Pibank, N.A.
Pibank, N.A. Pibank Savings
By Alex Compton · Last verified
Online savings with a variable APY and no minimum opening deposit
Insurance: FDIC insured through Pibank, N.A.; generally $250,000 per depositor, per insured bank, per ownership category
Account Terms History
A dated record of APY, fees and opening requirements. New changes append to this table; prior terms remain visible.
| Observed | APY / yield | Monthly fee | Minimum | Evidence |
|---|---|---|---|---|
| 2026-11-02 | 4.40% variable APY; official offer dated October 21, 2026, checked November 2 | $0 | None | Pibank Savings page, checked November 2, 2026 →Freshness-rotation reconfirmation: Pibank's savings page still advertises 4.40% APY. No change. |
| 2026-10-23 | 4.40% variable APY; official offer dated October 21, 2026, checked October 23 | $0 | None | Official product terms reviewed October 23, 2026 →Scoped review updated the advertised APY to 4.40%, current bank name and transfer description; removed unsupported national-leader, rate-history and ACH-only claims. Full-record date retained. |
| 2026-10-05 | 4.25% (as of October 2026, up from 4.10%) | $0 | None | Archive record · no attached snapshotPreviously published editorial snapshot; not evidence of the bank’s rate-change date. |
Primary-source verification log
Append-only evidence ledger- changed
Scoped review updated the advertised APY to 4.40%, current bank name and transfer description; removed unsupported national-leader, rate-history and ACH-only claims. Full-record date retained.
Fields: bank, tagline, apy, fdic, features, atm, pros, cons, ourTake, bestFor, termHistory
Official savings product terms; scoped review →
Features
- ▸No minimum opening deposit or monthly maintenance fee
- ▸Interest calculated daily and credited monthly
- ▸Earn interest from a $0.01 balance
- ▸Wire transfers supported; Pibank lists no wire fee, but the other bank may charge
- ▸No Bill Pay or Zelle; check deposits are not accepted
Pros
- +No monthly maintenance fee or minimum opening deposit
- +No recurring deposit requirement listed for the advertised APY
- +Wire transfers supported without a Pibank wire fee
Cons
- −Variable rate can change after opening
- −Other banks may charge wire fees
- −No Bill Pay, Zelle or check deposits
Our Take
Pibank is worth comparing for savings you can keep separate from everyday spending. Its current rate has no recurring deposit requirement, but that does not establish future rate stability. Check funding and withdrawal methods before moving your emergency fund, and account for any wire fee charged by your other bank.
Best for: Savers comparing variable rates who can plan around the available transfer methods
Open at Pibank, N.A. →Last verified 2026-11-02
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