Chase Bank vs. Pibank
Chase Bank's Chase Savings℠ pays 0.01% APY while Pibank's Pibank Savings pays 4.10% 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 $409 more than Chase Bank annually ($410 vs $1).
Choose Chase Bank if mobile app quality matters, or you want Zelle for quick transfers. Choose Pibank if getting the best rate matters most.
| Metric | Chase BankChase Savings℠ Sep 7, 2026 | PibankPibank Savings Sep 5, 2026 |
|---|---|---|
| APY | 0.01% | 4.10% |
Earns in a year | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$205 $10,000+$410 $25,000+$1,025 |
Min. Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
Comparison Analysis
Comparing Chase Bank vs. Pibank
Executive Summary
Pibank offers a significantly higher APY of 4.10% on its Pibank Savings account, which is an online-only product with no maintenance fees and no minimum balance requirement. In contrast, Chase Bank's highest yielding product, the Chase Savings℠, provides a minimal APY of 0.01%, with a maintenance fee that can be waived under certain conditions. While Chase has a more robust mobile app experience, Pibank's savings account is better for those seeking higher returns without additional requirements. Overall, Pibank is the clear winner for savers looking for better interest rates.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Chase Bank?
- Higher rated iOS app (4.8 vs 2.1)
- Higher rated Android app (4.8 vs 1.8)
- Offers 4 different high-yield savings options
- Fast transfers via Zelle® (up to $2,000 a day)
Why Pibank?
- Higher potential APY (4.10% vs 0.01%) on all balances
- No checking account or direct deposit required
Key Feature Differences
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $410 vs $1/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1025 vs $3/yr).
Better for Simplicity
PibankPibank's Pibank Savings offers 4.10% APY with no bundling, direct deposit requirement or caps.
Better Mobile App Experience
Chase BankChase Bank offers an iOS app rated 4.8 (vs. 2.1) and Android app rated 4.8 (vs. 1.8)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $409 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
*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
Chase Bank vs. Pibank Savings Calculator
You earn $409 more with Pibank than Chase 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.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Chase Bank | Pibank |
|---|---|---|
| APY | 0.01% Observed: 9/7/2026 Stable over 90 days | 4.10% Observed: 9/5/2026 0.30%90-day change |
| Product Name | Chase Savings℠ | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $5 | $0 |
| Compound Frequency | Monthly | Daily |
| In-Branch Access | Yes | No |
| Account Type | Online & Branches | Online Only |
| Physical Branches | 5,394 (AL, AR, AZ, CA, CO, CT, DC, DE (+41 more)) | Not reported |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. | Not Supported |
| BBB Rating | A- | A+ |
| Important Notes | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | - |
| Next Steps | Visit SiteVerify at Chase Bank Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Chase Bank | Pibank |
|---|---|---|
| Chase Savings℠ | Pibank Savings | |
Current APY | 0.01% | 4.10% |
Trend | Stable | Stable |
Speed of change | 0.00 | -0.03 |
Days Since Change | 363 | 66 |
12-Month High | 0.01% | 4.60% |
12-Month Low | 0.01% | 4.10% |
Changes per month | 0.00 | 0.16 |
Steadiness | 0.000 | 0.014 |
How to read these metrics(Click to expand)
Trends and speed
- Trend: The general direction of the rate over the analyzed period. Useful for seeing whether a bank is raising its rate or letting it slip.
- Speed of change: How fast the rate moves. A high positive number means they raise rates quickly. A reading of 0.10 is a tenth of a percentage point each month.
- Changes per month: How often the rate moves. A high number means it changes constantly; a low number means it holds.
Risk & Range
- High/Low: The absolute ceiling and floor of the rate during the 364-day window.
- Steadiness: How far the rate swings around its average. A lower score means a steadier, more predictable rate.
- Days Since Change: A high number, for example above 90, means the rate rarely moves. A low number means it changed recently.
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More Comparisons
Compare Chase Bank's APY of 0.01% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Chase Bank vs Ally Bank | 3.00% | $0 |
| Chase Bank vs American Express | 3.00% | $0 |
| Chase Bank vs Axos Bank | 4.21% | $0 |
| Chase Bank vs Barclays | 3.65% | $0 |
| Chase Bank vs Capital One | 3.50% | $0 |
| Chase Bank vs Chime | 3.75% | $0 |
| Chase Bank vs CIT Bank | 3.75% | $100 |
| Chase Bank vs EverBank | 3.90% | $0 |
| Chase Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Chase Bank vs Newtek Bank | 4.20% | $100 |
| Chase Bank vs Openbank | 3.80% | $500 |
| Chase Bank vs SoFi Bank | 4.00% | $0 |
| Chase Bank vs Synchrony Bank | 3.30% | $0 |
| Chase Bank vs Varo Bank | 3.75% | $0 |
| Chase Bank vs Wealthfront | 3.95% | $0 |