Pibank vs. PNC
Comparing Pibank and PNC for high-yield savings: Pibank's Pibank Savings pays 4.60% APY while PNC's PNC High Yield Savings pays 3.25% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Pibank pays $135 more than PNC annually ($460 vs $325).
Choose Pibank if getting the best rate matters most. Choose PNC if you value in-person banking, mobile app quality matters, or you want Zelle for quick transfers.
| Metric | PibankPibank Savings Apr 7, 2026 | PNCPNC High Yield Savings Apr 7, 2026 |
|---|---|---|
| APY | 4.60% | 3.25% |
Est. Earnings | $5,000+$230 $10,000+$460 $25,000+$1,150 | $5,000+$163 $10,000+$325 $25,000+$813 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Eligibility restricted to select states. |
| Features | FDIC InsuredNo MinimumsDaily CompoundingStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often |
Executive Summary
Pibank offers a competitive Pibank Savings account with an impressive 4.60% APY, making it a strong choice for savers looking for high returns with no minimum deposit or maintenance fees. The account is online-only and does not require direct deposit, providing simplicity for users. In contrast, PNC's Standard Savings account yields only 0.03% APY, while its High Yield Savings account offers 3.25% APY but is limited to select states. Although PNC provides a well-rated mobile app, the APY on its savings products is significantly lower than Pibank's offering.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.25%) 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 2.2)
- ✓Higher rated Android app (4.6 vs 1.8)
- ✓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 $325/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $813/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. 2.2) and Android app rated 4.6 (vs. 1.8)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $135 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.
Non-sponsored link to official site
Non-sponsored link to official site
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Pibank vs. PNC Savings Calculator
You earn $135 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+$325.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,325.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $324 per year in interest.
Both Pibank and PNC dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Pibank | PNC |
|---|---|---|
| APY | 4.60% Verified: 4/7/2026 Stable (90d) | 3.25% Verified: 4/7/2026 ↘︎ 0.05%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 |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | None | 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 |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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% | 3.25% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -7.8 | 0.1 |
Days Since Change | 365 | 32 | 341 |
12-Month High | 4.60% | 3.95% | 0.03% |
12-Month Low | 4.60% | 3.25% | 0.01% |
Adjustments / Mo | 0.00 | 0.41 | 0.08 |
Volatility Score | 0.000 | 0.082 | 0.164 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare Pibank's APY of 4.60% with other banks
Compare PNC's APY of 3.25% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| PNC vs Ally Bank | 3.20% | $0 |
| PNC vs American Express | 3.20% | $0 |
| PNC vs Axos Bank | 4.21% | $0 |
| PNC vs Barclays | 3.85% | $0 |
| PNC vs Capital One | 3.20% | $0 |
| PNC vs Chime | 3.00% | $0 |
| PNC vs CIT Bank | 3.75% | $100 |
| PNC vs Discover Bank | 3.30% | $0 |
| PNC vs EverBank | 3.90% | $0 |
| PNC vs Marcus by Goldman Sachs | 3.65% | $0 |
| PNC vs Newtek Bank | 4.20% | $0.01 |
| PNC vs Openbank | 4.00% | $500 |
| PNC vs SoFi Bank | 4.00% | $0 |
| PNC vs Synchrony Bank | 3.50% | $0 |
| PNC vs Varo Bank | 5.00% | $0 |
| PNC vs Wealthfront | 4.20% | $0 |