Citizens Access™ vs. Pibank
Comparing Citizens Access™ and Pibank for high-yield savings: Citizens Access™'s Citizens Access® Savings pays 3.15% 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 $145 more than Citizens Access™ annually ($460 vs $315).
Choose Citizens Access™ if mobile app quality matters, or choose Pibank if getting the best rate matters most.
| Metric | Citizens Access™Citizens Access® Savings Mar 5, 2026 | PibankPibank Savings Mar 7, 2026 |
|---|---|---|
| APY | 3.15% | 4.60% |
Est. Earnings | $5,000+$158 $10,000+$315 $25,000+$788 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
Min Deposit | $0.01 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily 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.
Comparison Analysis
Comparing Citizens Access™ vs. Pibank
Executive Summary
Pibank offers a competitive savings product, the Pibank Savings, with a notable APY of 4.60%, making it the clear winner in this comparison. This online-only account requires a minimum balance of just $0.01 and has no maintenance fees or direct deposit requirements, appealing to those seeking simplicity. In contrast, Citizens Access™ provides a savings account with a lower APY of 3.15%. While it also has no minimum balance requirement and no fees, it does not match the higher yield offered by Pibank. Both banks provide daily compounding and are FDIC insured.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Citizens Access™?
- ✓Higher rated iOS app (4.8 vs 2.2)
- ✓Higher rated Android app (4.8 vs 1.6)
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.15%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $315/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $788/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Citizens Access™Citizens Access™ offers an iOS app rated 4.8 (vs. 2.2) and Android app rated 4.8 (vs. 1.6)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $145 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® 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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Citizens Access™ vs. Pibank Savings Calculator
You earn $145 more with Pibank than Citizens Access™ 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.
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$315.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,315.00
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 $314 per year in interest.
Both Citizens Access™ and Pibank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Citizens Access™ | Pibank |
|---|---|---|
| APY | 3.15% Verified: 3/5/2026 ↘︎ 0.20%90d Change | 4.60% Verified: 3/7/2026 Stable (90d) |
| Product Name | Citizens Access® Savings | Pibank Savings |
| Minimum Deposit | $0.01 | $0 |
| Min. Balance for APY | $0.01 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A |
| Next Steps | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | Pibank |
|---|---|---|
| Citizens Access® Savings | Pibank Savings | |
Current APY | 3.15% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.8 | 0.0 |
Days Since Change | 85 | 365 |
12-Month High | 3.70% | 4.60% |
12-Month Low | 3.15% | 4.60% |
Adjustments / Mo | 0.25 | 0.00 |
Volatility Score | 0.062 | 0.000 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Citizens Access™'s APY of 3.15% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Citizens Access™ vs Ally Bank | 3.20% | $0 |
| Citizens Access™ vs American Express | 3.30% | $0 |
| Citizens Access™ vs Axos Bank | 4.21% | $0 |
| Citizens Access™ vs Bank of America | 0.01% | $100 |
| Citizens Access™ vs Barclays | 3.85% | $0 |
| Citizens Access™ vs Capital One | 3.30% | $0 |
| Citizens Access™ vs Chase Bank | 0.01% | $0 |
| Citizens Access™ vs Chime | 3.00% | $0 |
| Citizens Access™ vs CIT Bank | 3.75% | $100 |
| Citizens Access™ vs Citibank | 3.20% | $0 |
| Citizens Access™ vs Discover Bank | 3.30% | $0 |
| Citizens Access™ vs EverBank | 3.90% | $0 |
| Citizens Access™ vs Marcus by Goldman Sachs | 3.65% | $0 |
| Citizens Access™ vs Newtek Bank | 4.20% | $0.01 |
| Citizens Access™ vs Openbank | 4.09% | $500 |
| Citizens Access™ vs SoFi Bank | 4.00% | $0 |
| Citizens Access™ vs Synchrony Bank | 3.50% | $0 |
| Citizens Access™ vs Varo Bank | 5.00% | $0 |
| Citizens Access™ vs Wealthfront | 4.20% | $0 |
| Citizens Access™ vs Wells Fargo | 0.05% | $25 |