Chase Bank vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
Chase Bank
Chase Savings℠
0.01%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Chase Bank
Chase Savings℠
Pibank
Pibank Savings
4.60%APYDec 6, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Pibank
Pibank Savings
Comparison Analysis
Comparing Chase Bank vs. Pibank
Why Chase Bank?
- ✓Higher rated iOS app (4.8 vs 2.4)
- ✓Higher rated Android app (4.6 vs 1.7)
Why Pibank?
- ✓Higher potential APY (4.60% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $1/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $3/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Chase BankChase Bank offers an iOS app rated 4.8 (vs. 2.4) and Android app rated 4.6 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $459 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
Executive Summary
Pibank offers a significantly higher APY of 4.60% on its online-only Pibank Savings account, making it the clear winner compared to Chase Bank's Chase Savings℠, which has an APY of only 0.01%. Pibank's account has no maintenance fees and requires a minimum balance of just $0.01, while Chase's account incurs a $5 maintenance fee unless certain conditions are met. Additionally, Pibank's product is noted for its simplicity, as it does not require direct deposit or bundling. In contrast, Chase Bank is recognized for its superior mobile app experience.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
| Feature | Chase Bank | Pibank |
|---|---|---|
| APY | 0.01% Verified: 12/6/2025 Stable (90d) | 4.60% Verified: 12/6/2025 Stable (90d) |
| Product Name | Chase Savings℠ | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $5 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.6 | iOS2.4 Android1.7 |
| BBB Rating | A- | A |
| Important Notes | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | - |
| Next Steps |
Savings Comparison
Pibank earns $2,820.1 more than Chase Bank.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$5.70(0.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,005.70
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$2,825.80(13.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,825.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Chase Bank | Pibank |
|---|---|---|
| Chase Savings℠ | Pibank Savings | |
Current APY | 0.01% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -0.0 |
Days Since Change | 295 | 295 |
10-Month High | 0.01% | 4.60% |
10-Month Low | 0.01% | 4.60% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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