Fitness Bank vs. PNC
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 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.75% | 3.30% |
Est. Earnings | $5,000+$238 $10,000+$475 $25,000+$1,188 | $5,000+$165 $10,000+$330 $25,000+$825 |
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. | Eligibility restricted to select states. |
| Features | FDIC InsuredLow MinimumsChecking Bundle | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Comparison Analysis
Comparing Fitness Bank vs. PNC
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 PNC's 3.30% APY for its PNC High Yield Savings account, with a minimum balance of $0.
Fitness Bank pays $145 more than PNC on a $10,000 balance after one year. Fitness Bank pays $475, while PNC pays $330 - 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, while PNC offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 3.30%) on all balances
- ✓Offers 2 different high-yield savings options
- ✓Available Nationwide
Why PNC?
- ✓Physical branch access (Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI)
- ✓Higher rated iOS app (4.9 vs 1.7)
- ✓Higher rated Android app (4.6 vs 0.0)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
— 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 $330/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $825/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
PNCPNC offers an iOS app rated 4.9 (vs. 1.7) and Android app rated 4.6 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $145 more interest on a $10,000 balance than PNC's PNC High Yield 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 edge with its Fitness Elite Checking & Fitness Savings Combo, yielding an impressive 4.75% APY, provided customers meet specific activity requirements, including maintaining a $5,000 average balance and making 15 debit card transactions. In contrast, PNC's highest yielding product, the High Yield Savings account, offers a significantly lower APY of 3.30%, with eligibility restricted to select states. While PNC provides a Standard Savings account with a minimal APY of 0.03%, Fitness Bank's offerings are designed for those willing to engage with their fitness tracking app to maximize returns. Both banks have no direct deposit requirements, but Fitness Bank's accounts are online-only, while PNC also has physical branch access.
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. PNC Savings Calculator
You earn $145 more with Fitness Bank than PNC 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
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Fitness Bank | PNC |
|---|---|---|
| APY | 4.75% Verified: 1/7/2026 Stable (90d) | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | PNC High Yield Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $100 | $0 |
| Monthly Fee | $10. Waived for average daily balances > $100 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS1.7 Android0.0 | iOS4.9 Android4.6 |
| Zelle® Support | Not Supported | Available Limit: $2,000/dayCentral to Virtual Wallet suite. |
| 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. | Eligibility restricted to select states. |
| Next Steps | Visit SiteVerify at Fitness Bank Non-sponsored link to official site | Visit SiteVerify at PNC Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Fitness Bank | PNC | ||
|---|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | PNC High Yield Savings | Standard Savings | |
Current APY | 4.75% | 4.45% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -3.7 | -1.5 | -5.9 | 0.2 |
Days Since Change | 126 | 126 | 21 | 251 |
10-Month High | 5.00% | 4.55% | 3.95% | 0.03% |
10-Month Low | 4.75% | 4.45% | 3.30% | 0.01% |
Adjustments / Mo | 0.20 | 0.20 | 0.40 | 0.10 |
Volatility Score | 0.024 | 0.011 | 0.058 | 0.260 |
How to read these metrics(Click to expand)
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