Pibank vs. Vio Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Pibank vs. Vio Bank
Key Metrics at a Glance
| Feature | Pibank | Vio Bank |
|---|---|---|
| Top Savings APY | 4.60% Pibank Savings | 4.21% Online Savings Account |
| Minimum to Open | $0 | $100 |
| Minimum Balance for Top APY | $0.01 | $0 |
Pibank
Strengths
- Pibank offers a higher APY of 4.60% compared to Vio Bank's 4.21%.
- No maintenance fees for Pibank's savings account.
- Pibank has no minimum deposit requirement.
Potential Drawbacks
- Pibank has a low App Store rating of 2.4.
- Pibank is not BBB Accredited, only has an A rating.
- Pibank has no branches for in-person banking.
Vio Bank
Strengths
- Vio Bank has a higher App Store rating of 4.6.
- Vio Bank is BBB Accredited with an A+ rating.
- Vio Bank offers electronic statements to avoid maintenance fees.
Potential Drawbacks
- Vio Bank's APY of 4.21% is lower than Pibank's 4.60%.
- Vio Bank requires a minimum deposit of $100.
- Vio Bank has a maintenance fee if electronic statements are not selected.
→ As of November 12, 2025 Pibank offers an APY of 4.60% for its Pibank Savings account, with a minimum balance of $0.01, compared to Vio Bank's 4.21% APY for its Online Savings Account, with a minimum balance of $0.
→ Pibank yields $39 more than Vio Bank on a $10,000 balance after one year. Pibank pays $460, while Vio Bank pays $421 - an APY advantage for Pibank.
Calculate Savings Growth for Pibank vs Vio Bank
Pibank - Pibank Savings
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
Total balance: $20,825.8
Earnings: $2,825.8
Bank OverviewVio Bank - Online Savings Account
Total savings breakdown:
- Interest earned: $2,570.8 (12.50%)
- Total contributions: $13,000 (63.20%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,570.80
Total balance: $20,570.8
Earnings: $2,570.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Pibank's total earnings would be $255 higher than Vio Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Pibank's vs Vio Bank's Savings Accounts
| Pibank | Vio Bank | ||
|---|---|---|---|
| Product | Pibank Savings | vs | Online Savings Account |
| APY | 4.60% (as of 11/12/2025) | 4.21% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0 | $100 | |
| Minimum Balance for APY | $0.01 | $0 | |
| Maintenance Fee | $0 | $0, if electronic statements selected, otherwise $5 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 2.4/5 | 4.6/5 | |
| Google Play Rating | 1.8/5 | 3.3/5 | |
| BBB Rating | A | A+ |
No historical data available.