Pibank vs. Presidential Bank

High-Yield Savings Account Comparison

By Aviel Fahl|Last Updated: October 21, 2025

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Summary of Pibank vs. Presidential Bank

Key Metrics at a Glance

FeaturePibankPresidential Bank
Top Savings APY

4.60%

Pibank Savings

4.50%

Advantage Savings

Minimum to Open$0$5,000
Minimum Balance for Top APY$0.01N/A

Pibank

Strengths

  • Pibank offers a higher APY of 4.60% compared to Presidential Bank's 4.50%.
  • No minimum deposit requirement for Pibank's savings account.
  • Pibank has no maintenance fees for its savings account.

Potential Drawbacks

  • Pibank has a low App Store rating of 2.4 and Google Play rating of 1.7.
  • Pibank has no physical branches, limiting in-person service.
  • Pibank does not allow direct deposits for its savings account.

Presidential Bank

Strengths

  • Presidential Bank has 10 branches in Maryland, Virginia, and Washington D.C.
  • Higher App Store rating of 4.8 and Google Play rating of 4.2.
  • No maintenance fees for the Advantage Savings account.

Potential Drawbacks

  • Presidential Bank requires a $5,000 minimum deposit for its savings account.
  • To earn the higher APY, a monthly direct deposit is required.
  • Presidential Bank's APY is lower than Pibank's at 4.50%.
Summary: Pibank offers a higher APY of 4.60% with no minimum deposit and no fees, but lacks branches and direct deposit options. In contrast, Presidential Bank provides physical locations and a higher App Store rating, but requires a $5,000 minimum deposit and a direct deposit to achieve its APY of 4.50%. Consider your priorities between higher returns and accessibility.

→ As of October 21, 2025 Pibank offers an APY of 4.60% for its Pibank Savings account, with a minimum balance of $0.01, compared to Presidential Bank's 4.50% APY for its Advantage Savings account, with a minimum balance of N/A.

Pibank yields $10 more than Presidential Bank on a $10,000 balance after one year. Pibank pays $460, while Presidential Bank pays $450 - an APY advantage for Pibank.

Calculate Savings Growth for Pibank vs Presidential Bank

All calculations are based on APY.

Pibank - Pibank Savings

Top APY: 4.60%

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

Effective APY: 4.60% (based on your deposit and contributions)

Total balance: $20,825.8

Earnings: $2,825.8

Bank Overview

Presidential Bank - Advantage Savings

Top APY: 4.50%

Total savings breakdown:

  • Interest earned: $2,760.1 (13.30%)
  • Total contributions: $13,000 (62.62%)
  • Initial deposit: $5,000 (24.08%)

Your total balance

$20,760.10

Effective APY: 4.50% (based on your deposit and contributions)

Total balance: $20,760.1

Earnings: $2,760.1

Bank Overview

With a $5,000 initial deposit and $13,000 in total contributions over 5 years, Pibank's total earnings would be $65.7 higher than Presidential Bank's total earnings.

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Compare Pibank's vs Presidential Bank's Savings Accounts

PibankPresidential Bank
ProductPibank SavingsvsAdvantage Savings
APY
4.60% (as of 10/21/2025)4.00% - 4.50% (as of 10/21/2025)
Bundled Account
NoYes
FDIC-insured
YesYes
Online OnlyYesNo
Compound Frequency
DailyMonthly
Minimum Deposit$0$5,000
Minimum Balance for APY$0.01N/A
Maintenance Fee$0$0
Direct Deposit Required
NoYes. To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
App Store Rating2.4/54.8/5
Google Play Rating1.7/54.2/5
BBB RatingAA-

Comparative Historical APY Insights (Last 8 Months)

PibankPresidential Bank
ProductPibank SavingsvsAdvantage Savings
Latest APY4.60 %4.50 %
TrendSidewaysSideways
Slope (bps/mo)-0.00.0
Rate Changes / Mo0.000.00
Days Since Last Change249249
High (-8 m)4.60 %4.50 %
Low (-8 m)4.60 %4.50 %
Draw-down from High0.0 %0.0 %
Volatility (CV)0.0000.000
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 250 days.
Low (-8 m)
Lowest APY in the last 250 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.

More Comparisons

Compare Pibank's APY of 4.60% with other banks
Compare Presidential Bank's APY of 4.50% with other banks