Citizens Access™ vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
Citizens Access™
Citizens Access® Savings
3.35%APYDec 5, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® Savings
Pibank
Pibank Savings
4.60%APYDec 6, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Pibank
Pibank Savings
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
Why Citizens Access™?
- ✓Higher rated iOS app (4.8 vs 2.4)
- ✓Higher rated Android app (4.8 vs 1.7)
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.35%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $335/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $838/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. 2.4) and Android app rated 4.8 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $125 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
Pibank offers a competitive savings product with an APY of 4.60%, significantly higher than Citizens Access™ Savings, which provides an APY of 3.35%. Both banks feature online-only savings accounts with no maintenance fees and low minimum balance requirements, but Pibank's product stands out for its simplicity, as it does not require direct deposit or bundling. Additionally, Pibank's better returns on larger deposits make it an attractive option for savers. Citizens Access™ does excel in mobile app experience, boasting high ratings for both iOS and Android, but in terms of APY, Pibank is the clear winner.
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 | Citizens Access™ | Pibank |
|---|---|---|
| APY | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change | 4.60% Verified: 12/6/2025 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 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.8 | iOS2.4 Android1.7 |
| BBB Rating | A+ | A |
| Next Steps |
Savings Comparison
Pibank earns $807 more than Citizens Access™.
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$2,018.80(10.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,018.80
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 | Citizens Access™ | Pibank |
|---|---|---|
| Citizens Access® Savings | Pibank Savings | |
Current APY | 3.35% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.1 | -0.0 |
Days Since Change | 37 | 295 |
10-Month High | 3.70% | 4.60% |
10-Month Low | 3.35% | 4.60% |
Adjustments / Mo | 0.20 | 0.00 |
Volatility Score | 0.037 | 0.000 |
How to read these metrics(Click to expand)
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