Fitness Bank vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Fitness BankFitness Elite Checking & Fitness Savings Combo Jan 21, 2026 | PibankPibank Savings Jan 21, 2026 |
|---|---|---|
| APY | 4.75% | 4.60% |
Est. Earnings | $5,000+$238 $10,000+$475 $25,000+$1,188 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
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 Minimums |
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
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 Pibank's 4.60% APY for its Pibank Savings account, with a minimum balance of $0.01.
Fitness Bank pays $15 more than Pibank on a $10,000 balance after one year. Fitness Bank pays $475, while Pibank pays $460 - 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 4.60%) on all balances
- ✓Offers 2 different high-yield savings options
Why Pibank?
No distinct advantages found vs Fitness Bank.
— 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 $460/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $1150/yr).
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.
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $15 more interest on a $10,000 balance than Pibank's Pibank 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 standout option compared to Pibank's savings account, which has an APY of 4.60%. To achieve the highest APY with Fitness Bank, customers must meet certain conditions, including maintaining a balance and tracking daily steps. In contrast, Pibank's savings account has no minimum balance requirement and no maintenance fees, making it accessible for those looking for simplicity. Both banks operate online only, with Fitness Bank requiring a checking account for the best rates.
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. Pibank Savings Calculator
You earn $15 more with Fitness Bank than Pibank 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
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Fitness Bank | Pibank |
|---|---|---|
| APY | 4.75% Verified: 1/21/2026 Stable (90d) | 4.60% Verified: 1/21/2026 Stable (90d) |
| 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 |
| 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 | iOS2.3 Android1.7 |
| 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 | 4.75% | 4.45% | 4.60% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.5 | -1.4 | 0.0 |
Days Since Change | 140 | 140 | 310 |
10-Month High | 5.00% | 4.55% | 4.60% |
10-Month Low | 4.75% | 4.45% | 4.60% |
Adjustments / Mo | 0.19 | 0.19 | 0.00 |
Volatility Score | 0.024 | 0.011 | 0.000 |
How to read these metrics(Click to expand)
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