Discover Bank vs. Fitness Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Discover Bank
Online Savings Account
3.40%APYDec 17, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Discover Bank
Online 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 Discover Bank vs. Fitness Bank
As of Discover Bank offers an APY of 3.40% for its Online 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 $135 more than Discover Bank on a $10,000 balance after one year. Discover Bank pays $340, 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 Discover Bank?
- ✓Higher rated iOS app (4.9 vs 1.7)
- ✓Higher rated Android app (4.8 vs 0.0)
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 3.40%) 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 $340/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $850/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
Discover BankDiscover Bank offers an iOS app rated 4.9 (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 $135 more interest on a $10,000 balance than Discover Bank's Online Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Fitness Bank offers the highest APY of 4.75% with its Fitness Elite Checking & Fitness Savings Combo, making it the winner in this comparison. This account requires maintaining a $5,000 average minimum balance in the Elite Checking account and completing 15 debit card transactions to earn the top rate. Alternatively, the Fitness Savings Account provides a solid APY of 4.45% without the need for bundling or direct deposit. Discover Bank's Online Savings Account follows with a competitive APY of 3.40% and does not require a minimum deposit or balance. Both banks operate online-only, ensuring easy access to their services.
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.
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.
Discover Bank vs. Fitness Bank Savings Calculator
You earn $135 more with Fitness Bank than Discover 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.
Discover Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$340.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,340.00
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 | Discover Bank | Fitness Bank |
|---|---|---|
| APY | 3.40% Verified: 12/17/2025 ↘︎ 0.10%90d Change | 4.75% Verified: 12/17/2025 Stable (90d) |
| Product Name | Online Savings Account | Fitness Elite Checking & Fitness Savings Combo |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $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 | iOS4.9 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 |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Discover Bank | Fitness Bank | |
|---|---|---|---|
| Online Savings Account | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | |
Current APY | 3.40% | 4.75% | 4.45% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.5 | -3.9 | -1.6 |
Days Since Change | 78 | 105 | 105 |
9-Month High | 3.70% | 5.00% | 4.55% |
9-Month Low | 3.40% | 4.75% | 4.45% |
Adjustments / Mo | 0.33 | 0.22 | 0.22 |
Volatility Score | 0.029 | 0.024 | 0.011 |
How to read these metrics(Click to expand)
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