Jenius Bank vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Jenius BankJenius Savings Jan 7, 2026 | PibankPibank Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 4.60% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | 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 Jenius Bank vs. Pibank
As of Jenius Bank offers an APY of 4.05% for its Jenius 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 $55 more than Jenius Bank on a $10,000 balance after one year. Jenius Bank pays $405, while Pibank pays $460 - an APY advantage for Pibank.
Why Jenius Bank?
No distinct advantages found vs Pibank.
Why Pibank?
- ✓Higher potential APY (4.60% vs 4.05%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $405/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $1013/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $55 more interest on a $10,000 balance than Jenius Bank's Jenius 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, the Pibank Savings, with an APY of 4.60%, making it the top choice compared to Jenius Bank's Jenius Savings, which has an APY of 4.05%. Both accounts require no minimum deposit and have no maintenance fees, but Pibank's higher yield provides better returns, especially noticeable at higher deposit amounts. Both banks operate online only, and neither requires direct deposit. For those seeking a straightforward savings option, Pibank stands out with its higher APY.
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
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Jenius Bank vs. Pibank Savings Calculator
You earn $55 more with Pibank than Jenius Bank 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.
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
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 | Jenius Bank | Pibank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 4.60% Verified: 1/7/2026 Stable (90d) |
| Product Name | Jenius 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 | iOS4.0 Android3.6 | iOS2.4 Android1.7 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A |
| Next Steps | Visit SiteVerify at Jenius Bank Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Jenius Bank | Pibank |
|---|---|---|
| Jenius Savings | Pibank Savings | |
Current APY | 4.05% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.2 | -0.0 |
Days Since Change | 50 | 322 |
11-Month High | 4.50% | 4.60% |
11-Month Low | 4.05% | 4.60% |
Adjustments / Mo | 0.18 | 0.00 |
Volatility Score | 0.024 | 0.000 |
How to read these metrics(Click to expand)
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