Fitness Bank vs. Forbright Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Fitness BankFitness Elite Checking & Fitness Savings Combo Jan 7, 2026 | Forbright BankGrowth Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.75% | 4.00% |
Est. Earnings | $5,000+$238 $10,000+$475 $25,000+$1,188 | $5,000+$200 $10,000+$400 $25,000+$1,000 |
Min Deposit | $100 | $0 |
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 InsuredLow MinimumsChecking Bundle | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported |
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. Forbright Bank
As of Fitness Bank offers an APY of 4.75% for its Fitness Elite Checking & Fitness Savings Combo account, with a minimum balance of $100, compared to Forbright Bank's 4.00% APY for its Growth Savings account, with a minimum balance of $0.
Fitness Bank pays $75 more than Forbright Bank on a $10,000 balance after one year. Fitness Bank pays $475, while Forbright Bank pays $400 - 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, while Forbright Bank offers 3.65% APY for the Bright Savings account, with a minimum balance of $250,000.
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 3.65%-4.00%) on all balances
Why Forbright Bank?
- ✓Physical branch access (Locations in the Washington D.C. area (Maryland and Virginia))
- ✓Higher rated iOS app (4.8 vs 1.7)
- ✓Higher rated Android app (4.5 vs 0.0)
- ✓Fast transfers via Zelle®
— 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 $400/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $1000/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
Forbright BankForbright Bank offers an iOS app rated 4.8 (vs. 1.7) and Android app rated 4.5 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $75 more interest on a $10,000 balance than Forbright Bank's Growth Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Fitness Bank offers a competitive Fitness Elite Checking & Fitness Savings Combo with an APY of 4.75%, making it the highest-yielding option between the two banks. This account requires maintaining a balance of $5,000 in the checking account and tracking at least 10,000 average daily steps to earn the top rate. In contrast, Forbright Bank's best product, the Growth Savings account, provides a lower APY of 4.00% with no balance requirements. Additionally, Forbright Bank has a Bright Savings account with a maximum APY of 3.65%, but it requires a minimum balance of $250,000 to achieve that rate. Both banks are online-only, and Fitness Bank's offerings do not require direct deposit.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Fitness Bank vs. Forbright Bank Savings Calculator
You earn $75 more with Fitness Bank than Forbright 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.
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
Forbright Bank
Growth Savings
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Fitness Bank | Forbright Bank |
|---|---|---|
| APY | 4.75% Verified: 1/7/2026 Stable (90d) | 4.00% Verified: 1/7/2026 Stable (90d) |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | Growth Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $100 | $0 |
| 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 | iOS4.8 Android4.5 |
| Zelle® Support | Not Supported | Available Branch accounts only; Growth Savings online does NOT support. |
| 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 Fitness Bank Non-sponsored link to official site | Visit SiteVerify at Forbright Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Fitness Bank | Forbright Bank | |||
|---|---|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | Sprout Savings | Bright Savings | Growth Savings | |
Current APY | 4.75% | 4.45% | 3.65% | 3.65% | 4.00% |
Trend | Stable | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -3.7 | -1.5 | -3.5 | -3.5 | -3.4 |
Days Since Change | 126 | 126 | 98 | 98 | 90 |
10-Month High | 5.00% | 4.55% | 3.90% | 3.90% | 4.25% |
10-Month Low | 4.75% | 4.45% | 3.65% | 3.65% | 4.00% |
Adjustments / Mo | 0.20 | 0.20 | 0.10 | 0.10 | 0.10 |
Volatility Score | 0.024 | 0.011 | 0.032 | 0.032 | 0.029 |
How to read these metrics(Click to expand)
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