Pibank: Savings Account & Rates

By Aviel Fahl

Updated: 2/21/2026

Mission: Banksparency aims to make Pibank's savings account transparent and comparable to the market.

Interest rates reported as APY

Analysis of Pibank

Our verdict

Pibank offers Pibank Savings, a high-yield savings account paying 4.60% APY with no minimum deposit.

At 4.60% APY, Pibank pays 12x the national average (0.39%). Ranks in the top tier of 99+ accounts tracked.

Ideal User Profile

Best for: earning a top rate with no strings attached and banking without needing a branch.

Important Considerations

iOS app has a low rating (2.3).

Android app has a low rating (1.7).

Key Differentiators

Stands out with A BBB rating.

Savings Overview

Pibank Savings

Top 20 Rate

4.60% APY

Very StableNo rate changes in last 90 days

No Minimums Online Only

Min. Deposit	$0
Min. Balance	$0.01
Maintenance Fee	$0

Rank #2 of 99 tracked.

Prefer In-Person Banking?

This bank is online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.

Find Branch Access

National Avg: 0.39% (FDIC, 1/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationMiami, Florida
Founded2024
AffiliationPibank is a brand of Intercredit Bank, N.A.
Ratings & Trust
2.3iOS 1.7Android ABBB Not BBB Accredited
Zelle® SupportNo Support
Standard ACH or Wire transfers only.
Deposit InsuranceFDIC Insured(Cert: 25258)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$0
Min. Balance in Savings Account	$0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.6

The 4.21% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. 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.

PREMIUM ACCOUNT, GENEROUS BONUS

SponsoredVerified Feb 21, 2026

FDIC Insured

CIT Bank - Platinum Savings

Competitive APY - with a balance of $5,000+
Earn up to $300 bonus with qualifying deposit
Highly rated mobile apps

FDIC Insured

Savings3.75%APY

Up to$300Bonus

Go to CIT Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$5,000
Mobile Ratings	iOS:4.8 Android:4.7

This is a tiered savings account, where the 3.75% APY requires meeting the $5,000 balance requirement. Lower balances earn an APY of 0.25%.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Feb 21, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.50%APY

Go to Quontic Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$0
Mobile Ratings	iOS:4.8 Android:4.8

Top Market Contenders

American Express

3.30% APY

vs. Pibank

EverBank

3.90% APY

vs. Pibank

Capital One

3.30% APY

vs. Pibank

Popular Peer Comparisons

American Express vs SoFi Bank Marcus by Goldman Sachs vs SoFi Bank Marcus by Goldman Sachs vs Synchrony Bank Ally Bank vs EverBank Barclays vs CIT Bank Chase Bank vs Chime

Savings Account: In-Depth View

Savings Account Offered by Pibank

Feature	Pibank Savings
APY	4.60%Verified: 2/21/2026
APY Trend	Very StableNo rate changes in last 90 days
Min. Deposit	$0
Min. Balance	$0.01
Monthly Fee	$0
Direct Deposit	None
Checking Bundle	No
Branch Access	None
Compounding	Daily
FDIC Insured	Yes
Eligibility	United States
Next Steps	-

Calculate Savings for Pibank

All calculations are based on APY.

Selected Product

Pibank Savings4.60% APY

Initial Deposit

Recurring Deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$1,817.20(11.5%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$15,817.20

Effective APY

4.60%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Pibank Savings Rates Over Time

Historical APY Insights

Last 12 Months

Metric	Pibank Savings
Latest APY	4.60%
Trend	Sideways
Slope (bps/mo)	0.0
Rate Changes / Mo	0.00
Days Since Last Change	365
High (-12m)	4.60%
Low (-12m)	4.60%
Draw-down	0.0%
Volatility (CV)	0.000

How to read these metrics▼

Trends & Velocity

Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Slope (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Rate Changes / Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

High/Low: The absolute ceiling and floor of the rate during the 365-day window.
Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.

Compare with Pibank

Feature	Current View Pibank	Empty Slot
Product	Pibank Savings	-
APY	4.60%Verified: 2/21/2026	-
APY Trend	Very StableNo rate changes in last 90 days	-
Min. Deposit	$0	-
Monthly Fee	$0	-
Direct Deposit	No	-
Checking Bundle	No	-
Branch Access	None	-
Eligibility	United States	-
Compounding	Daily	-
FDIC Insured	Yes	-
Next Steps	-	-

Bank-to-Bank Comparisons

Compare Pibank's APY of 4.60% with other banks

Bank Pair	Competitor APY	Min Deposit
Pibank vs Affirm	3.20%	$0
Pibank vs Ally Bank	3.20%	$0
Pibank vs American Express	3.30%	$0
Pibank vs Axos Bank	4.21%	$0
Pibank vs Bank of America	0.01%	$100
Pibank vs Barclays	3.85%	$0
Pibank vs Bask Bank	0.25%	$0
Pibank vs Betterment	3.90%	$10
Pibank vs BMO Alto	3.15%	$0
Pibank vs Bread Savings	4.00%	$100
Pibank vs BrioDirect	3.75%	$5,000
Pibank vs Capital One	3.30%	$0
Pibank vs Carver Bank	4.00%	$5,000
Pibank vs Charles Schwab Bank	0.15%	$0
Pibank vs Chase Bank	0.01%	$0
Pibank vs Chime	3.00%	$0
Pibank vs CIT Bank	3.75%	$100
Pibank vs Citibank	3.20%	$0
Pibank vs Citizens Access™	3.15%	$0.01
Pibank vs Climate First Bank	4.21%	$50
Pibank vs Colorado Federal Savings Bank	4.05%	$50,000
Pibank vs Discover Bank	3.30%	$0
Pibank vs E*TRADE from Morgan Stanley	3.35%	$0
Pibank vs Elevault	3.82%	$0
Pibank vs EverBank	3.90%	$0
Pibank vs Fitness Bank	4.50%	$100
Pibank vs FNBO Direct	3.00%	$1
Pibank vs Forbright Bank	3.85%	$0
Pibank vs FVCbank	4.00%	$500
Pibank vs GO2bank	4.50%	$0
Pibank vs Ivy Bank	3.85%	$2,500
Pibank vs Jenius Bank	4.05%	$0
Pibank vs LendingClub	4.00%	$0
Pibank vs Marcus by Goldman Sachs	3.65%	$0
Pibank vs MutualOne Bank	4.07%	$20,000
Pibank vs My Banking Direct	4.02%	$500
Pibank vs Neighbors Bank	4.20%	$0
Pibank vs Newtek Bank	4.20%	$0.01
Pibank vs Openbank	4.09%	$500
Pibank vs Peak Bank	4.02%	$100
Pibank vs PNC	3.30%	$0
Pibank vs Popular Direct	3.90%	$100
Pibank vs Presidential Bank	3.75%	$5,000
Pibank vs Quontic Bank	3.50%	$100
Pibank vs Salem Five Direct	3.61%	$10
Pibank vs Sallie Mae Bank	3.85%	$0
Pibank vs Santander Bank	0.01%	$25
Pibank vs SoFi Bank	4.00%	$0
Pibank vs Synchrony Bank	3.50%	$0
Pibank vs TD Bank	2.36%	$0
Pibank vs TIMBR	4.15%	$1,000
Pibank vs UFB Direct	3.46%	$5000
Pibank vs Upgrade	3.05%	$0
Pibank vs Valley Direct	4.00%	$1,000
Pibank vs Varo Bank	5.00%	$0
Pibank vs Vio Bank	4.03%	$100
Pibank vs Wealthfront	3.95%	$0
Pibank vs Wells Fargo	0.05%	$25
Pibank vs Zynlo Bank	3.85%	$10