Pibank vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | PibankPibank Savings Jan 7, 2026 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.60% | 3.30% |
Est. Earnings | $5,000+$230 $10,000+$460 $25,000+$1,150 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Eligibility restricted to select states. |
| Features | FDIC InsuredNo Minimums | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
As of Pibank offers an APY of 4.60% for its Pibank Savings account, with a minimum balance of $0.01, compared to PNC's 3.30% APY for its PNC High Yield Savings account, with a minimum balance of $0.
Pibank pays $130 more than PNC on a $10,000 balance after one year. Pibank pays $460, while PNC pays $330 - an APY advantage for Pibank.
In addition, PNC also offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.30%) on all balances
- ✓Available Nationwide
Why PNC?
- ✓Physical branch access (Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI)
- ✓Higher rated iOS app (4.9 vs 2.4)
- ✓Higher rated Android app (4.6 vs 1.7)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $330/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $825/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
PNCPNC offers an iOS app rated 4.9 (vs. 2.4) and Android app rated 4.6 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $130 more interest on a $10,000 balance than PNC's PNC High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Pibank offers a superior savings option with its Pibank Savings account, boasting an impressive APY of 4.60%. This account requires no minimum deposit, has no maintenance fees, and is online-only, making it a straightforward choice for savers. In contrast, PNC provides a Standard Savings account with a minimal APY of 0.03% and a High Yield Savings account with a better, yet still lower, APY of 3.30%. While PNC's accounts are accessible with a minimum balance of $1 and may improve with linked accounts, they are not as competitive as Pibank's offerings. Additionally, PNC's High Yield Savings has eligibility restrictions in select states.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Pibank vs. PNC Savings Calculator
You earn $130 more with Pibank than PNC 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.
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Pibank | PNC |
|---|---|---|
| APY | 4.60% Verified: 1/7/2026 Stable (90d) | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | Pibank Savings | PNC High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS2.4 Android1.7 | iOS4.9 Android4.6 |
| Zelle® Support | Not Supported | Available Limit: $2,000/dayCentral to Virtual Wallet suite. |
| BBB Rating | A | A+ |
| Important Notes | - | Eligibility restricted to select states. |
| Next Steps | Visit SiteVerify at Pibank Non-sponsored link to official site | Visit SiteVerify at PNC Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Pibank | PNC | |
|---|---|---|---|
| Pibank Savings | PNC High Yield Savings | Standard Savings | |
Current APY | 4.60% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -0.0 | -5.6 | 0.2 |
Days Since Change | 309 | 21 | 251 |
10-Month High | 4.60% | 3.95% | 0.03% |
10-Month Low | 4.60% | 3.30% | 0.01% |
Adjustments / Mo | 0.00 | 0.39 | 0.10 |
Volatility Score | 0.000 | 0.057 | 0.289 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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