Citizens Access™ vs. Fitness Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Citizens Access™
Citizens Access® Savings
3.35%APYDec 5, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® Savings
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
4.75%APYDec 6, 2025FDIC InsuredChecking BundleLow MinimumsShow Fine Print & Trends Hide Details
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
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 Citizens Access™ vs. Fitness Bank
Why Citizens Access™?
- ✓Higher rated iOS app (4.8 vs 1.7)
- ✓Higher rated Android app (4.8 vs 0.0)
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 3.35%) 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 $335/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $838/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
Citizens Access™Citizens Access™ 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 $140 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
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 product requires maintaining a $5,000 average balance and completing 15 debit card transactions to earn the highest rate, alongside tracking daily steps. Alternatively, their Fitness Savings Account provides a solid 4.45% APY without bundling or direct deposit requirements, appealing for simplicity. Citizens Access™ offers a competitive 3.35% APY on its Citizens Access® Savings account with no minimum balance and no maintenance fees, but it falls short compared to Fitness Bank's offerings. Both banks operate online only.
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.
| Feature | Citizens Access™ | Fitness Bank |
|---|---|---|
| APY | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change | 4.75% Verified: 12/6/2025 Stable (90d) |
| Product Name | Citizens Access® Savings | Fitness Elite Checking & Fitness Savings Combo |
| Minimum Deposit | $0.01 | $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. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.8 Android4.8 | 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 |
Savings Comparison
Fitness Bank earns $905.9 more than Citizens Access™.
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$2,018.80(10.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,018.80
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$2,924.70(14.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,924.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | Fitness Bank | |
|---|---|---|---|
| Citizens Access® Savings | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | |
Current APY | 3.35% | 4.75% | 4.45% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -4.7 | -4.0 | -1.6 |
Days Since Change | 37 | 94 | 94 |
9-Month High | 3.70% | 5.00% | 4.55% |
9-Month Low | 3.35% | 4.75% | 4.45% |
Adjustments / Mo | 0.23 | 0.23 | 0.23 |
Volatility Score | 0.038 | 0.024 | 0.010 |
How to read these metrics(Click to expand)
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