BMO Alto vs. Fitness Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BMO AltoSavings Account Jan 7, 2026 | Fitness BankFitness Elite Checking & Fitness Savings Combo Jan 7, 2026 |
|---|---|---|
| APY | 3.25% | 4.75% |
Est. Earnings | $5,000+$163 $10,000+$325 $25,000+$813 | $5,000+$238 $10,000+$475 $25,000+$1,188 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
Terms | - | This is a tiered account. To earn the highest tier you must make 15 debit card transactions per Account Period, maintain $5,000 avg. minimum balance in the Elite Checking account, track at least 10,000 avg. daily steps using the FitnessBank Step Tracker app, as well as maintain a savings balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers. |
| Features | FDIC InsuredNo Minimums | FDIC InsuredLow MinimumsChecking Bundle |
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 BMO Alto vs. Fitness Bank
As of BMO Alto offers an APY of 3.25% for its Savings Account, with a minimum balance of $0, compared to Fitness Bank's 4.75% APY for its Fitness Elite Checking & Fitness Savings Combo account, with a minimum balance of $100.
Fitness Bank pays $150 more than BMO Alto on a $10,000 balance after one year. BMO Alto pays $325, while Fitness Bank pays $475 - an APY advantage for Fitness Bank.
In addition, Fitness Bank also offers 4.45% APY for the Fitness Savings Account account, with a minimum balance of $100.
Why BMO Alto?
No distinct advantages found vs Fitness Bank.
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 3.25%) on all balances
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo earns more on smaller deposits (approx. $475 vs $325/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $813/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.45% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $150 more interest on a $10,000 balance than BMO Alto's Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Fitness Bank offers a standout product with its Fitness Elite Checking & Fitness Savings Combo, providing a competitive APY of 4.75%, making it the highest-yielding option compared to BMO Alto's Savings Account, which offers 3.25%. However, the Fitness Elite Combo requires maintaining a checking account and meeting specific criteria, such as 15 debit card transactions and tracking daily steps, to earn the top rate. For those seeking simplicity without additional requirements, Fitness Bank's Fitness Savings Account at 4.45% APY is an excellent alternative. In contrast, BMO Alto's account has no direct deposit requirement and is online-only, appealing to those looking for straightforward savings options.
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
Top Market Contenders
BMO Alto vs. Fitness Bank Savings Calculator
You earn $150 more with Fitness Bank than BMO Alto 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.
BMO Alto
Savings Account
Savings Breakdown
- Interest Earned+$325.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,325.00
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$475.00(4.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,475.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | BMO Alto | Fitness Bank |
|---|---|---|
| APY | 3.25% Verified: 1/7/2026 Stable (90d) | 4.75% Verified: 1/7/2026 Stable (90d) |
| Product Name | Savings Account | Fitness Elite Checking & Fitness Savings Combo |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $100 |
| Monthly Fee | $0 | $10. Waived for average daily balances > $100 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS- Android- | iOS1.7 Android0.0 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | - | This is a tiered account. To earn the highest tier you must make 15 debit card transactions per Account Period, maintain $5,000 avg. minimum balance in the Elite Checking account, track at least 10,000 avg. daily steps using the FitnessBank Step Tracker app, as well as maintain a savings balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers. |
| Next Steps | Visit SiteVerify at BMO Alto Non-sponsored link to official site | Visit SiteVerify at Fitness Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BMO Alto | Fitness Bank | |
|---|---|---|---|
| Savings Account | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | |
Current APY | 3.25% | 4.75% | 4.45% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -5.5 | -3.7 | -1.5 |
Days Since Change | 110 | 126 | 126 |
10-Month High | 3.70% | 5.00% | 4.55% |
10-Month Low | 3.25% | 4.75% | 4.45% |
Adjustments / Mo | 0.30 | 0.20 | 0.20 |
Volatility Score | 0.050 | 0.024 | 0.011 |
How to read these metrics(Click to expand)
Compare Similar Alternatives
Compare BMO Alto vs...
Comparing against Standard Savings
Compare Fitness Bank vs...
Comparing against other Bundled Accounts