Chase Bank vs. Fitness Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Chase Bank
Chase Savings℠
0.01%APYDec 17, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Chase Bank
Chase Savings℠
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
4.75%APYDec 17, 2025FDIC InsuredChecking BundleLow MinimumsShow Fine Print & Trends Hide Details
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Comparison Analysis
Comparing Chase Bank vs. Fitness Bank
As of Chase Bank offers an APY of 0.01% for its Chase 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 $474 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, 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 Chase Bank?
- ✓Higher rated iOS app (4.8 vs 1.7)
- ✓Higher rated Android app (4.6 vs 0.0)
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 0.01%) 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 $1/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $3/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.
Best Mobile App Experience
Chase BankChase Bank offers an iOS app rated 4.8 (vs. 1.7) and Android app rated 4.6 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $474 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.
Executive Summary
Fitness Bank offers a standout product with its Fitness Elite Checking & Fitness Savings Combo, which provides an impressive APY of 4.75%. This account requires a minimum deposit and balance of $100, and to achieve the highest APY, users must engage in specific activities, such as making 15 debit card transactions and tracking daily steps. Alternatively, the Fitness Savings Account offers a slightly lower APY of 4.45% with fewer requirements. In contrast, Chase Bank's Chase Savings℠ offers a minimal APY of 0.01% with no direct deposit requirement, but it incurs a maintenance fee unless certain conditions are met. Overall, Fitness Bank clearly outperforms Chase Bank in terms of interest rates.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Chase Bank vs. Fitness Bank Savings Calculator
You earn $474 more with Fitness Bank 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
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 | Chase Bank | Fitness Bank |
|---|---|---|
| APY | 0.01% Verified: 12/17/2025 Stable (90d) | 4.75% Verified: 12/17/2025 Stable (90d) |
| Product Name | Chase Savings℠ | Fitness Elite Checking & Fitness Savings Combo |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $100 |
| Monthly Fee | $5 | $10. Waived for average daily balances > $100 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.8 Android4.6 | iOS1.7 Android0.0 |
| 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. | 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 |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Chase Bank | Fitness Bank | |
|---|---|---|---|
| Chase Savings℠ | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | |
Current APY | 0.01% | 4.75% | 4.45% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -3.9 | -1.6 |
Days Since Change | 275 | 106 | 106 |
9-Month High | 0.01% | 5.00% | 4.55% |
9-Month Low | 0.01% | 4.75% | 4.45% |
Adjustments / Mo | 0.00 | 0.22 | 0.22 |
Volatility Score | 0.000 | 0.024 | 0.011 |
How to read these metrics(Click to expand)
Compare Similar Alternatives
Compare Chase Bank vs...
Comparing against Standard Savings
Compare Fitness Bank vs...
Comparing against other Bundled Accounts