Bundled High-Yield Savings & Checking Accounts
By Aviel Fahl|Last Updated: November 16, 2025
Here you'll find FDIC-insured banks offering high-yield savings accounts with:- 💰 Competitive APYs on savings when bundled with checking
- 📅 Typically requiring direct deposits or monthly activity
- 🏦 The convenience of managing both accounts together
Top Savings & Checking Combos on November 16, 2025
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1. Varo Bank
Savings Account: High-Yield Savings Account
Top APY: 5.00%
Minimum Deposit: $0
Minimum Balance for APY: $0.01
| Feature | Details |
|---|---|
| APY: | 2.50% - 5.00% (rate verified Nov 16, 2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | Earn 5.00% APY on up to $5,000 and 2.50% APY on the rest. A Varo bank account & direct deposit required. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.9/5 Google Play Rating: 4.6/5 |
| Bundled: | Yes |
| Direct Deposit Required: | Yes. Min. $1,000/month |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 59190) |
| Affiliation: | Varo Money, Inc. |
| Better Business Bureau (BBB): | BBB Rating: A BBB Accredited |
| Branches: | None |
Calculate Savings for Varo Bank
High-Yield Savings Account (APY: 2.50% ⎼ 5.00%)
ℹ️You earn 5.00% on the first $5,000 and 2.50% on the rest.
Total savings breakdown:
- Interest earned: $1,561.3 (10.03%)
- Total contributions: $13,000 (83.54%)
- Initial deposit: $1,000 (6.43%)
Your total balance
$15,561.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
2. Fitness Bank
Savings Account: Fitness Elite Checking & Fitness Savings Combo
Top APY: 4.75%
Minimum Deposit: $100
Minimum Balance for APY: $100
| Feature | Details |
|---|---|
| APY: | 4.75% (rate verified Nov 16, 2025) |
| APY Trend: | ↘︎ -0.10% QoQ |
| Note: | This is a tiered account. To earn the highest tier you must make 15 debit card transactions per Account Period, maintain $5,000 avg. minimum balance in the Elite Checking account, track at least 10,000 avg. daily steps using the FitnessBank Step Tracker app, as well as maintain a savings balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers. |
| Maintenance Fee: | $10. Waived for average daily balances > $100 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 1.7/5 Google Play Rating: N/A |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 29510) |
| Affiliation: | FitnessBank is a division of Affinity Bank (formerly Atlanta Business Bank). Newton Federal is also a division of Affinity Bank and the same company. Affinity Bancshares INC (Nasdaq: AFBI) serves as the holding company |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
Calculate Savings for Fitness Bank
Fitness Elite Checking & Fitness Savings Combo (APY: 4.75%)
Total savings breakdown:
- Interest earned: $1,880.1 (11.84%)
- Total contributions: $13,000 (81.86%)
- Initial deposit: $1,000 (6.30%)
Your total balance
$15,880.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
3. Axos Bank
Savings Account: Axos ONE
Top APY: 4.51%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.51% (rate verified Nov 16, 2025) |
| APY Trend: | ↗︎ +0.05% QoQ |
| Note: | This APY is only available with the Axos ONE savings and checking bundle. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.7/5 Google Play Rating: 4.5/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No. Not required, but is the easiest way to earn the highest APY. |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 35546) |
| Affiliation: | Holding company of Axos Financial, Inc. (NYSE: AX) |
| Better Business Bureau (BBB): | BBB Rating: A+ BBB Accredited |
| Branches: | None |
Calculate Savings for Axos Bank
Axos ONE (APY: 4.51%)
Total savings breakdown:
- Interest earned: $1,779.6 (11.28%)
- Total contributions: $13,000 (82.38%)
- Initial deposit: $1,000 (6.34%)
Your total balance
$15,779.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
4. GO2bank
Savings Account: High Yield Savings
Top APY: 4.50%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.50% (rate verified Nov 16, 2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to 5,000. Balances above that earn no interest. |
| Maintenance Fee: | $5 per month, unless you set up direct deposit |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.5/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | Quarterly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 22653) |
| Affiliation: | GO2bank is a tradename of Green Dot Bank. |
| Better Business Bureau (BBB): | BBB Rating: Not Rated Not BBB Accredited |
Calculate Savings for GO2bank
High Yield Savings (APY: 4.50%)
ℹ️You earn 4.50% on the first $5,000 and 0.00% on the rest.
Total savings breakdown:
- Interest earned: $1,029.3 (6.85%)
- Total contributions: $13,000 (86.50%)
- Initial deposit: $1,000 (6.65%)
Your total balance
$15,029.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
5. SoFi Bank
Savings Account: SoFi Savings
Top APY: 4.30%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.30% (rate verified Nov 16, 2025) |
| APY Trend: | ↘︎ -0.20% WoW/+0.50% QoQ |
| Note: | Limited offer: you can earn a 0.70% APY boost for 6 months, making the total APY 4.30%. This requires either a direct deposit of regular income, or a $10/month subscription. See terms at SoFi Bank. The savings account comes bundled with a checking account. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.0/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No. Without direct deposit or "Qualifying Deposits" the APY will be significantly lower |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 26881) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
Calculate Savings for SoFi Bank
SoFi Savings (APY: 4.30%)
Total savings breakdown:
- Interest earned: $1,692.2 (10.78%)
- Total contributions: $13,000 (82.84%)
- Initial deposit: $1,000 (6.37%)
Your total balance
$15,692.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
6. Presidential Bank
Savings Account: Advantage Savings
Top APY: 4.25%
Minimum Deposit: $5,000
Minimum Balance for APY: N/A
| Feature | Details |
|---|---|
| APY: | 3.75% - 4.25% (rate verified Nov 16, 2025) |
| APY Trend: | ↘︎ -0.25% MoM |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.1/5 |
| Bundled: | Yes |
| Direct Deposit Required: | Yes. To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 32363) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: A- Not BBB Accredited |
| Branches: | 10 locations in Maryland, Virginia and Washington D.C. |
Calculate Savings for Presidential Bank
Advantage Savings (APY: 3.75% ⎼ 4.25%)
Total savings breakdown:
- Interest earned: $2,596.8 (12.61%)
- Total contributions: $13,000 (63.12%)
- Initial deposit: $5,000 (24.28%)
Your total balance
$20,596.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
7. ROGER
Savings Account: ROGER Savings
Top APY: 3.87%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 3.87% (rate verified Nov 16, 2025) |
| APY Trend: | ↘︎ -0.25% QoQ |
| Note: | The 3.87% APY is for balances up to $250,000, while higher balances earn no interest. You need a ROGER Checking account to open. While designed for military members and their families, ROGER is open to all. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.5/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 4084) |
| Affiliation: | ROGER is a registered trademark of Citizens Bank of Edmond |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
Calculate Savings for ROGER
ROGER Savings (APY: 3.87%)
Total savings breakdown:
- Interest earned: $1,514.6 (9.76%)
- Total contributions: $13,000 (83.79%)
- Initial deposit: $1,000 (6.45%)
Your total balance
$15,514.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
8. Chime
Savings Account: Chime Savings Account
Top APY: 3.50%
Minimum Deposit: $0
Minimum Balance for APY: $0.01
| Feature | Details |
|---|---|
| APY: | 1.00% - 3.50% (rate verified Nov 16, 2025) |
| APY Trend: | ↘︎ -0.25% QoQ |
| Note: | Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. To open a savings account you must first open a checking account. To qualify for Chime+ with the 3.50% APY, you must have a Chime Checking account and receive a direct deposit of at least $200. Otherwise, the APY is 1.00%. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.7/5 |
| Bundled: | Yes |
| Direct Deposit Required: | Yes. You need to receive a qualifying direct deposit of $200 or more within the preceding 34 days |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: A+ BBB Accredited |
Calculate Savings for Chime
Chime Savings Account (APY: 1.00% ⎼ 3.50%)
Total savings breakdown:
- Interest earned: $1,363.3 (8.87%)
- Total contributions: $13,000 (84.62%)
- Initial deposit: $1,000 (6.51%)
Your total balance
$15,363.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
9. Northeast Bank
Savings Account: Propel Preferred Savings
Top APY: 3.00%
Minimum Deposit: $50
Minimum Balance for APY: $0.01
| Feature | Details |
|---|---|
| APY: | 3.00% (rate verified Nov 16, 2025) |
| APY Trend: | N/A |
| Note: | The 3.00% APY requires an active Propel Premier Checking account, or a much lower APY applies. See bank for details. |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.7/5 Google Play Rating: 4.3/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | N/A |
| Eligibility: | Available to Maine residents only. |
| Deposit Insurance: | FDIC (Cert: 19690) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
| Branches: | 7 locations in Maine (Western, Central and Southern) |
Calculate Savings for Northeast Bank
Propel Preferred Savings (APY: 3.00%)
Total savings breakdown:
- Interest earned: $1,161.1 (7.66%)
- Total contributions: $13,000 (85.75%)
- Initial deposit: $1,000 (6.60%)
Your total balance
$15,161.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
10. TD Bank
Savings Account: TD Signature Savings
Top APY: 2.75%
Minimum Deposit: $0
Minimum Balance for APY: $100,000
| Feature | Details |
|---|---|
| APY: | 0.05% - 2.75% (rate verified Nov 16, 2025) |
| APY Trend: | ↘︎ -0.25% QoQ |
| Note: | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY. |
| Maintenance Fee: | $10. Waived under some circumstances. |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.0/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 33947) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: Not Rated Not BBB Accredited |
| Branches: | Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC |
Calculate Savings for TD Bank
TD Signature Savings (APY: 0.05% ⎼ 2.75%)
⚠️ The minimum balance for the higher APY on this account is $100,000.
Total savings breakdown:
- Interest earned: $18.6 (0.13%)
- Total contributions: $13,000 (92.73%)
- Initial deposit: $1,000 (7.13%)
Your total balance
$14,018.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.