Citibank vs. Pibank
Comparing Citibank and Pibank for high-yield savings: Citibank's Citi Accelerate Savings pays 3.20% 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 $140 more than Citibank annually ($460 vs $320).
Choose Citibank if mobile app quality matters, or you want Zelle for quick transfers. Choose Pibank if getting the best rate matters most, or BBB rating matters to you.
Important Considerations
Citibank's Accelerate Savings is only available in select states where Citi has no branch presence. Check eligibility before applying.
| Metric | CitibankCiti Accelerate Savings Feb 21, 2026 | PibankPibank Savings Feb 21, 2026 |
|---|---|---|
| APY | 3.20% | 4.60% |
Est. Earnings | $5,000+$160 $10,000+$320 $25,000+$800 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | Eligibility restricted to select states. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
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.
Executive Summary
Pibank offers a competitive edge with its Pibank Savings account, featuring a high APY of 4.60%, significantly surpassing Citibank's Citi Accelerate Savings account, which offers an APY of 3.20%. Pibank's account has no maintenance fees and does not require direct deposit, making it a straightforward choice for savers. In contrast, Citibank's savings options are restricted to select states and come with a maintenance fee unless certain balance requirements are met. Overall, Pibank stands out for its higher yield and simplicity, while Citibank provides a solid 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 Citibank?
- ✓Physical branch access (U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.)
- ✓Higher rated iOS app (4.9 vs 2.3)
- ✓Higher rated Android app (4.8 vs 1.7)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.20%) on all balances
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $320/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $800/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
CitibankCitibank offers an iOS app rated 4.9 (vs. 2.3) and Android app rated 4.8 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $140 more interest on a $10,000 balance than Citibank's Citi Accelerate 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
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Citibank vs. Pibank Savings Calculator
You earn $140 more with Pibank than Citibank 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.
Citibank
Citi Accelerate Savings
Savings Breakdown
- Interest Earned+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $319 per year in interest.
Both Citibank and Pibank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Citibank | Pibank |
|---|---|---|
| APY | 3.20% Verified: 2/21/2026 ↘︎ 0.10%90d Change | 4.60% Verified: 2/21/2026 Stable (90d) |
| Product Name | Citi Accelerate Savings | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $0.01 |
| Monthly Fee | $4.50. Waived for average monthly balances > $500 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,500/dayTiered limits based on account status (Citigold higher). | Not Supported |
| BBB Rating | D- | A |
| Important Notes | Eligibility restricted to select states. | - |
| Next Steps | Visit SiteVerify at Citibank Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citibank | Pibank | |
|---|---|---|---|
| Citi® Savings Account | Citi Accelerate Savings | Pibank Savings | |
Current APY | 0.03% | 3.20% | 4.60% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -0.0 | -4.7 | 0.0 |
Days Since Change | 365 | 25 | 365 |
12-Month High | 0.03% | 3.80% | 4.60% |
12-Month Low | 0.03% | 3.20% | 4.60% |
Adjustments / Mo | 0.00 | 0.58 | 0.00 |
Volatility Score | 0.000 | 0.049 | 0.000 |
How to read these metrics(Click to expand)
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