Fitness Bank vs. Pibank
Comparing Fitness Bank and Pibank for high-yield savings: Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays 4.30% APY while Pibank's Pibank Savings pays 4.40% APY.
Note: Fitness Bank requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Pibank pays $10 more than Fitness Bank annually ($440 vs $430).
Choose Pibank if getting the best rate matters most, you want a no-strings-attached account, or you're an Android user.
Important Considerations
Fitness Bank requires a checking account to unlock its top savings rate, while Pibank offers its savings account standalone.
| Metric | Fitness BankFitness Elite Checking & Fitness Savings Combo Jun 5, 2026 | PibankPibank Savings Jun 5, 2026 |
|---|---|---|
| APY | 4.30% | 4.40% |
Est. Earnings | $5,000+$215 $10,000+$430 $25,000+$1,075 | $5,000+$220 $10,000+$440 $25,000+$1,100 |
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 BundleDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
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. Pibank
Executive Summary
Pibank offers a competitive Pibank Savings account with an APY of 4.40%, which is higher than Fitness Bank's top-tier Fitness Elite Checking & Fitness Savings Combo at 4.30%. Pibank's account has no minimum deposit or maintenance fees, making it a straightforward option for savers. In contrast, Fitness Bank requires tracking steps and maintaining higher balances to achieve its top rates. While both accounts are online-only, Pibank's lack of conditions for its APY makes it a more accessible choice for those seeking simplicity. Overall, Pibank is the winner based on the provided data.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Fitness Bank?
- ✓Offers 2 different high-yield savings options
Why Pibank?
- ✓Higher potential APY (4.40% vs 4.00%-4.30%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $440 vs $430/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.40% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $10 more interest on a $10,000 balance than Fitness Bank's Fitness Elite Checking & Fitness Savings Combo.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Fitness Bank vs. Pibank Savings Calculator
You earn $10 more with Pibank than Fitness 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+$430.00(4.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,430.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$440.00(4.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,440.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $429 per year in interest.
Both Fitness Bank and Pibank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Fitness Bank | Pibank |
|---|---|---|
| APY | 4.30% Verified: 6/5/2026 ↘︎ 0.20%90d Change | 4.40% Verified: 6/5/2026 ↘︎ 0.20%90d Change |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | Pibank Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $100 | $0.01 |
| Monthly Fee | $10. Waived for average daily balances > $100 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| 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 Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Fitness Bank | Pibank | |
|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | Pibank Savings | |
Current APY | 4.30% | 4.00% | 4.40% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -5.5 | -4.5 | -1.3 |
Days Since Change | 31 | 31 | 50 |
12-Month High | 5.00% | 4.55% | 4.60% |
12-Month Low | 4.30% | 4.00% | 4.40% |
Adjustments / Mo | 0.33 | 0.33 | 0.08 |
Volatility Score | 0.043 | 0.039 | 0.016 |
How to read these metrics(Click to expand)
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Compare Fitness Bank's APY of 4.30% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Fitness Bank vs Ally Bank | 3.10% | $0 |
| Fitness Bank vs American Express | 3.10% | $0 |
| Fitness Bank vs Axos Bank | 4.21% | $0 |
| Fitness Bank vs Barclays | 3.75% | $0 |
| Fitness Bank vs Capital One | 3.00% | $0 |
| Fitness Bank vs Chime | 3.00% | $0 |
| Fitness Bank vs CIT Bank | 3.75% | $100 |
| Fitness Bank vs Discover Bank | 3.30% | $0 |
| Fitness Bank vs EverBank | 3.90% | $0 |
| Fitness Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Fitness Bank vs Newtek Bank | 4.20% | $0.01 |
| Fitness Bank vs Openbank | 4.00% | $500 |
| Fitness Bank vs SoFi Bank | 3.80% | $0 |
| Fitness Bank vs Synchrony Bank | 3.40% | $0 |
| Fitness Bank vs Varo Bank | 5.00% | $0 |
| Fitness Bank vs Wealthfront | 4.20% | $0 |