,000+$403 $25,000+$1,008 | $5,000+$173 $10,000+$346 $25,000+$866 |
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 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredLow MinimumsGreat iOS AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Vio Bank vs. Wealthfront
Executive Summary
Vio Bank offers a competitive Online Savings Account with an APY of 4.03%, making it the winner in this comparison. This account requires a minimum deposit of $100 and has no maintenance fees if electronic statements are selected. In contrast, Wealthfront's Cash Account provides an introductory APY of 3.95% for the first three months, after which it drops to 3.30%. While Wealthfront has a strong mobile app experience, Vio Bank's higher APY on savings accounts positions it as the more lucrative option for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Vio Bank?
No distinct advantages found vs Wealthfront.
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. $403 vs $346/yr).
Better Returns at $25,000
Vio BankVio Bank's Online Savings Account pulls ahead with larger amounts (approx. $1008 vs $866/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 $57 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Vio Bank vs. Wealthfront Savings Calculator
You earn $55.5 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+$403.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,403.00
Wealthfront
Cash Account
Promo Rate: 3.95% for 3 months, then 3.30%.
Savings Breakdown
- Interest Earned+$347.50(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,347.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $345 per year in interest.
Both Vio Bank and Wealthfront dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Vio Bank | Wealthfront |
|---|---|---|
| APY | 4.03% Verified: 2/21/2026 ↘︎ 0.13%90d Change | 3.95% Range: 3.30% - 3.95% Verified: 2/21/2026 ↘︎ 0.20%90d Change |
| 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 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | Yes |
| 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 3.95% for 3 months, after which the 3.30% 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 | 4.03% | 3.95% |
Trend | Stable | Stable |
Velocity (bps/mo) | -6.2 | -8.6 |
Days Since Change | 8 | 22 |
3-Month High | 4.21% | 4.15% |
3-Month Low | 4.02% | 3.90% |
Adjustments / Mo | 1.20 | 0.60 |
Volatility Score | 0.016 | 0.028 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Vio Bank's APY of 4.03% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Vio Bank vs Ally Bank | 3.20% | $0 |
| Vio Bank vs American Express | 3.30% | $0 |
| Vio Bank vs Axos Bank | 4.21% | $0 |
| Vio Bank vs Bank of America | 0.01% | $100 |
| Vio Bank vs Barclays | 3.85% | $0 |
| Vio Bank vs Capital One | 3.30% | $0 |
| Vio Bank vs Chase Bank | 0.01% | $0 |
| Vio Bank vs Chime | 3.00% | $0 |
| Vio Bank vs CIT Bank | 3.75% | $100 |
| Vio Bank vs Citibank | 3.20% | $0 |
| Vio Bank vs Discover Bank | 3.30% | $0 |
| Vio Bank vs EverBank | 3.90% | $0 |
| Vio Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Vio Bank vs Newtek Bank | 4.20% | $0.01 |
| Vio Bank vs Openbank | 4.09% | $500 |
| Vio Bank vs Pibank | 4.60% | $0 |
| Vio Bank vs SoFi Bank | 4.00% | $0 |
| Vio Bank vs Synchrony Bank | 3.50% | $0 |
| Vio Bank vs Varo Bank | 5.00% | $0 |
| Vio Bank vs Wells Fargo | 0.05% | $25 |