EverBank vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | EverBankPerformance Savings Jan 21, 2026 | PibankPibank Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.90% | 4.60% |
Est. Earnings | $5,000+$195 $10,000+$390 $25,000+$975 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo Minimums |
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.
As of EverBank offers an APY of 3.90% for its Performance Savings account, with a minimum balance of $0, compared to Pibank's 4.60% APY for its Pibank Savings account, with a minimum balance of $0.01.
Pibank pays $70 more than EverBank on a $10,000 balance after one year. EverBank pays $390, while Pibank pays $460 - an APY advantage for Pibank.
Why EverBank?
- ✓Physical branch access (11 locations in Florida and California)
- ✓Higher rated iOS app (4.7 vs 2.3)
- ✓Higher rated Android app (4.8 vs 1.7)
- ✓Fast transfers via Zelle®
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.90%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $390/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $975/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
EverBankEverBank offers an iOS app rated 4.7 (vs. 2.3) and Android app rated 4.8 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $70 more interest on a $10,000 balance than EverBank's Performance 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 Pibank Savings account with a higher APY of 4.60%, making it the winner in this comparison. This account is online-only and requires a minimum balance of just $0.01, with no maintenance fees or direct deposit requirements. In contrast, EverBank's Performance Savings account provides an APY of 3.90% and is also online-only, with no minimum deposit or balance required. While both banks provide user-friendly services, Pibank stands out with better returns, especially for various deposit amounts.
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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EverBank vs. Pibank Savings Calculator
You earn $70 more with Pibank than EverBank 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.
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
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 | EverBank | Pibank |
|---|---|---|
| APY | 3.90% Verified: 1/21/2026 ↘︎ 0.15%90d Change | 4.60% Verified: 1/21/2026 Stable (90d) |
| Product Name | Performance Savings | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $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 | iOS4.7 Android4.8 | iOS2.3 Android1.7 |
| Zelle® Support | Available Native integration verified. | Not Supported |
| BBB Rating | A+ | A |
| Next Steps | Visit SiteVerify at EverBank Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | EverBank | Pibank |
|---|---|---|
| Performance Savings | Pibank Savings | |
Current APY | 3.90% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.9 | 0.0 |
Days Since Change | 33 | 341 |
11-Month High | 4.30% | 4.60% |
11-Month Low | 3.90% | 4.60% |
Adjustments / Mo | 0.18 | 0.00 |
Volatility Score | 0.037 | 0.000 |
How to read these metrics(Click to expand)
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