Chime vs. Fitness Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Chime
Chime High-Yield Savings Account
Up to3.50%APYDec 17, 2025FDIC InsuredDirect Deposit ReqChecking BundleNo MinimumsGreat iOS AppGreat Android AppRange: 1.00% – 3.50%Show Fine Print & Trends Hide Details
Chime
Chime High-Yield Savings Account
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 Chime vs. Fitness Bank
As of Chime offers an APY of 3.50% for its Chime High-Yield Savings Account, with a minimum balance of $0.01, 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 $125 more than Chime on a $10,000 balance after one year. Chime pays $350, 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 Chime?
- ✓Higher rated iOS app (4.8 vs 1.7)
- ✓Higher rated Android app (4.7 vs 0.0)
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 3.50%) 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 $350/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $875/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.45% 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 4.7 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $125 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.
Executive Summary
Fitness Bank offers a superior APY of 4.75% with its Fitness Elite Checking & Fitness Savings Combo, making it the winner in this comparison. This account requires a minimum deposit and balance of $100, and to earn the highest tier APY, users must meet specific activity requirements including maintaining a balance and tracking steps. In contrast, Chime's High-Yield Savings Account provides a lower APY of 3.50% but does not have a minimum deposit requirement, though it does require a qualifying direct deposit of $200 within the preceding 34 days. Both banks operate online only, and Chime is noted for its excellent mobile app experience.
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.
Looking for Simplicity?
Don't want a checking bundle? We track many high-yield banks that offer competitive rates without checking requirements.
Chime vs. Fitness Bank Savings Calculator
You earn $125 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+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
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 | Chime | Fitness Bank |
|---|---|---|
| APY | 3.50% Range: 1.00% - 3.50% Verified: 12/17/2025 ↘︎ 0.25%90d Change | 4.75% Verified: 12/17/2025 Stable (90d) |
| 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 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| 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 | iOS4.8 Android4.7 | iOS1.7 Android0.0 |
| 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 |
📈 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 | 3.50% | 4.75% | 4.45% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 2.1 | -3.9 | -1.6 |
Days Since Change | 62 | 105 | 105 |
9-Month High | 3.75% | 5.00% | 4.55% |
9-Month Low | 2.00% | 4.75% | 4.45% |
Adjustments / Mo | 0.22 | 0.22 | 0.22 |
Volatility Score | 0.105 | 0.024 | 0.011 |
How to read these metrics(Click to expand)
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