Fitness Bank vs. My Banking Direct
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 | My Banking DirectHigh Yield Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.75% | 4.02% |
Est. Earnings | $5,000+$238 $10,000+$475 $25,000+$1,188 | $5,000+$201 $10,000+$402 $25,000+$1,005 |
Min Deposit | $100 | $500 |
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 InsuredLow 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. My Banking Direct
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 My Banking Direct's 4.02% APY for its High Yield Savings Account, with a minimum balance of $1.
Fitness Bank pays $73 more than My Banking Direct on a $10,000 balance after one year. Fitness Bank pays $475, while My Banking Direct pays $402 - 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 Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 4.02%) on all balances
- ✓Offers 2 different high-yield savings options
Why My Banking Direct?
- ✓Higher rated iOS app (4.7 vs 1.7)
- ✓Higher rated Android app (4.3 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 $402/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $1005/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
My Banking DirectMy Banking Direct offers an iOS app rated 4.7 (vs. 1.7) and Android app rated 4.3 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $73 more interest on a $10,000 balance than My Banking Direct's High Yield Savings Account.
*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 top choice for those willing to meet specific requirements, such as maintaining a $5,000 average balance and making 15 debit card transactions. Alternatively, their Fitness Savings Account provides a simpler option with a 4.45% APY, requiring no bundling or direct deposit. In contrast, My Banking Direct's High Yield Savings Account offers a lower APY of 4.02% with no maintenance fees and a minimum deposit of $500. Both banks operate online only, with Fitness Bank's accounts requiring tracking of daily steps for the highest APY.
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. My Banking Direct Savings Calculator
You earn $73 more with Fitness Bank than My Banking Direct 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
My Banking Direct
High Yield Savings Account
Savings Breakdown
- Interest Earned+$402.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,402.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Fitness Bank | My Banking Direct |
|---|---|---|
| APY | 4.75% Verified: 1/7/2026 Stable (90d) | 4.02% Verified: 1/7/2026 ↘︎ 0.18%90d Change |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | High Yield Savings Account |
| Minimum Deposit | $100 | $500 |
| Min. Balance for APY | $100 | $1 |
| 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 | iOS4.7 Android4.3 |
| Zelle® Support | Not Supported | Available Uses Flagstar/NYCB parent infrastructure. |
| BBB Rating | A+ | F |
| 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 My Banking Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Fitness Bank | My Banking Direct | |
|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | High Yield Savings Account | |
Current APY | 4.75% | 4.45% | 4.02% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.7 | -1.5 | -4.4 |
Days Since Change | 126 | 126 | 53 |
10-Month High | 5.00% | 4.55% | 4.40% |
10-Month Low | 4.75% | 4.45% | 4.02% |
Adjustments / Mo | 0.20 | 0.20 | 0.40 |
Volatility Score | 0.024 | 0.011 | 0.033 |
How to read these metrics(Click to expand)
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