FNBO Direct vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | FNBO DirectHigh-Yield Online Savings Account Jan 21, 2026 | PibankPibank Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.00% | 4.60% |
Est. Earnings | $5,000+$150 $10,000+$300 $25,000+$750 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
Min Deposit | $1 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow 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.
Comparison Analysis
Comparing FNBO Direct vs. Pibank
As of 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 pays $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.
Why FNBO Direct?
- ✓Higher rated iOS app (4.5 vs 2.3)
- ✓Higher rated Android app (4.8 vs 1.7)
- ✓Fast transfers via Zelle®
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.00%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $300/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $750/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
FNBO DirectFNBO Direct offers an iOS app rated 4.5 (vs. 2.3) and Android app rated 4.8 (vs. 1.7)
Shared Benefits
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.
*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 notable APY of 4.60%, significantly higher than FNBO Direct's High-Yield Online Savings Account, which provides an APY of 3.00%. Both accounts are online-only, require a minimum deposit of $0, and have no maintenance fees. Pibank's account is highlighted for its simplicity, with no direct deposit requirement or caps on interest. Additionally, Pibank's account yields better returns on both smaller and larger deposits compared to FNBO Direct. While FNBO Direct boasts a superior mobile app experience, the higher APY makes Pibank 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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FNBO Direct vs. Pibank Savings Calculator
You earn $160 more with Pibank than FNBO Direct 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.
FNBO Direct
High-Yield Online Savings Account
Savings Breakdown
- Interest Earned+$300.00(2.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,300.00
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 | FNBO Direct | Pibank |
|---|---|---|
| APY | 3.00% Verified: 1/21/2026 Stable (90d) | 4.60% Verified: 1/21/2026 Stable (90d) |
| Product Name | High-Yield Online Savings Account | Pibank Savings |
| Minimum Deposit | $1 | $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 | iOS4.5 Android4.8 | iOS2.3 Android1.7 |
| Zelle® Support | Available Online division fully supports Zelle. | Not Supported |
| BBB Rating | A+ | A |
| Next Steps | Visit SiteVerify at FNBO Direct Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FNBO Direct | Pibank |
|---|---|---|
| High-Yield Online Savings Account | Pibank Savings | |
Current APY | 3.00% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.7 | 0.0 |
Days Since Change | 110 | 180 |
6-Month High | 3.25% | 4.60% |
6-Month Low | 3.00% | 4.60% |
Adjustments / Mo | 0.17 | 0.00 |
Volatility Score | 0.038 | 0.000 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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