Bundled High-Yield Savings & Checking Accounts
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 April 1, 2025
1. Fitness Bank
Savings Account: Fitness Elite Checking & Fitness Savings Combo
Top APY: 5.00%→
Minimum Deposit: $100
Minimum Balance for APY: $100
| Feature | Details |
|---|---|
| APY: | 5.00% (4/1/2025) |
| APY Trend: | Stable |
| 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 |
| FDIC-insured: | Yes |
| 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: N/A |
Calculate Savings for Fitness Bank
Fitness Elite Checking & Fitness Savings Combo (APY: 5.00%)
Total savings breakdown:
- Interest earned: $5 (4.76%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (95.24%)
Your total balance
$105.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
2. ROGER
Savings Account: ROGER Savings
Top APY: 5.00%→
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 5.00% (4/1/2025) |
| APY Trend: | Stable |
| Note: | The 5.00% 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: 4.9/5 Google Play Rating: 4.9/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| Affiliation: | ROGER is a registered trademark of Citizens Bank of Edmond |
| Better Business Bureau (BBB): | BBB Rating: N/A |
Calculate Savings for ROGER
ROGER Savings (APY: 5.00%)
Total savings breakdown:
- Interest earned: $5 (4.76%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (95.24%)
Your total balance
$105.00
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: 4.66%↘︎
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.66% (4/1/2025) |
| APY Trend: | -0.20% WoW |
| Note: | This APY is only available in the Axos ONE savings and checking bundle. Must maintain $1,500 on avg. daily balance in ONE Checking for APY. |
| 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: | Yes. Min. $1,500/month to ONE Checking. |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| 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: 4.66%)
Total savings breakdown:
- Interest earned: $5 (4.76%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (95.24%)
Your total balance
$105.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
4. Presidential Bank
Savings Account: Advantage Savings
Top APY: 4.50%→
Minimum Deposit: $5,000
Minimum Balance for APY: N/A
| Feature | Details |
|---|---|
| APY: | 4.00% - 4.50% (4/1/2025) |
| APY Trend: | Stable |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.2/5 |
| 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 |
| FDIC-insured: | Yes |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: B- Not BBB Accredited |
| Branches: | 10 locations in Maryland, Virginia and Washington D.C. |
Calculate Savings for Presidential Bank
Advantage Savings (APY: 4.00% ⎼ 4.50%)
Total savings breakdown:
- Interest earned: $225 (4.31%)
- Total contributions: $0 (0.00%)
- Initial deposit: $5,000 (95.69%)
Your total balance
$5,225.00
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: 3.80%→
Minimum Deposit: $1,000
Minimum Balance for APY: $1,000
| Feature | Details |
|---|---|
| APY: | 3.80% (4/1/2025) |
| APY Trend: | Stable |
| Note: | The 3.80% APY requires either a direct deposit of regular income (of any amount) or a Qualifying Deposit of $5,000 for any 30-day period. 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: 4.1/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No. Without direct deposit or "Qualifying Deposits" the APY will be significantly lower |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: N/A |
Calculate Savings for SoFi Bank
SoFi Savings (APY: 3.80%)
Total savings breakdown:
- Interest earned: $38 (3.66%)
- Total contributions: $0 (0.00%)
- Initial deposit: $1,000 (96.34%)
Your total balance
$1,038.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
6. Chime
Savings Account: Chime Savings Account
Top APY: 3.75%↗︎
Minimum Deposit: $0
Minimum Balance for APY: $0.01
| Feature | Details |
|---|---|
| APY: | 2.00% - 3.75% (4/1/2025) |
| APY Trend: | +1.75% WoW |
| 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 3.75% APY, you must have a Chime Checking account and receive a direct deposit of at least $200. Otherwise, the APY is 2.00%. |
| 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 |
| FDIC-insured: | Yes |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: N/A |
Calculate Savings for Chime
Chime Savings Account (APY: 2.00% ⎼ 3.75%)
Total savings breakdown:
- Interest earned: $4 (3.85%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (96.15%)
Your total balance
$104.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
7. TD Bank
Savings Account: TD Signature Savings
Top APY: 3.51%→
Minimum Deposit: $0
Minimum Balance for APY: $100,000
| Feature | Details |
|---|---|
| APY: | 0.05% - 3.51% (4/1/2025) |
| APY Trend: | Stable |
| Note: | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 3.51% 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: 4/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: N/A |
Calculate Savings for TD Bank
TD Signature Savings (APY: 0.05% ⎼ 3.51%)
⚠️ The minimum balance for the higher APY on this account is $100,000.
Total savings breakdown:
- Interest earned: $0 (0.00%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (100.00%)
Your total balance
$100.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.