Pibank vs. Wealthfront
Comparing Pibank and Wealthfront for high-yield savings: Pibank's Pibank Savings pays 4.60% APY while Wealthfront's Cash Account pays 3.95% APY (including a 3-month 0.65% promo boost).
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 $114 more than Wealthfront annually ($460 vs $346).
Choose Pibank if getting the best rate matters most, you want a no-strings-attached account, you want to avoid a promo rate with a scheduled drop, or BBB rating matters to you. Choose Wealthfront if mobile app quality matters.
Important Considerations
The key difference? Wealthfront's 3.95% rate includes a promotional bonus for the first 3 months, after which it reverts to the standard rate (currently 3.30%). Pibank's 4.60% rate has no scheduled drop, though all rates are subject to change.
| Metric | PibankPibank Savings Feb 21, 2026 | WealthfrontCash Account Feb 21, 2026 |
|---|---|---|
| APY | 4.60% | 3.30% - 3.95% |
Est. Earnings | $5,000+$230 $10,000+$460 $25,000+$1,150 | $5,000+$173 $10,000+$346 $25,000+$866 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredNo MinimumsDaily CompoundingStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android 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.
Comparison Analysis
Comparing Pibank vs. Wealthfront
Executive Summary
Pibank offers a competitive savings product, the Pibank Savings account, with an APY of 4.60%, making it the winner in this comparison. This account has no minimum deposit or balance requirements, no maintenance fees, and does not require direct deposit. It is also online-only, providing a simple and straightforward savings option. In contrast, Wealthfront's Cash Account has a promotional APY of 3.95% for the first three months, which then drops to 3.30%. While Wealthfront provides a solid mobile app experience, its lower APY makes it a secondary alternative to Pibank's offering.
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 3.95%) on all balances
Why Wealthfront?
- ✓Higher rated iOS app (4.8 vs 2.3)
- ✓Higher rated Android app (4.9 vs 1.7)
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $346/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $866/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
WealthfrontWealthfront offers an iOS app rated 4.8 (vs. 2.3) and Android app rated 4.9 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $114 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet Pibank's standard rate still yields a higher 1-year return.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Pibank vs. Wealthfront Savings Calculator
You earn $112.5 more with Pibank than Wealthfront 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
Wealthfront
Cash Account
Promo Rate: 3.95% for 3 months, then 3.30%.
Savings Breakdown
- Interest Earned+$347.50(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,347.50
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 $345 per year in interest.
Both Pibank and Wealthfront dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Pibank | Wealthfront |
|---|---|---|
| APY | 4.60% Verified: 2/21/2026 Stable (90d) | 3.95% Range: 3.30% - 3.95% Verified: 2/21/2026 ↘︎ 0.20%90d Change |
| Product Name | Pibank Savings | Cash Account |
| Minimum Deposit | $0 | $0 |
| 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 |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | Yes |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A | F |
| Important Notes | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at Pibank Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Pibank | Wealthfront |
|---|---|---|
| Pibank Savings | Cash Account | |
Current APY | 4.60% | 3.95% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -8.6 |
Days Since Change | 100 | 22 |
3-Month High | 4.60% | 4.15% |
3-Month Low | 4.60% | 3.90% |
Adjustments / Mo | 0.00 | 0.60 |
Volatility Score | 0.000 | 0.028 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Pibank vs...
Comparing against Standard Savings
Compare Wealthfront vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.