Fitness Bank vs. FNBO Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
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
FNBO Direct
High-Yield Online Savings Account
3.00%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
FNBO Direct
High-Yield Online Savings Account
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 Fitness Bank vs. FNBO Direct
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 3.00%) on all balances
- ✓Offers 2 different high-yield savings options
Why FNBO Direct?
- ✓Higher rated iOS app (4.5 vs 1.7)
- ✓Higher rated Android app (4.8 vs 0.0)
— 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 $300/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $750/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
FNBO DirectFNBO Direct offers an iOS app rated 4.5 (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 $175 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.
Executive Summary
Fitness Bank offers a superior savings product with its Fitness Elite Checking & Fitness Savings Combo, which provides an APY of 4.75%, contingent upon meeting specific requirements such as maintaining a $5,000 average balance and tracking daily steps. In contrast, FNBO Direct's High-Yield Online Savings Account offers a lower APY of 3.00% with no maintenance fees and a minimum deposit of just $1. While Fitness Bank's product requires bundling with a checking account, it yields significantly higher returns compared to FNBO Direct's offerings. Both banks operate online-only and do not mandate direct deposit for their savings accounts.
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.
Top Market Contenders
See who beats both Fitness Bank and FNBO Direct.
| Feature | Fitness Bank | FNBO Direct |
|---|---|---|
| APY | 4.75% Verified: 12/6/2025 Stable (90d) | 3.00% Verified: 12/6/2025 ↘︎ 0.25%90d Change |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | High-Yield Online Savings Account |
| Minimum Deposit | $100 | $1 |
| Min. Balance for APY | $100 | $0.01 |
| Monthly Fee | $10. Waived for average daily balances > $100 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS1.7 Android0.0 | iOS4.5 Android4.8 |
| 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 $1,126.5 more than FNBO Direct.
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
FNBO Direct
High-Yield Online Savings Account
Savings Breakdown
- Interest Earned+$1,798.20(9.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,798.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Fitness Bank | FNBO Direct | |
|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | High-Yield Online Savings Account | |
Current APY | 4.75% | 4.45% | 3.00% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.5 | -1.6 | -8.3 |
Days Since Change | 94 | 94 | 64 |
4-Month High | 5.00% | 4.55% | 3.25% |
4-Month Low | 4.75% | 4.45% | 3.00% |
Adjustments / Mo | 0.44 | 0.44 | 0.22 |
Volatility Score | 0.013 | 0.006 | 0.040 |
How to read these metrics(Click to expand)
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