Fnbo Direct vs. Pibank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
We earn a commission if you open an account through some links on this page.
Summary of FNBO Direct vs. Pibank
Key Metrics at a Glance
| Feature | FNBO Direct | Pibank |
|---|---|---|
| Top Savings APY | 3.00% High-Yield Online Savings Account | 4.60% Pibank Savings |
| Minimum to Open | $1 | $0 |
| Minimum Balance for Top APY | $0.01 | $0.01 |
FNBO Direct
Strengths
- FNBO Direct offers a High-Yield Online Savings Account with a 3.00% APY.
- FNBO Direct has a higher App Store rating of 4.5 compared to Pibank's 2.4.
- FNBO Direct has no maintenance fees.
Potential Drawbacks
- FNBO Direct's APY decreased from 3.25% to 3.00% in the last 30 days.
- FNBO Direct is not rated by the BBB.
Pibank
Strengths
- Pibank offers a competitive 4.60% APY on its savings account.
- Pibank has an A rating from the BBB, indicating trustworthiness.
- Pibank has no maintenance fees.
Potential Drawbacks
- Pibank's App Store rating is low at 2.4, and its Google Play rating is just 1.7.
- Pibank's APY has remained unchanged at 4.60% over the last 30 days.
Summary: Pibank offers a higher APY of 4.60% compared to FNBO Direct's 3.00%, but FNBO Direct has better App Store ratings. Pibank holds an A BBB rating, while FNBO Direct is not rated. Both banks have no maintenance fees, but FNBO Direct's APY has decreased recently, while Pibank's remains unchanged.
→ As of October 16, 2025 FNBO Direct offers an APY of 3.00% for its High-Yield Online 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 yields $160 more than FNBO Direct on a $10,000 balance after one year. FNBO Direct pays $300, while Pibank pays $460 - an APY advantage for Pibank.
Calculate Savings Growth for FNBO Direct vs Pibank
All calculations are based on APY.
FNBO Direct
APY: 3.00%
Total savings breakdown:
- Interest earned: $1,798.2 (9.08%)
- Total contributions: $13,000 (65.66%)
- Initial deposit: $5,000 (25.25%)
Your total balance
$19,798.20
Effective APY: 3.00% (based on your deposit and contributions)
Total balance: $19,798.2
Earnings: $1,798.2
Bank OverviewPibank
APY: 4.60%
Total savings breakdown:
- Interest earned: $2,825.8 (13.57%)
- Total contributions: $13,000 (62.42%)
- Initial deposit: $5,000 (24.01%)
Your total balance
$20,825.80
Effective APY: 4.60% (based on your deposit and contributions)
Total balance: $20,825.8
Earnings: $2,825.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, FNBO Direct's total earnings would be $1,027.6 lower than Pibank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare FNBO Direct's vs Pibank's Savings Accounts
| FNBO Direct | Pibank | ||
|---|---|---|---|
| Product | High-Yield Online Savings Account | vs | Pibank Savings |
| APY | 3.00% (as of 10/16/2025) | 4.60% (as of 10/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $1 | $0 | |
| Minimum Balance for APY | $0.01 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.5/5 | 2.4/5 | |
| Google Play Rating | 4.8/5 | 1.7/5 | |
| BBB Rating | Not Rated | A |
Comparative Historical APY Insights (Last 3 Months)
| FNBO Direct | Pibank | ||
|---|---|---|---|
| Product | High-Yield Online Savings Account | vs | Pibank Savings |
| Latest APY | 3.00 % | 4.60 % | |
| Trend | Falling | Sideways | |
| Slope (bps/mo) | -7.7 | 0.0 | |
| Rate Changes / Mo | 0.36 | 0.00 | |
| Days Since Last Change | 13 | 83 | |
| High (-3 m) | 3.25 % | 4.60 % | |
| Low (-3 m) | 3.00 % | 4.60 % | |
| Draw-down from High | -7.7 % | 0.0 % | |
| Volatility (CV) | 0.029 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 3 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-3 m)
- Highest APY in the last 84 days.
- Low (-3 m)
- Lowest APY in the last 84 days.
- Draw-down from High
- How far today sits below the 3-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
More Comparisons
Compare FNBO Direct's APY of 3.00% with other banks
Compare Pibank's APY of 4.60% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Pibank vs Ally Bank | 3.40% | $0 |
| Pibank vs American Express | 3.50% | $0 |
| Pibank vs Axos Bank | 4.51% | $0 |
| Pibank vs Bank of America | 0.01% | $100 |
| Pibank vs Barclays | 4.10% | $0 |
| Pibank vs Bask Bank | 4.05% | $0 |
| Pibank vs BrioDirect | 4.20% | $5,000 |
| Pibank vs Capital One | 3.40% | $0 |
| Pibank vs Chase Bank | 0.01% | $0 |
| Pibank vs Chime | 3.50% | $0 |
| Pibank vs CIT Bank | 3.85% | $100 |
| Pibank vs Citizens Access™ | 3.50% | $0.01 |
| Pibank vs Discover Bank | 3.40% | $0 |
| Pibank vs Elevault | 4.34% | $0 |
| Pibank vs EverBank | 4.05% | $0 |
| Pibank vs Fitness Bank | 4.75% | $100 |
| Pibank vs FVCbank | 4.10% | $500 |
| Pibank vs GO2bank | 4.50% | $0 |
| Pibank vs LendingClub | 4.20% | $0 |
| Pibank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Pibank vs Neighbors Bank | 4.50% | $0 |
| Pibank vs Newtek Bank | 4.35% | $0 |
| Pibank vs Peak Bank | 4.20% | $100 |
| Pibank vs Presidential Bank | 4.50% | $5,000 |
| Pibank vs Santander Bank | 0.01% | $25 |
| Pibank vs SoFi Bank | 4.50% | $0 |
| Pibank vs Synchrony Bank | 3.80% | $0 |
| Pibank vs TIMBR | 4.40% | $1,000 |
| Pibank vs UFB Direct | 3.96% | $5000 |
| Pibank vs Valley Direct | 4.10% | $1000 |
| Pibank vs Varo Bank | 5.00% | $0 |
| Pibank vs Wells Fargo | 2.51% | $25 |
| Pibank vs Zynlo Bank | 4.20% | $10 |