Pibank vs. Presidential Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | PibankPibank Savings Jan 21, 2026 | Presidential BankAdvantage Savings Jan 21, 2026 |
|---|---|---|
| APY | 4.60% | 3.25% - 3.75% |
Est. Earnings | $5,000+$230 $10,000+$460 $25,000+$1,150 | $5,000+$188 $10,000+$375 $25,000+$938 |
Min Deposit | $0 | $5,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedDirect Deposit ReqChecking Bundle |
Comparison Analysis
Comparing Pibank vs. Presidential Bank
As of Pibank offers an APY of 4.60% for its Pibank Savings account, with a minimum balance of $0.01, compared to Presidential Bank's 3.75% APY for its Advantage Savings account, with a minimum balance of N/A.
Pibank pays $85 more than Presidential Bank on a $10,000 balance after one year. Pibank pays $460, while Presidential Bank pays $375 - an APY advantage for Pibank.
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.75%) on all balances
- ✓No checking account or direct deposit required
Why Presidential Bank?
- ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
- ✓Higher rated iOS app (4.8 vs 2.3)
- ✓Higher rated Android app (4.2 vs 1.7)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $375/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $938/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Presidential BankPresidential Bank offers an iOS app rated 4.8 (vs. 2.3) and Android app rated 4.2 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $85 more interest on a $10,000 balance than Presidential Bank's Advantage 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 impressive APY of 4.60%, making it the clear winner over Presidential Bank's Advantage Savings, which has a lower APY of 3.75%. Pibank's account requires no minimum deposit, maintenance fees, or direct deposit, and is available online only. In contrast, Presidential Bank's Advantage Savings necessitates a minimum deposit of $5,000 and requires a monthly direct deposit of $500 into an Advantage Checking Account to earn the higher APY. While Presidential Bank provides a strong mobile app experience, Pibank stands out for its simplicity and higher returns.
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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Top Market Contenders
Pibank vs. Presidential Bank Savings Calculator
You earn $85 more with Pibank than Presidential 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.
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Pibank | Presidential Bank |
|---|---|---|
| APY | 4.60% Verified: 1/21/2026 Stable (90d) | 3.75% Range: 3.25% - 3.75% Verified: 1/21/2026 ↘︎ 0.75%90d Change |
| Product Name | Pibank Savings | Advantage Savings |
| Minimum Deposit | $0 | $5,000 |
| Min. Balance for APY | $0.01 | N/A |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS2.3 Android1.7 | iOS4.8 Android4.2 |
| Zelle® Support | Not Supported | Available Native integration; Advantage Savings supports Zelle. |
| BBB Rating | A | A- |
| Next Steps | Visit SiteVerify at Pibank Non-sponsored link to official site | Visit SiteVerify at Presidential Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Pibank | Presidential Bank |
|---|---|---|
| Pibank Savings | Advantage Savings | |
Current APY | 4.60% | 3.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -6.1 |
Days Since Change | 341 | 35 |
11-Month High | 4.60% | 4.50% |
11-Month Low | 4.60% | 3.75% |
Adjustments / Mo | 0.00 | 0.26 |
Volatility Score | 0.000 | 0.064 |
How to read these metrics(Click to expand)
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