Fitness Bank vs. Pibank
Fitness Bank edges out Pibank slightly at 4.50% vs 4.40% APY. On a $10,000 balance, the difference is just $10 per year—so other factors may matter more.
The Bottom Line
The Fitness Bank and Pibank savings accounts are very similar. Choose Pibank if 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 Apr 21, 2026 | PibankPibank Savings Apr 21, 2026 |
|---|---|---|
| APY | 4.50% | 4.40% |
Est. Earnings | $5,000+$225 $10,000+$450 $25,000+$1,125 | $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 savings product with a 4.40% APY on its Pibank Savings account, which has no minimum deposit or maintenance fees, making it a straightforward choice for savers. In contrast, Fitness Bank provides a higher APY of 4.50% through its Fitness Elite Checking & Fitness Savings Combo, but it requires maintaining a $5,000 average balance in the checking account and making 15 debit card transactions to qualify for the top rate. Both banks operate online only and do not require direct deposit. However, Fitness Bank's account has more complex eligibility criteria, while Pibank is noted for its simplicity.
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?
No distinct advantages found vs Fitness Bank.
— Key Feature Differences —
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, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $10 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.
Non-sponsored link to official site
Non-sponsored link to official site
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Fitness Bank vs. Pibank Savings Calculator
You earn $10 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+$450.00(4.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,450.00
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 $439 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 | 4.50% Verified: 4/21/2026 ↘︎ 0.25%90d Change | 4.40% Verified: 4/21/2026 ↘︎ 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 | 4.50% | 4.20% | 4.40% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -4.7 | -3.2 | -0.2 |
Days Since Change | 77 | 77 | 5 |
12-Month High | 5.00% | 4.55% | 4.60% |
12-Month Low | 4.50% | 4.20% | 4.40% |
Adjustments / Mo | 0.25 | 0.25 | 0.08 |
Volatility Score | 0.037 | 0.029 | 0.006 |
How to read these metrics(Click to expand)
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Compare Fitness Bank's APY of 4.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Fitness Bank vs Ally Bank | 3.10% | $0 |
| Fitness Bank vs American Express | 3.20% | $0 |
| Fitness Bank vs Axos Bank | 4.21% | $0 |
| Fitness Bank vs Barclays | 3.75% | $0 |
| Fitness Bank vs Capital One | 3.20% | $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 | 3.50% | $0 |
| Fitness Bank vs Newtek Bank | 4.20% | $0.01 |
| Fitness Bank vs Openbank | 4.00% | $500 |
| Fitness Bank vs SoFi Bank | 4.00% | $0 |
| Fitness Bank vs Synchrony Bank | 3.40% | $0 |
| Fitness Bank vs Varo Bank | 5.00% | $0 |
| Fitness Bank vs Wealthfront | 4.20% | $0 |