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Editorial disclosure
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Vio Bank Review 2026
Written by
Edited by
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At a glance
Overview
Vio Bank is an option for savers who are comfortable with online banking and looking to earn solid yields on short certificates of deposit (CDs), savings accounts or money market accounts. Low minimum deposit requirements for some products and no monthly fee for all accounts make Vio deposit products highly accessible for customers nationwide.
Highlights:
High APY Low Min Balance No Monthly FeesHighlights:
CDs
Savings
MMA
Customer Experience
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
About our Sponsored Offers
Our list of sponsored accounts may offer competitive rates, multiple times higher than the national average. All of these offers have competitive minimums and few fees. All deposit offers have FDIC or NCUA insurance and annuities are backed by the issuing insurance company. We’ve vetted the credit worthiness of these banks to simplify your search.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Savings rating = 4.5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Capital One
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.6/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Savings rating = 4.6/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
CIT Bank
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 0/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Western Alliance Bank
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Capital One
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
CIT Bank
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Western Alliance Bank
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Cash App
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Poppy
Vio Bank pros and cons
Pros
-
Competitive yields for its money market account, savings account and its shorter-term CDs.
-
Minimum deposit requirements for CDs are low.
-
Wide range of CD terms.
Cons
-
No checking accounts.
-
Limited budgeting tools available and no peer-to-peer payment tool, such as Zelle.
-
Doesn’t offer a debit card or check-writing privileges for any of its accounts.
Vio Bank banking products
Vio Bank Online Savings Account
-
Minimum balance to avoid fees:$0.005/5The lowest balance an account must maintain to avoid a monthly fee.Access to funds:Great5/5Access to funds scores how many and which ways you can withdraw and deposit funds from a savings account.Additional savings tools:Yes5/5Additional savings tools include features such as sub-accounts, roundup savings or other automatic savings features.
Pros
-
Competitive yield paid on all balances.
-
No monthly maintenance fee.
Cons
-
Minimum deposit of $100 required.
-
Paper statements cost $5.
Rate history for Vio Bank's Savings account
See how rates for this account have changed over time. Interact with the trend lines to view APY by date.
|
Date
Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.
|
Vio Bank
APY
APY last updated 8/25/2026.
APY
APY last updated 8/25/2026
|
National average APY
The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.
|
|---|---|---|
| 08/11/2026 | 3.99% | 0.63% |
| 08/04/2026 | 4.00% | 0.63% |
| 07/10/2026 | 4.00% | 0.61% |
| 06/05/2026 | 4.01% | 0.61% |
| 05/05/2026 | 4.03% | 0.61% |
| 04/07/2026 | 4.03% | 0.59% |
| 02/13/2026 | 4.03% | 0.60% |
| 02/03/2026 | 4.02% | 0.60% |
| 01/23/2026 | 4.02% | 0.62% |
| 01/06/2026 | 4.09% | 0.62% |
| 12/02/2025 | 4.16% | 0.61% |
| 11/24/2025 | 4.16% | 0.62% |
| 10/30/2025 | 4.21% | 0.62% |
| 10/17/2025 | 4.26% | 0.62% |
| 10/07/2025 | 4.31% | 0.62% |
| 09/02/2025 | 4.31% | 0.61% |
| 08/26/2025 | 4.31% | 0.60% |
Vio Bank Online CD
-
Offers specialty CDs:NoSpecialty CDs include no-penalty CDs, bump-up CDs and add-on CDs.Number of CD terms:115/5The number of CD terms a financial institution offers.
Pros
-
Wide variety of terms available.
-
Reasonable minimum deposit requirement.
-
Short terms have competitive APYs.
Cons
-
Early withdrawals come with a high penalty.
-
No specialty CDs available.
Rate history for Vio Bank's CD accounts
See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.
|
Date
Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.
|
Vio Bank
APY
APY last updated 8/25/2026.
APY
APY last updated 8/25/2026
|
National average APY
The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.
|
|---|---|---|
| 08/04/2026 | 2.75% | 1.74% |
| 07/07/2026 | 2.75% | 1.72% |
| 05/05/2026 | 2.75% | 1.71% |
| 03/03/2026 | 2.75% | 1.69% |
| 01/06/2026 | 2.75% | 1.68% |
| 11/04/2025 | 2.75% | 1.69% |
| 09/02/2025 | 2.75% | 1.70% |
| 08/26/2025 | 2.75% | 1.71% |
Vio Bank Cornerstone Money Market Account
-
Minimum balance to avoid fees:$0.005/5The lowest balance you must maintain to avoid a monthly fee.Access to funds:N/AAccess to funds scores how many and which ways you can withdraw and deposit funds from a money market account.
Pros
-
Competitive yield.
-
No monthly fee.
Cons
-
Requires $100 minimum deposit to open.
-
No debit card or check-writing privileges.
Customer experience
-
Website ease of use:Excellent5/5How user-friendly and intuitive the bank's website is for customers to navigate and complete banking tasks.Branches:N/AThe availability and accessibility of physical branch locations for in-person banking services.Account alerts:Yes5/5The variety and customization options for notifications about account activity and important updates.
Customer support. Vio Bank customers can reach a bank representative weekdays, 7 a.m. to 9 p.m. CT, Saturday, 8 a.m. to 6 p.m. and Sunday from noon to 4 p.m.
Digital experience: The Vio Bank mobile app offers digital banking staples, such as mobile check deposit, account alerts and statement access, but it doesn’t offer more cutting-edge features, such as a peer-to-peer payment option like Zelle. The app gets a high score in the Apple App Store, but Android users are much less enthusiastic in their reviews on Google Play.
The above images were last updated on November 8, 2024.
Bankrate staff insight
"The delay in being able to enter the online banking portal and access my account due to an extra step of security verification was a bit of a hassle," says a Bankrate staff member who recently opened the Vio Cornerstone MMA. "I had to wait about 4 days for my funding account to be verified by Vio in order to proceed with the MMA account sign-up. Once I was in my account, however, the online banking portal was very straightforward, and it’s a simple process to transfer funds from my checking account at another bank to my MMA."
Disclosure: To enhance our product reviews, Bankrate employees often open accounts and provide feedback. They may have been compensated for their time and account maintenance, but this does not affect the integrity of their review.
How Vio Bank compares to others banks
Compare different account types offered by Vio Bank. Annual percentage yields (APYs) shown were updated between Aug. 19, 2026 and Aug. 25, 2026.
|
Selected bank
Vio Bank savings account
Bankrate score
4.8
Bankrate Savings rating = 4.8/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. |
Most comparable
savings account
Bankrate score
N/A
Bankrate Savings rating = 0.0/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. |
Search for or select a bank:
No banks found
Bankrate score
Bankrate Savings rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. |
|---|---|---|
|
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between Aug. 19, 2026 and Aug. 25, 2026.
|
||
| 3.99% | N/A | |
|
Minimum balance for APY
|
||
| $0.00 | N/A | |
|
Estimated earnings
Interest earned calculation based on a $50,000 deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
|
||
| $1,995 | N/A | |
| Vio Bank Online Savings account offers a great yield on your whole balance. And you won't give any of your interest back in monthly fees, either. Plus the minimum deposit to open is fairly low at $100. | N/A | |
|
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N/A
|
|
|
N/A
|
|
APY offering:
3.99%
5/5
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.
Minimum deposit for APY:
$100.00
3/5
The minimum deposit amount a financial institution requires in order to open a savings account.
Monthly service fee:
$0.00
5/5
A monthly charge a financial institution deducts from an account; can sometimes be waived if certain requirements are met.
Minimum balance to avoid fee:
$0.00
5/5
The lowest balance an account must maintain to avoid a monthly fee.
Access to funds:
Great
5/5
Access to funds scores how many and which ways you can withdraw and deposit funds from a savings account.
Additional savings tools:
Yes
5/5
Additional savings tools include features such as sub-accounts, roundup savings or other automatic savings features.
|
Bankrate does not currently track additional product details for this bank.
|
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.
The minimum deposit amount a financial institution requires in order to open a savings account.
A monthly charge a financial institution deducts from an account; can sometimes be waived if certain requirements are met.
The lowest balance an account must maintain to avoid a monthly fee.
Access to funds scores how many and which ways you can withdraw and deposit funds from a savings account.
Additional savings tools include features such as sub-accounts, roundup savings or other automatic savings features.
Bankrate does not currently track additional product details for this bank.
|
|
Selected bank
Vio Bank CD
Bankrate score
4.1
Bankrate CD rating = 4.1/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. |
Most comparable
Quontic Bank CD
Bankrate score
3.7
Bankrate CD rating = 3.7/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. |
Search for or select a bank:
No banks found
Bankrate score
Bankrate CD rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. |
|---|---|---|
|
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between Aug. 19, 2026 and Aug. 25, 2026.
|
||
| 3.90% | 3.50% | |
|
Minimum deposit
|
||
| $500.00 | $500.00 | |
|
Term
|
||
| 9 mos | 1 yr | |
| Vio Bank is an online bank that offers competitive yields on its CDs and you’ll only need $500 to open one. Nearly every term you’d need for a CD ladder is available. It's one of the few banks that offers a 10-year CD. | Quontic Bank offers a good range of CDs, with terms spanning three to 60 months. All CDs earn a solid yield. Just $500 is needed to open a CD, which is good considering many banks require $1,000 though you can find lower minimum deposits at other online banks. | |
|
|
N/A
|
|
|
N/A
|
|
1-year APY:
3.80%
5/5
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.
3-year APY:
3.50%
5/5
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.
5-year APY:
2.75%
4/5
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.
Minimum deposit:
$500.00
5/5
The minimum deposit amount a financial institution requires in order to open a CD.
Early withdrawal penalty:
Subpar
2/5
A penalty incurred when funds have been withdrawn from a CD before its maturity date.
Offers specialty CDs:
No
0/5
Specialty CDs include no-penalty CDs, bump-up CDs and add-on CDs.
Number of CD terms:
11
5/5
The number of CD terms a financial institution offers.
|
1-year APY:
3.50%
5/5
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.
3-year APY:
2.85%
4/5
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.
5-year APY:
2.75%
4/5
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.
Minimum deposit:
$500.00
5/5
The minimum deposit amount a financial institution requires in order to open a CD.
Early withdrawal penalty:
Poor
1/5
A penalty incurred when funds have been withdrawn from a CD before its maturity date.
Offers specialty CDs:
No
0/5
Specialty CDs include no-penalty CDs, bump-up CDs and add-on CDs.
Number of CD terms:
5
3/5
The number of CD terms a financial institution offers.
|
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.
The minimum deposit amount a financial institution requires in order to open a CD.
A penalty incurred when funds have been withdrawn from a CD before its maturity date.
Specialty CDs include no-penalty CDs, bump-up CDs and add-on CDs.
The number of CD terms a financial institution offers.
Bankrate does not currently track additional product details for this bank.
|
|
Selected bank
Vio Bank money market account
Bankrate score
4.3
Bankrate Money Market rating = 4.3/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. |
Most comparable
Quontic Bank money market account
Bankrate score
4.8
Bankrate Money Market rating = 4.8/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. |
Search for or select a bank:
No banks found
Bankrate score
Bankrate Money Market rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. |
|---|---|---|
|
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between Aug. 19, 2026 and Aug. 25, 2026.
|
||
| 3.45% | 3.80% | |
|
Minimum balance for APY
|
||
| $0.00 | $0.01 | |
|
Estimated earnings
Interest earned calculation based on a $50,000 deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
|
||
| $1,725 | $1,900 | |
| The Vio Bank Cornerstone Money Market Savings Account earns a very competitive yield, requires only $100 to open and doesn’t charge a monthly maintenance fee. However, one drawback is that the account lacks check-writing privileges or a debit card. | Quontic Bank’s money market account earns a top-notch yield. Customers can open the account — which doesn’t charge a monthly fee — with just $100. The account comes with a debit card and check-writing privileges. | |
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N/A
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N/A
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