Last Updated:
Vio Bank Review 2026
Quick Summary
Rating
4.3/5 ⭐
Savings APY
4.02%
Checking APY
N/A
Monthly Fee
$0
Best for: Savers who want a high‑yield savings and don’t need checking or ATM access
What is Vio Bank?
Vio Bank is a savings-focused online bank offering competitive rates and modern banking features.
✓ Pros
- High savings APY compared with many competitors
- Low $100 minimum opening deposit
- No monthly maintenance fees
- Mobile check deposit and ACH transfers available
✗ Cons
- No checking account or ATM card
- Online‑only with limited customer service hours
- Requires external bank for cash withdrawals
Account Details
| Savings APY | 4.02% |
| Checking APY | N/A |
| Min Deposit | $100 |
| Monthly Fee | $0 |
| ATM Access | No ATM card |
| Mobile App | Good |
| FDIC Insured | Yes |
Who Should Choose Vio Bank?
Best for: Savers who want a high‑yield savings and don’t need checking or ATM access