Pibank vs. Pnc
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 14, 2025
We earn a commission if you open an account through some links on this page.
Summary of Pibank vs. PNC
Key Metrics at a Glance
| Feature | Pibank | PNC |
|---|---|---|
| Top Savings APY | 4.60% Pibank Savings | 3.53% PNC High Yield Savings |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0.01 | $0 |
| Note | Eligibility restricted. |
Pibank
Strengths
- Pibank offers a higher APY of 4.60% compared to PNC's 3.53%.
- No minimum balance requirement for Pibank Savings.
- Pibank has no maintenance fees.
Potential Drawbacks
- Pibank has low App Store rating of 2.4.
- Pibank has low Google Play rating of 1.8.
- Pibank is not accredited by the BBB.
PNC
Strengths
- PNC has a high App Store rating of 4.9.
- PNC has a high Google Play rating of 4.6.
- PNC's BBB rating is A+.
Potential Drawbacks
- PNC's high yield savings APY decreased from 3.85% to 3.53%.
- Eligibility for PNC High Yield Savings is restricted.
- PNC has a minimum balance of $1 for Standard Savings.
→ As of November 14, 2025 Pibank offers an APY of 4.60% for its Pibank Savings account, with a minimum balance of $0.01, compared to PNC's 3.53% APY for its PNC High Yield Savings account, with a minimum balance of $0.
→ Pibank yields $107 more than PNC on a $10,000 balance after one year. Pibank pays $460, while PNC pays $353 - an APY advantage for Pibank.
→ In addition, PNC also offers 0.03% APY for the Standard Savings account.
Calculate Savings Growth for Pibank vs PNC
Pibank - Pibank Savings
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
Total balance: $20,825.8
Earnings: $2,825.8
Bank OverviewPNC - PNC High Yield Savings
Total savings breakdown:
- Interest earned: $2,133.2 (10.60%)
- Total contributions: $13,000 (64.57%)
- Initial deposit: $5,000 (24.83%)
Your total balance
$20,133.20
Total balance: $20,133.2
Earnings: $2,133.2
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Pibank's total earnings would be $692.6 higher than PNC's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Pibank's vs PNC's Savings Accounts
| Pibank | PNC | |||
|---|---|---|---|---|
| Product | Pibank Savings | vs | Standard Savings | PNC High Yield Savings |
| APY | 4.60% (as of 11/14/2025) | 0.03% (as of 11/14/2025) | 3.53% (as of 11/14/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | No | No | |
| Compound Frequency | Daily | Monthly | Monthly | |
| Minimum Deposit | $0 | $0 | $0 | |
| Minimum Balance for APY | $0.01 | $1 | $0 | |
| Maintenance Fee | $0 | $0 / $5 (see bank for details) | $0 | |
| Direct Deposit Required | No | No | No | |
| Eligibility | United States | United States | AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY | |
| Note | APY may improve with a linked PNC account. Terms and conditions apply. | Eligibility restricted. | ||
| App Store Rating | 2.4/5 | 4.9/5 | ||
| Google Play Rating | 1.8/5 | 4.6/5 | ||
| BBB Rating | A | A+ | ||
Comparative Historical APY Insights (Last 8 Months)
| Pibank | PNC | |||
|---|---|---|---|---|
| Product | Pibank Savings | vs | PNC High Yield Savings | Standard Savings |
| Latest APY | 4.60 % | 3.53 % | 0.03 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | -1.9 | 0.2 | |
| Rate Changes / Mo | 0.00 | 0.35 | 0.12 | |
| Days Since Last Change | 255 | 1 | 197 | |
| High (-8 m) | 4.60 % | 3.95 % | 0.03 % | |
| Low (-8 m) | 4.60 % | 3.53 % | 0.01 % | |
| Draw-down from High | 0.0 % | -10.6 % | 0.0 % | |
| Volatility (CV) | 0.000 | 0.019 | 0.331 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 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 (-8 m)
- Highest APY in the last 256 days.
- Low (-8 m)
- Lowest APY in the last 256 days.
- Draw-down from High
- How far today sits below the 8-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.