Fitness Bank vs. GO2bank
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
GO2bank
High Yield Savings
Up to4.50%APYDec 6, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppRange: 0.00% – 4.50%Show Fine Print & Trends Hide Details
GO2bank
High Yield Savings
Looking for Simplicity?
Don't want a checking bundle? We track many high-yield banks that offer competitive rates without checking requirements.
Comparison Analysis
Comparing Fitness Bank vs. GO2bank
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 4.50%) on all balances
- ✓Offers 2 different high-yield savings options
Why GO2bank?
- ✓Higher rated iOS app (4.8 vs 1.7)
- ✓Higher rated Android app (4.5 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 $225/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $225/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
GO2bankGO2bank 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 $250 more interest on a $10,000 balance than GO2bank's High Yield Savings.
Executive Summary
Fitness Bank offers a competitive Fitness Elite Checking & Fitness Savings Combo with an APY of 4.75%, which requires maintaining a $5,000 average balance and making 15 debit card transactions to earn the highest rate. Alternatively, their Fitness Savings Account provides a straightforward 4.45% APY without bundling or direct deposit requirements, making it ideal for those seeking simplicity. In comparison, GO2bank's High Yield Savings account offers a slightly lower APY of 4.50%, but it requires a GO2bank checking account to open and limits interest to balances up to $5,000. 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.
Top Market Contenders
See who beats both Fitness Bank and GO2bank.
| Feature | Fitness Bank | GO2bank |
|---|---|---|
| APY | 4.75% Verified: 12/6/2025 Stable (90d) | 4.50% 0Verified: 12/6/2025 Stable (90d) |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | High Yield Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $100 | $0 |
| Monthly Fee | $10. Waived for average daily balances > $100 | $5 per month, unless you set up direct deposit |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | Yes |
| Mobile Apps | iOS1.7 Android0.0 | iOS4.8 Android4.5 |
| BBB Rating | A+ | Not Rated |
| 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. | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest. |
| Next Steps |
Savings Comparison
Fitness Bank earns $1,693.8 more than GO2bank.
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
GO2bank
High Yield Savings
4.50% on first $5,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$1,230.90(6.4%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,230.90
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 | GO2bank | |
|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | High Yield Savings | |
Current APY | 4.75% | 4.45% | 4.50% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.3 | -1.2 | 0.0 |
Days Since Change | 94 | 94 | 121 |
4-Month High | 4.85% | 4.50% | 4.50% |
4-Month Low | 4.75% | 4.45% | 4.50% |
Adjustments / Mo | 0.25 | 0.25 | 0.00 |
Volatility Score | 0.008 | 0.004 | 0.000 |
How to read these metrics(Click to expand)
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