Chime vs. Fitness Bank
Comparing Chime and Fitness Bank for high-yield savings: Chime's Chime High-Yield Savings Account pays 3.00% APY while Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays 4.50% APY.
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 $150 more than Chime annually ($450 vs $300).
Choose Chime if mobile app quality matters, or choose Fitness Bank if getting the best rate matters most.
Important Considerations
Both banks require a checking account to access their highest savings rates.
| Metric | ChimeChime High-Yield Savings Account Feb 6, 2026 | Fitness BankFitness Elite Checking & Fitness Savings Combo Feb 6, 2026 |
|---|---|---|
| APY | 0.75% - 3.00% | 4.50% |
Est. Earnings | $5,000+$150 $10,000+$300 $25,000+$750 | $5,000+$225 $10,000+$450 $25,000+$1,125 |
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 MinimumsGreat iOS AppGreat Android AppDirect Deposit ReqChecking BundleDaily CompoundingRate Changes Often | FDIC InsuredLow MinimumsChecking BundleDaily CompoundingStable Rate |
Looking for Simplicity?
Don't want a checking bundle? We track many high-yield banks that offer competitive rates without checking requirements.
Comparison Analysis
Comparing Chime vs. Fitness Bank
Executive Summary
Fitness Bank offers a competitive Fitness Savings Account with an APY of 4.20%, significantly higher than Chime's High-Yield Savings Account, which provides an APY of 3.00%. The Fitness Savings Account has no direct deposit requirement and a minimum deposit of $100, making it accessible for new savers. In contrast, Chime requires a qualifying direct deposit of $200 within the last 34 days and has no minimum balance requirement. Both accounts are online-only, but Fitness Bank's account is noted for its simplicity, while Chime is recognized for its mobile app experience. For those seeking higher returns without complex requirements, Fitness Bank stands out as the winner.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Chime?
- ✓Higher rated iOS app (4.8 vs 1.7)
- ✓Higher rated Android app (4.8 vs 0.0)
Why Fitness Bank?
- ✓Higher potential APY (4.20%-4.50% vs 3.00%) 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 $300/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1125 vs $750/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.20% APY with no bundling, direct deposit requirement or caps.
Requires Banking Relationship
Both banks require a checking account bundle to access their highest rates.
Best Mobile App Experience
ChimeChime offers an iOS app rated 4.8 (vs. 1.7) and Android app rated 4.8 (vs. 0.0)
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 Chime's Chime High-Yield Savings Account.
*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
Chime vs. Fitness Bank Savings Calculator
You earn $150 more with Fitness Bank than Chime 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.
Chime
Chime High-Yield Savings Account
Savings Breakdown
- Interest Earned+$300.00(2.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,300.00
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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $299 per year in interest.
Both Chime and Fitness Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Chime | Fitness Bank |
|---|---|---|
| APY | 3.00% Range: 0.75% - 3.00% Verified: 2/6/2026 ↘︎ 0.50%90d Change | 4.50% Verified: 2/6/2026 ↘︎ 0.25%90d Change |
| Product Name | Chime High-Yield Savings Account | Fitness Elite Checking & Fitness Savings Combo |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0.01 | $100 |
| Monthly Fee | $0 | $10. Waived for average daily balances > $100 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | N/A |
| Direct Deposit Req. | RequiredYou need to receive a qualifying direct deposit of $200 or more within the preceding 34 days | None |
| Checking Bundle | Yes | Yes |
| Mobile Apps | ||
| FDIC Insured | Yes | YesVerify FDIC |
| 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 Chime 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 | Chime | Fitness Bank | |
|---|---|---|---|
| Chime High-Yield Savings Account | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | |
Current APY | 3.00% | 4.50% | 4.20% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -0.0 | -3.5 | -1.5 |
Days Since Change | 7 | 3 | 3 |
11-Month High | 3.75% | 5.00% | 4.55% |
11-Month Low | 2.00% | 4.50% | 4.20% |
Adjustments / Mo | 0.28 | 0.28 | 0.28 |
Volatility Score | 0.099 | 0.026 | 0.013 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Chime vs...
Comparing against other Bundled Accounts
Compare Fitness Bank vs...
Comparing against other Bundled Accounts
Simpler Options (No Bundles)
Looking for something different? Check out these top-rated alternatives.
More Comparisons
Compare Chime's APY of 3.00% 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 Chase Bank | 0.01% | $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 |