Chase Bank vs. Fitness Bank
Comparing Chase Bank and Fitness Bank for savings: Chase Bank's Chase Savings℠ pays 0.01% APY while Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays 4.50% APY.
Note: Fitness Bank requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Fitness Bank pays $449 more than Chase Bank annually ($450 vs $1).
Choose Chase Bank if you want a no-strings-attached account, you value in-person banking, mobile app quality matters, or you want Zelle for quick transfers. Choose Fitness Bank if getting the best rate matters most.
Important Considerations
Fitness Bank requires a checking account to unlock its top savings rate, while Chase Bank offers its savings account standalone.
| Metric | Chase BankChase Savings℠ Feb 6, 2026 | Fitness BankFitness Elite Checking & Fitness Savings Combo Feb 6, 2026 |
|---|---|---|
| APY | 0.01% | 4.50% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$225 $10,000+$450 $25,000+$1,125 |
Min Deposit | $0 | $100 |
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. | 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 MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate | FDIC InsuredLow MinimumsChecking BundleDaily CompoundingStable Rate |
Comparison Analysis
Comparing Chase Bank vs. Fitness Bank
Executive Summary
Fitness Bank offers a standout Fitness Savings Account with an impressive APY of 4.20%, significantly higher than Chase Bank's Chase Savings℠, which provides only 0.01% APY. Fitness Bank's account does not require direct deposit and has a minimum deposit of $100, with a maintenance fee waived for average daily balances over $100. In contrast, Chase Bank's account has a $5 maintenance fee that can also be waived under certain conditions. While Chase Bank is known for its mobile app experience, Fitness Bank provides better returns and simplicity, making it the clear choice for savers seeking higher yields.
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?
- ✓Physical branch access (Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii.)
- ✓Higher rated iOS app (4.8 vs 1.7)
- ✓Higher rated Android app (4.7 vs 0.0)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
Why Fitness Bank?
- ✓Higher potential APY (4.20%-4.50% 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. $450 vs $1/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1125 vs $3/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.20% 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 4.7 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $449 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. Fitness Bank Savings Calculator
You earn $449 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+$450.00(4.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,450.00
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: 2/6/2026 Stable (90d) | 4.50% Verified: 2/6/2026 ↘︎ 0.25%90d Change |
| 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 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii. | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC 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. | 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 Chase Bank 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 | Chase Bank | Fitness Bank | |
|---|---|---|---|
| Chase Savings℠ | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | |
Current APY | 0.01% | 4.50% | 4.20% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -0.0 | -3.5 | -1.5 |
Days Since Change | 326 | 3 | 3 |
11-Month High | 0.01% | 5.00% | 4.55% |
11-Month Low | 0.01% | 4.50% | 4.20% |
Adjustments / Mo | 0.00 | 0.28 | 0.28 |
Volatility Score | 0.000 | 0.026 | 0.013 |
How to read these metrics(Click to expand)
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Compare Chase Bank's APY of 0.01% with other banks
Compare Fitness Bank's APY of 4.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Fitness Bank vs Ally Bank | 3.30% | $0 |
| Fitness Bank vs American Express | 3.30% | $0 |
| Fitness Bank vs Axos Bank | 4.21% | $0 |
| Fitness Bank vs Bank of America | 0.01% | $100 |
| Fitness Bank vs Barclays | 4.00% | $0 |
| Fitness Bank vs Capital One | 3.30% | $0 |
| Fitness Bank vs Chime | 3.00% | $0 |
| Fitness Bank vs CIT Bank | 3.75% | $100 |
| Fitness Bank vs Citibank | 3.20% | $0 |
| Fitness Bank vs Discover Bank | 3.30% | $0 |
| Fitness Bank vs EverBank | 3.90% | $0 |
| Fitness Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Fitness Bank vs Newtek Bank | 4.20% | $0.01 |
| Fitness Bank vs Openbank | 4.09% | $500 |
| Fitness Bank vs Pibank | 4.60% | $0 |
| Fitness Bank vs SoFi Bank | 4.00% | $0 |
| Fitness Bank vs Synchrony Bank | 3.50% | $0 |
| Fitness Bank vs Varo Bank | 5.00% | $0 |
| Fitness Bank vs Wealthfront | 3.95% | $0 |
| Fitness Bank vs Wells Fargo | 0.05% | $25 |