High-Yield Savings Account Comparison

Chime vs. Pibank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

Chime

Chime High-Yield Savings Account

Up to
3.50%
APY
Dec 6, 2025
FDIC InsuredDirect Deposit ReqChecking BundleNo MinimumsGreat iOS AppGreat Android App
Range: 1.00% – 3.50%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositRequired (You need to receive a qualifying direct deposit of $200 or more within the preceding 34 days)
Deposit InsuranceFDIC Insured
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.7
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

Pibank

Pibank Savings

4.60%
APY
Dec 6, 2025
FDIC InsuredNo Minimums
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 25258)
EligibilityUnited States
Mobile Ratings
iOS:2.4Android:1.7
BBB Rating
A(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview

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.

Find Branch Access

Comparison Analysis

Comparing Chime vs. Pibank

Updated: Dec 6, 2025

Why Chime?

  • ✓Higher rated iOS app (4.8 vs 2.4)
  • ✓Higher rated Android app (4.7 vs 1.7)

Why Pibank?

  • ✓Higher potential APY (4.60% vs 3.50%) on all balances
  • ✓No checking account or direct deposit required

— Key Feature Differences —

Better Returns at $10,000
Pibank

Pibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $350/yr).

Better Returns at $25,000
Pibank

Pibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $875/yr).

Best for Simplicity
Pibank

Pibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
Chime

Chime offers an iOS app rated 4.8 (vs. 2.4) and Android app rated 4.7 (vs. 1.7)

Shared Benefits

Both offer monthly maintenance-free account options Both banks have options with $0 opening deposit Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, Pibank's Pibank Savings pays $110 more interest on a $10,000 balance than Chime's Chime High-Yield Savings Account.

ChimePibank
Automated Data Audit

Executive Summary

Pibank offers a competitive savings option with its Pibank Savings account, featuring a high APY of 4.60%. This account stands out as it requires no direct deposit and has no maintenance fees, making it a straightforward choice for savers. In contrast, Chime's High-Yield Savings Account provides a lower APY of 3.50% and requires a qualifying direct deposit of $200 or more within the preceding 34 days. While Chime boasts an excellent mobile app experience, Pibank's account is better suited for those seeking higher returns without additional conditions. Both accounts are online-only and have no minimum deposit requirements.

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.

ExploreChimeExplorePibank
FeatureChimePibank
APY
3.50%
Range: 1.00% - 3.50%
Verified: 12/6/2025
↘︎ 0.25%90d Change
4.60%
Verified: 12/6/2025
Stable (90d)
Product NameChime High-Yield Savings AccountPibank Savings
Minimum Deposit$0$0
Min. Balance for APY$0.01$0.01
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.
RequiredYou need to receive a qualifying direct deposit of $200 or more within the preceding 34 days
None
Checking Bundle YesNo
Mobile Apps
iOS4.8
Android4.7
iOS2.4
Android1.7
BBB RatingA+A
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

Pibank earns $711.7 more than Chime.

Chime

Chime High-Yield Savings Account

3.50% APY

Savings Breakdown

  • Interest Earned
    +$2,114.10(10.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,114.10

Effective APY
3.50%
View Details

Pibank

Pibank Savings

4.60% APY

Savings Breakdown

  • Interest Earned
    +$2,825.80(13.6%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,825.80

Effective APY
4.60%
View Details

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

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricChimePibank
Chime High-Yield Savings AccountPibank Savings
Current APY
3.50%4.60%
Trend
 Stable Stable
Velocity (bps/mo)
10.2-0.0
Days Since Change
51295
10-Month High
3.75%4.60%
10-Month Low
2.00%4.60%
Adjustments / Mo
0.200.00
Volatility Score
0.1730.000
How to read these metrics(Click to expand)

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.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/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 295-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.

Compare Similar Alternatives

Compare Chime vs...

Comparing against other Bundled Accounts

vs Chime
Axos BankChecking Bundle
4.31%
APY
vs Chime
SoFi BankChecking Bundle
4.30%
APY
vs Chime
Presidential BankChecking Bundle
4.00%
APY

Compare Pibank vs...

Comparing against Standard Savings

vs Pibank
Neighbors BankNo Bundle Req
4.50%
APY
vs Pibank
TIMBRNo Bundle Req
4.40%
APY
vs Pibank
Newtek BankNo Bundle Req
4.35%
APY

More Comparisons

Compare Chime's APY of 3.50% with other banks
Bank PairCompetitor APYMin Deposit
Chime vs Ally Bank3.30%$0
Chime vs American Express3.40%$0
Chime vs Axos Bank4.31%$0
Chime vs Bank of America0.01%$100
Chime vs Barclays4.00%$0
Chime vs Bask Bank3.90%$0
Chime vs BMO Alto3.25%$0
Chime vs BrioDirect4.00%$5,000
Chime vs Capital One3.40%$0
Chime vs Chase Bank0.01%$0
Chime vs CIT Bank3.75%$100
Chime vs Citibank3.30%$0
Chime vs Citizens Access™3.35%$0.01
Chime vs Climate First Bank4.21%$50
Chime vs Discover Bank3.40%$0
Chime vs Elevault4.08%$0
Chime vs EverBank4.05%$0
Chime vs Fitness Bank4.75%$100
Chime vs FNBO Direct3.00%$1
Chime vs Forbright Bank4.00%$0
Chime vs FVCbank3.85%$500
Chime vs GO2bank4.50%$0
Chime vs Ivy Bank4.25%$2,500
Chime vs LendingClub4.20%$0
Chime vs Marcus by Goldman Sachs3.65%$0
Chime vs Neighbors Bank4.50%$0
Chime vs Newtek Bank4.35%$0.01
Chime vs Openbank4.20%$500
Chime vs Peak Bank4.20%$100
Chime vs PNC3.53%$0
Chime vs Presidential Bank4.00%$5,000
Chime vs Quontic Bank3.75%$100
Chime vs Salem Five Direct3.71%$10
Chime vs Santander Bank0.01%$25
Chime vs SoFi Bank4.30%$0
Chime vs Synchrony Bank3.65%$0
Chime vs TIMBR4.40%$1,000
Chime vs UFB Direct3.71%$5000
Chime vs Valley Direct4.10%$1,000
Chime vs Varo Bank5.00%$0
Chime vs Vio Bank4.16%$100
Chime vs Wealthfront4.15%$0
Chime vs Wells Fargo0.05%$25
Chime vs Zynlo Bank4.05%$10
Compare Pibank's APY of 4.60% with other banks
Bank PairCompetitor APYMin Deposit
Pibank vs Ally Bank3.30%$0
Pibank vs American Express3.40%$0
Pibank vs Axos Bank4.31%$0
Pibank vs Bank of America0.01%$100
Pibank vs Barclays4.00%$0
Pibank vs Bask Bank3.90%$0
Pibank vs BMO Alto3.25%$0
Pibank vs BrioDirect4.00%$5,000
Pibank vs Capital One3.40%$0
Pibank vs Chase Bank0.01%$0
Pibank vs CIT Bank3.75%$100
Pibank vs Citibank3.30%$0
Pibank vs Citizens Access™3.35%$0.01
Pibank vs Climate First Bank4.21%$50
Pibank vs Discover Bank3.40%$0
Pibank vs Elevault4.08%$0
Pibank vs EverBank4.05%$0
Pibank vs Fitness Bank4.75%$100
Pibank vs FNBO Direct3.00%$1
Pibank vs Forbright Bank4.00%$0
Pibank vs FVCbank3.85%$500
Pibank vs GO2bank4.50%$0
Pibank vs Ivy Bank4.25%$2,500
Pibank vs LendingClub4.20%$0
Pibank vs Marcus by Goldman Sachs3.65%$0
Pibank vs Neighbors Bank4.50%$0
Pibank vs Newtek Bank4.35%$0.01
Pibank vs Openbank4.20%$500
Pibank vs Peak Bank4.20%$100
Pibank vs PNC3.53%$0
Pibank vs Presidential Bank4.00%$5,000
Pibank vs Quontic Bank3.75%$100
Pibank vs Salem Five Direct3.71%$10
Pibank vs Santander Bank0.01%$25
Pibank vs SoFi Bank4.30%$0
Pibank vs Synchrony Bank3.65%$0
Pibank vs TIMBR4.40%$1,000
Pibank vs UFB Direct3.71%$5000
Pibank vs Valley Direct4.10%$1,000
Pibank vs Varo Bank5.00%$0
Pibank vs Vio Bank4.16%$100
Pibank vs Wealthfront4.15%$0
Pibank vs Wells Fargo0.05%$25
Pibank vs Zynlo Bank4.05%$10