American Express vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | American ExpressHigh Yield Savings Account Jan 21, 2026 | PibankPibank Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 4.60% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppZelle® Supported | FDIC InsuredNo Minimums |
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing American Express vs. Pibank
As of American Express offers an APY of 3.30% for its High Yield Savings Account, with a minimum balance of $0, compared to Pibank's 4.60% APY for its Pibank Savings account, with a minimum balance of $0.01.
Pibank pays $130 more than American Express on a $10,000 balance after one year. American Express pays $330, while Pibank pays $460 - an APY advantage for Pibank.
Why American Express?
- ✓Higher rated iOS app (4.9 vs 2.3)
- ✓Fast transfers via Zelle®
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.30%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $330/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $825/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $130 more interest on a $10,000 balance than American Express's High Yield Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Pibank offers a competitive savings option with its Pibank Savings account, featuring a high APY of 4.60%. This online-only account requires a minimum balance of just $0.01 and has no maintenance fees or direct deposit requirements, making it a straightforward choice for savers. In contrast, American Express provides a High Yield Savings Account with a lower APY of 3.30%, also with no minimum deposit or maintenance fees, but it does not match Pibank's yield. Overall, Pibank is the superior option for those seeking higher returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
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American Express vs. Pibank Savings Calculator
You earn $130 more with Pibank than American Express on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
American Express
High Yield Savings Account
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | American Express | Pibank |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.20%90d Change | 4.60% Verified: 1/21/2026 Stable (90d) |
| Product Name | High Yield Savings Account | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android3.6 | iOS2.3 Android1.7 |
| Zelle® Support | Available Requires Amex Rewards Checking; not available for standalone HYSA. | Not Supported |
| BBB Rating | F | A |
| Next Steps | Visit SiteVerify at American Express Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | American Express | Pibank |
|---|---|---|
| High Yield Savings Account | Pibank Savings | |
Current APY | 3.30% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.5 | 0.0 |
Days Since Change | 22 | 341 |
11-Month High | 3.80% | 4.60% |
11-Month Low | 3.30% | 4.60% |
Adjustments / Mo | 0.44 | 0.00 |
Volatility Score | 0.035 | 0.000 |
How to read these metrics(Click to expand)
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