Pibank vs. Quontic Bank
Comparing Pibank and Quontic Bank for high-yield savings: Pibank's Pibank Savings pays 4.60% APY while Quontic Bank's High Yield Savings pays 3.50% 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 $110 more than Quontic Bank annually ($460 vs $350).
Choose Pibank if getting the best rate matters most. Choose Quontic Bank if mobile app quality matters, or you want Zelle for quick transfers.
| Metric | PibankPibank Savings Feb 21, 2026 | Quontic BankHigh Yield Savings Feb 21, 2026 |
|---|---|---|
| APY | 4.60% | 3.50% |
Est. Earnings | $5,000+$230 $10,000+$460 $25,000+$1,150 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsDaily CompoundingStable Rate | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often |
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Pibank vs. Quontic Bank
Executive Summary
Pibank offers a competitive savings option with its Pibank Savings account, boasting a high APY of 4.60%. This account requires no minimum deposit or balance, and there are no maintenance fees or direct deposit requirements, making it a straightforward choice for savers. In comparison, Quontic Bank's High Yield Savings account provides a lower APY of 3.50%, with a minimum deposit of $100, but also has no maintenance fees. While Quontic is noted for its excellent mobile app experience, Pibank stands out as the winner for its higher yield and simplicity.
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 3.50%) on all balances
Why Quontic Bank?
- ✓Higher rated iOS app (4.8 vs 2.3)
- ✓Higher rated Android app (4.8 vs 1.7)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $350/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $875/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Quontic BankQuontic Bank offers an iOS app rated 4.8 (vs. 2.3) and Android app rated 4.8 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $110 more interest on a $10,000 balance than Quontic Bank's 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
* Secure link to our partner
Top Market Contenders
Pibank vs. Quontic Bank Savings Calculator
You earn $110 more with Pibank than Quontic 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
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
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 $349 per year in interest.
Both Pibank and Quontic Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Pibank | Quontic Bank |
|---|---|---|
| APY | 4.60% Verified: 2/21/2026 Stable (90d) | 3.50% Verified: 2/21/2026 ↘︎ 0.25%90d Change |
| Product Name | Pibank Savings | High Yield Savings |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | None for banking. Loan offices only. |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Limit: $1,000/dayDigital-first bank with full native support. |
| BBB Rating | A | A+ |
| Next Steps | Visit SiteVerify at Pibank Non-sponsored link to official site | Visit SiteGo to Quontic Bank * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Pibank | Quontic Bank |
|---|---|---|
| Pibank Savings | High Yield Savings | |
Current APY | 4.60% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -2.7 |
Days Since Change | 365 | 53 |
12-Month High | 4.60% | 3.85% |
12-Month Low | 4.60% | 3.50% |
Adjustments / Mo | 0.00 | 0.16 |
Volatility Score | 0.000 | 0.032 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Pibank vs...
Comparing against Standard Savings
Compare Quontic Bank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.
More Comparisons
Compare Pibank's APY of 4.60% with other banks
Compare Quontic Bank's APY of 3.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Quontic Bank vs Ally Bank | 3.20% | $0 |
| Quontic Bank vs American Express | 3.30% | $0 |
| Quontic Bank vs Axos Bank | 4.21% | $0 |
| Quontic Bank vs Bank of America | 0.01% | $100 |
| Quontic Bank vs Barclays | 3.85% | $0 |
| Quontic Bank vs Capital One | 3.30% | $0 |
| Quontic Bank vs Chase Bank | 0.01% | $0 |
| Quontic Bank vs Chime | 3.00% | $0 |
| Quontic Bank vs CIT Bank | 3.75% | $100 |
| Quontic Bank vs Citibank | 3.20% | $0 |
| Quontic Bank vs Discover Bank | 3.30% | $0 |
| Quontic Bank vs EverBank | 3.90% | $0 |
| Quontic Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Quontic Bank vs Newtek Bank | 4.20% | $0.01 |
| Quontic Bank vs Openbank | 4.09% | $500 |
| Quontic Bank vs SoFi Bank | 4.00% | $0 |
| Quontic Bank vs Synchrony Bank | 3.50% | $0 |
| Quontic Bank vs Varo Bank | 5.00% | $0 |
| Quontic Bank vs Wealthfront | 3.95% | $0 |
| Quontic Bank vs Wells Fargo | 0.05% | $25 |