Pibank vs. Quontic Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | PibankPibank Savings Jan 7, 2026 | Quontic BankHigh Yield Savings Jan 7, 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 Minimums | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported |
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
As of Pibank offers an APY of 4.60% for its Pibank Savings account, with a minimum balance of $0.01, compared to Quontic Bank's 3.50% APY for its High Yield Savings account, with a minimum balance of $0.
Pibank pays $110 more than Quontic Bank on a $10,000 balance after one year. Pibank pays $460, while Quontic Bank pays $350 - an APY advantage for Pibank.
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.50%) on all balances
Why Quontic Bank?
- ✓Higher rated iOS app (4.8 vs 2.4)
- ✓Higher rated Android app (4.9 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. 2.4) and Android app rated 4.9 (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.
Executive Summary as of
Pibank offers a competitive savings product, the Pibank Savings account, with a notable APY of 4.60%, making it the superior choice compared to Quontic Bank's High Yield Savings account, which has an APY of 3.50%. Pibank's account stands out for its simplicity, requiring no minimum deposit or direct deposit, and it has no maintenance fees. In contrast, Quontic Bank requires a minimum deposit of $100 but also has no maintenance fees. Both banks operate online-only and provide FDIC insurance, making them accessible for digital banking users.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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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.
| Feature | Pibank | Quontic Bank |
|---|---|---|
| APY | 4.60% Verified: 1/7/2026 Stable (90d) | 3.50% Verified: 1/7/2026 ↘︎ 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 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS2.4 Android1.7 | iOS4.8 Android4.9 |
| 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 | -1.7 |
Days Since Change | 327 | 8 |
11-Month High | 4.60% | 3.85% |
11-Month Low | 4.60% | 3.50% |
Adjustments / Mo | 0.00 | 0.18 |
Volatility Score | 0.000 | 0.019 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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