American Express National Bank vs BrioDirect
Head-to-head comparison of American Express High Yield Savings and BrioDirect High-Yield Savings, updated daily.
BrioDirect currently wins on APY: 4.85% vs 3.20%
| Feature | American Express National BankLive | BrioDirectUpdated 1d ago |
|---|---|---|
| APY | 3.20% | 4.85%★ |
| Min opening deposit | $0★ | $5,000 |
| Min balance for APY | $0★ | $25 |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | daily | daily |
| ATM access | No | No |
| Check writing | No | No |
| Mobile app | Yes | Yes |
| Editor rating | 4.0 / 5 | 4.4 / 5★ |
American Express National Bank verdict
Amex is the bank you pick when you want zero surprises. It will rarely lead the APY tables, but it will also rarely fall to the bottom — Amex tends to track the Fed Funds rate cleanly. Best for existing Amex card customers who value consolidation.
Read full American Express National Bank review →BrioDirect verdict
BrioDirect currently leads the pack on APY in April 2026, and it has been at or near the top for over a year — this is not a teaser rate that disappears in 90 days. The catch is the $5,000 minimum opening deposit, which makes this a poor fit for someone just starting their emergency fund.
Read full BrioDirect review →