Chase Bank vs. Pibank
Comparing Chase Bank and Pibank for savings: Chase Bank's Chase Savings℠ pays 0.01% APY while Pibank's Pibank Savings pays 4.60% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Pibank pays $459 more than Chase Bank annually ($460 vs $1).
Choose Chase Bank if you value in-person banking, mobile app quality matters, or you want Zelle for quick transfers. Choose Pibank if getting the best rate matters most.
| Metric | Chase BankChase Savings℠ Mar 7, 2026 | PibankPibank Savings Mar 7, 2026 |
|---|---|---|
| APY | 0.01% | 4.60% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | 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. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
Comparison Analysis
Comparing Chase Bank vs. Pibank
Executive Summary
Pibank offers a significantly higher APY of 4.60% on its 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 requires a minimum balance of just $0.01 and has no maintenance fees, while Chase's account incurs a $5 maintenance fee unless certain conditions are met. Both banks do not require direct deposit for their savings accounts. Pibank operates online-only, providing a straightforward savings option with competitive returns, while Chase emphasizes its superior mobile app experience.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Chase Bank?
- ✓Physical branch access (Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii.)
- ✓Higher rated iOS app (4.8 vs 2.2)
- ✓Higher rated Android app (4.7 vs 1.6)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
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. 2.2) and Android app rated 4.7 (vs. 1.6)
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℠.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Chase Bank vs. Pibank Savings Calculator
You earn $459 more with Pibank than Chase Bank 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.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
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 | Chase Bank | Pibank |
|---|---|---|
| APY | 0.01% Verified: 3/7/2026 Stable (90d) | 4.60% Verified: 3/7/2026 Stable (90d) |
| Product Name | Chase Savings℠ | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $5 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii. | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. | Not Supported |
| 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 | Visit SiteVerify at Chase Bank Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
📈 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 | 365 | 365 |
12-Month High | 0.01% | 4.60% |
12-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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