High-Yield Savings Account Comparison

FNBO Direct vs. Pibank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

FNBO Direct

High-Yield Online Savings Account

3.00%
APY
Dec 6, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0.01
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5452)
EligibilityUnited States
Mobile Ratings
iOS:4.5Android:4.8
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

Pibank

Pibank Savings

4.60%
APY
Dec 6, 2025
FDIC InsuredNo Minimums
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 25258)
EligibilityUnited States
Mobile Ratings
iOS:2.4Android:1.7
BBB Rating
A(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview

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.

Find Branch Access

Comparison Analysis

Comparing FNBO Direct vs. Pibank

Updated: Dec 6, 2025

Why FNBO Direct?

  • ✓Higher rated iOS app (4.5 vs 2.4)
  • ✓Higher rated Android app (4.8 vs 1.7)

Why Pibank?

  • ✓Higher potential APY (4.60% vs 3.00%) on all balances

— Key Feature Differences —

Better Returns at $10,000
Pibank

Pibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $300/yr).

Better Returns at $25,000
Pibank

Pibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $750/yr).

Best for Simplicity
Pibank

Pibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
FNBO Direct

FNBO Direct offers an iOS app rated 4.5 (vs. 2.4) and Android app rated 4.8 (vs. 1.7)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, Pibank's Pibank Savings pays $160 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.

FNBO DirectPibank
Automated Data Audit

Executive Summary

Pibank offers a superior savings product with its Pibank Savings account, providing an attractive APY of 4.60%. This account is online-only and requires no minimum deposit or maintenance fees, making it accessible and straightforward for users. In contrast, FNBO Direct features a High-Yield Online Savings Account with a lower APY of 3.00%. While FNBO Direct does not require direct deposit and has a notable mobile app experience, it cannot compete with Pibank's higher yield. Both accounts have no maintenance fees and are FDIC insured, but Pibank clearly stands out as the better option for savers seeking higher returns.

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.

ExploreFNBO DirectExplorePibank
FeatureFNBO DirectPibank
APY
3.00%
Verified: 12/6/2025
↘︎ 0.25%90d Change
4.60%
Verified: 12/6/2025
Stable (90d)
Product NameHigh-Yield Online Savings AccountPibank Savings
Minimum Deposit$1$0
Min. Balance for APY$0.01$0.01
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.5
Android4.8
iOS2.4
Android1.7
BBB RatingA+A
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

Pibank earns $1,027.6 more than FNBO Direct.

FNBO Direct

High-Yield Online Savings Account

3.00% APY

Savings Breakdown

  • Interest Earned
    +$1,798.20(9.1%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,798.20

Effective APY
3.00%
View Details

Pibank

Pibank Savings

4.60% APY

Savings Breakdown

  • Interest Earned
    +$2,825.80(13.6%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,825.80

Effective APY
4.60%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 4 Months Analysis
MetricFNBO DirectPibank
High-Yield Online Savings AccountPibank Savings
Current APY
3.00%4.60%
Trend
 Stable Stable
Velocity (bps/mo)
-8.30.0
Days Since Change
64134
4-Month High
3.25%4.60%
4-Month Low
3.00%4.60%
Adjustments / Mo
0.220.00
Volatility Score
0.0400.000
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 135-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar High-Yield Accounts

Compare FNBO Direct vs...

Comparing against Standard Savings

vs FNBO Direct
Neighbors BankNo Bundle Req
4.50%
APY
vs FNBO Direct
TIMBRNo Bundle Req
4.40%
APY
vs FNBO Direct
Newtek BankNo Bundle Req
4.35%
APY

Compare Pibank vs...

Comparing against Standard Savings

vs Pibank
Neighbors BankNo Bundle Req
4.50%
APY
vs Pibank
TIMBRNo Bundle Req
4.40%
APY
vs Pibank
Newtek BankNo Bundle Req
4.35%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare FNBO Direct's APY of 3.00% with other banks
Bank PairCompetitor APYMin Deposit
FNBO Direct vs Ally Bank3.30%$0
FNBO Direct vs American Express3.40%$0
FNBO Direct vs Axos Bank4.31%$0
FNBO Direct vs Bank of America0.01%$100
FNBO Direct vs Barclays4.00%$0
FNBO Direct vs Bask Bank3.90%$0
FNBO Direct vs BMO Alto3.25%$0
FNBO Direct vs BrioDirect4.00%$5,000
FNBO Direct vs Capital One3.40%$0
FNBO Direct vs Chase Bank0.01%$0
FNBO Direct vs Chime3.50%$0
FNBO Direct vs CIT Bank3.75%$100
FNBO Direct vs Citibank3.30%$0
FNBO Direct vs Citizens Access™3.35%$0.01
FNBO Direct vs Climate First Bank4.21%$50
FNBO Direct vs Discover Bank3.40%$0
FNBO Direct vs Elevault4.08%$0
FNBO Direct vs EverBank4.05%$0
FNBO Direct vs Fitness Bank4.75%$100
FNBO Direct vs Forbright Bank4.00%$0
FNBO Direct vs FVCbank3.85%$500
FNBO Direct vs GO2bank4.50%$0
FNBO Direct vs Ivy Bank4.25%$2,500
FNBO Direct vs LendingClub4.20%$0
FNBO Direct vs Marcus by Goldman Sachs3.65%$0
FNBO Direct vs Neighbors Bank4.50%$0
FNBO Direct vs Newtek Bank4.35%$0.01
FNBO Direct vs Openbank4.20%$500
FNBO Direct vs Peak Bank4.20%$100
FNBO Direct vs PNC3.53%$0
FNBO Direct vs Presidential Bank4.00%$5,000
FNBO Direct vs Quontic Bank3.75%$100
FNBO Direct vs Salem Five Direct3.71%$10
FNBO Direct vs Santander Bank0.01%$25
FNBO Direct vs SoFi Bank4.30%$0
FNBO Direct vs Synchrony Bank3.65%$0
FNBO Direct vs TIMBR4.40%$1,000
FNBO Direct vs UFB Direct3.71%$5000
FNBO Direct vs Valley Direct4.10%$1,000
FNBO Direct vs Varo Bank5.00%$0
FNBO Direct vs Vio Bank4.16%$100
FNBO Direct vs Wealthfront4.15%$0
FNBO Direct vs Wells Fargo0.05%$25
FNBO Direct vs Zynlo Bank4.05%$10
Compare Pibank's APY of 4.60% with other banks
Bank PairCompetitor APYMin Deposit
Pibank vs Ally Bank3.30%$0
Pibank vs American Express3.40%$0
Pibank vs Axos Bank4.31%$0
Pibank vs Bank of America0.01%$100
Pibank vs Barclays4.00%$0
Pibank vs Bask Bank3.90%$0
Pibank vs BMO Alto3.25%$0
Pibank vs BrioDirect4.00%$5,000
Pibank vs Capital One3.40%$0
Pibank vs Chase Bank0.01%$0
Pibank vs Chime3.50%$0
Pibank vs CIT Bank3.75%$100
Pibank vs Citibank3.30%$0
Pibank vs Citizens Access™3.35%$0.01
Pibank vs Climate First Bank4.21%$50
Pibank vs Discover Bank3.40%$0
Pibank vs Elevault4.08%$0
Pibank vs EverBank4.05%$0
Pibank vs Fitness Bank4.75%$100
Pibank vs Forbright Bank4.00%$0
Pibank vs FVCbank3.85%$500
Pibank vs GO2bank4.50%$0
Pibank vs Ivy Bank4.25%$2,500
Pibank vs LendingClub4.20%$0
Pibank vs Marcus by Goldman Sachs3.65%$0
Pibank vs Neighbors Bank4.50%$0
Pibank vs Newtek Bank4.35%$0.01
Pibank vs Openbank4.20%$500
Pibank vs Peak Bank4.20%$100
Pibank vs PNC3.53%$0
Pibank vs Presidential Bank4.00%$5,000
Pibank vs Quontic Bank3.75%$100
Pibank vs Salem Five Direct3.71%$10
Pibank vs Santander Bank0.01%$25
Pibank vs SoFi Bank4.30%$0
Pibank vs Synchrony Bank3.65%$0
Pibank vs TIMBR4.40%$1,000
Pibank vs UFB Direct3.71%$5000
Pibank vs Valley Direct4.10%$1,000
Pibank vs Varo Bank5.00%$0
Pibank vs Vio Bank4.16%$100
Pibank vs Wealthfront4.15%$0
Pibank vs Wells Fargo0.05%$25
Pibank vs Zynlo Bank4.05%$10