Citizens Access™ vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Citizens Access™Citizens Access® Savings Jan 21, 2026 | PibankPibank Savings Jan 21, 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 App | FDIC InsuredNo Minimums |
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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
As of Citizens Access™ offers an APY of 3.15% for its Citizens Access® Savings account, with a minimum balance of $0.01, compared to Pibank's 4.60% APY for its Pibank Savings account, with a minimum balance of $0.01.
Pibank pays $145 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $315, while Pibank pays $460 - an APY advantage for Pibank.
Why Citizens Access™?
- ✓Higher rated iOS app (4.8 vs 2.3)
- ✓Higher rated Android app (4.9 vs 1.7)
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. 2.3) and Android app rated 4.9 (vs. 1.7)
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.
Executive Summary as of
Pibank offers a competitive savings product with a higher APY of 4.60% for its Pibank Savings account, which is available online-only with no minimum deposit or balance requirements. This account stands out for its simplicity, as it does not require direct deposit or bundling. In comparison, Citizens Access™ provides a lower APY of 3.15% for its Citizens Access® Savings account, which also has no minimum deposit and is online-only. While both banks have no maintenance fees, Pibank's higher yield makes it the more attractive option for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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.
| Feature | Citizens Access™ | Pibank |
|---|---|---|
| APY | 3.15% Verified: 1/21/2026 ↘︎ 0.35%90d Change | 4.60% Verified: 1/21/2026 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 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.9 | iOS2.3 Android1.7 |
| 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) | -5.4 | 0.0 |
Days Since Change | 42 | 341 |
11-Month High | 3.70% | 4.60% |
11-Month Low | 3.15% | 4.60% |
Adjustments / Mo | 0.26 | 0.00 |
Volatility Score | 0.056 | 0.000 |
How to read these metrics(Click to expand)
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