Pibank vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | PibankPibank Savings Jan 7, 2026 | WealthfrontCash Account Jan 7, 2026 |
|---|---|---|
| APY | 4.60% | 3.25% - 3.90% |
Est. Earnings | $5,000+$230 $10,000+$460 $25,000+$1,150 | $5,000+$171 $10,000+$341 $25,000+$853 |
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 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredNo Minimums | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
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
As of Pibank offers an APY of 4.60% for its Pibank Savings account, with a minimum balance of $0.01, compared to Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
Pibank pays $119 more than Wealthfront on a $10,000 balance after one year. Pibank pays $460, while Wealthfront pays $341 (with an effective APY of 3.41%) - an APY advantage for Pibank.
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.90%) on all balances
Why Wealthfront?
- ✓Higher rated iOS app (4.8 vs 2.4)
- ✓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 $341/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $853/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. 2.4) and Android app rated 4.9 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $119 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.
Executive Summary as of
Pibank offers a competitive savings product, the Pibank Savings account, with an impressive APY of 4.60%. This account does not require a direct deposit, has no maintenance fees, and is available online only. In contrast, Wealthfront's Cash Account provides a lower APY of 3.90% for the first three months, reverting to 3.25% thereafter, and also does not require direct deposit. While Wealthfront boasts a strong mobile app experience, Pibank's higher APY makes it the more attractive option for savers looking for better returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
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Pibank vs. Wealthfront Savings Calculator
You earn $117.5 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: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$342.50(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,342.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Pibank | Wealthfront |
|---|---|---|
| APY | 4.60% Verified: 1/7/2026 Stable (90d) | 3.90% Range: 3.25% - 3.90% Verified: 1/7/2026 - |
| Product Name | Pibank Savings | Cash Account |
| Minimum Deposit | $0 | $0 |
| 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 | 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 3.90% for 3 months, after which the 3.25% 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% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -19.4 |
Days Since Change | 54 | 19 |
2-Month High | 4.60% | 4.15% |
2-Month Low | 4.60% | 3.90% |
Adjustments / Mo | 0.00 | 0.55 |
Volatility Score | 0.000 | 0.030 |
How to read these metrics(Click to expand)
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