Pibank vs. Vio Bank
Comparing Pibank and Vio Bank for high-yield savings: Pibank's Pibank Savings pays 4.60% APY while Vio Bank's Online Savings Account pays 4.03% 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 $57 more than Vio Bank annually ($460 vs $403).
Choose Pibank if getting the best rate matters most, or choose Vio Bank if mobile app quality matters.
| Metric | PibankPibank Savings Feb 21, 2026 | Vio BankOnline Savings Account Feb 21, 2026 |
|---|---|---|
| APY | 4.60% | 4.03% |
Est. Earnings | $5,000+$230 $10,000+$460 $25,000+$1,150 | $5,000+$202 $10,000+$403 $25,000+$1,008 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsDaily CompoundingStable Rate | FDIC InsuredLow MinimumsGreat iOS AppDaily 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.
Executive Summary
Pibank offers a competitive Pibank Savings account with a high APY of 4.60%, making it the winner in this comparison. This account requires no minimum deposit, has no maintenance fees, and does not necessitate direct deposit, providing flexibility for users. In contrast, Vio Bank's Online Savings Account offers a lower APY of 4.03%, with a minimum deposit requirement of $100 and potential maintenance fees unless electronic statements are selected. Both banks provide online-only services, but Pibank stands out for its higher yield and simpler terms.
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 4.03%) on all balances
Why Vio Bank?
- ✓Higher rated iOS app (4.6 vs 2.3)
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $403/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $1008/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $57 more interest on a $10,000 balance than Vio Bank's Online Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Pibank vs. Vio Bank Savings Calculator
You earn $57 more with Pibank than Vio 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
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$403.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,403.00
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 $402 per year in interest.
Both Pibank and Vio Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Pibank | Vio Bank |
|---|---|---|
| APY | 4.60% Verified: 2/21/2026 Stable (90d) | 4.03% Verified: 2/21/2026 ↘︎ 0.13%90d Change |
| Product Name | Pibank Savings | Online Savings Account |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A | A+ |
| Next Steps | Visit SiteVerify at Pibank Non-sponsored link to official site | Visit SiteVerify at Vio Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Pibank | Vio Bank |
|---|---|---|
| Pibank Savings | Online Savings Account | |
Current APY | 4.60% | 4.03% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -6.2 |
Days Since Change | 100 | 8 |
3-Month High | 4.60% | 4.21% |
3-Month Low | 4.60% | 4.02% |
Adjustments / Mo | 0.00 | 1.20 |
Volatility Score | 0.000 | 0.016 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Pibank's APY of 4.60% with other banks
Compare Vio Bank's APY of 4.03% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Vio Bank vs Ally Bank | 3.20% | $0 |
| Vio Bank vs American Express | 3.30% | $0 |
| Vio Bank vs Axos Bank | 4.21% | $0 |
| Vio Bank vs Bank of America | 0.01% | $100 |
| Vio Bank vs Barclays | 3.85% | $0 |
| Vio Bank vs Capital One | 3.30% | $0 |
| Vio Bank vs Chase Bank | 0.01% | $0 |
| Vio Bank vs Chime | 3.00% | $0 |
| Vio Bank vs CIT Bank | 3.75% | $100 |
| Vio Bank vs Citibank | 3.20% | $0 |
| Vio Bank vs Discover Bank | 3.30% | $0 |
| Vio Bank vs EverBank | 3.90% | $0 |
| Vio Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Vio Bank vs Newtek Bank | 4.20% | $0.01 |
| Vio Bank vs Openbank | 4.09% | $500 |
| Vio Bank vs SoFi Bank | 4.00% | $0 |
| Vio Bank vs Synchrony Bank | 3.50% | $0 |
| Vio Bank vs Varo Bank | 5.00% | $0 |
| Vio Bank vs Wealthfront | 3.95% | $0 |
| Vio Bank vs Wells Fargo | 0.05% | $25 |