Fitness Bank vs. Presidential Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
4.75%APYDec 6, 2025FDIC InsuredChecking BundleLow MinimumsShow Fine Print & Trends Hide Details
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Presidential Bank
Advantage Savings
Up to4.00%APYDec 6, 2025FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person AccessRange: 3.50% – 4.00%Show Fine Print & Trends Hide Details
Presidential Bank
Advantage Savings
Looking for Simplicity?
Don't want a checking bundle? We track many high-yield banks that offer competitive rates without checking requirements.
Comparison Analysis
Comparing Fitness Bank vs. Presidential Bank
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 4.00%) on all balances
- ✓Offers 2 different high-yield savings options
Why Presidential Bank?
- ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
- ✓Higher rated iOS app (4.8 vs 1.7)
- ✓Higher rated Android app (4.1 vs 0.0)
— 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 $400/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $1000/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.45% APY with no bundling, direct deposit requirement or caps.
Requires Banking Relationship
Both banks require a checking account bundle to access their highest rates.
Best Mobile App Experience
Presidential BankPresidential Bank offers an iOS app rated 4.8 (vs. 1.7) and Android app rated 4.1 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $75 more interest on a $10,000 balance than Presidential Bank's Advantage Savings.
Executive Summary
Fitness Bank offers a competitive Fitness Elite Checking & Fitness Savings Combo with an APY of 4.75%, requiring a combination of debit card transactions, average balance maintenance, and step tracking to achieve this rate. In contrast, Presidential Bank's Advantage Savings account provides a lower APY of 4.00%, which necessitates a monthly direct deposit of $500 into an Advantage Checking Account to earn the higher rate. While both banks have unique features, Fitness Bank stands out with a higher APY and no direct deposit requirement for its simpler Fitness Savings Account, which offers 4.45% APY. Both accounts are online-only, with Fitness Bank focusing on fitness tracking for higher returns.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Fitness Bank and Presidential Bank.
| Feature | Fitness Bank | Presidential Bank |
|---|---|---|
| APY | 4.75% Verified: 12/6/2025 Stable (90d) | 4.00% Range: 3.50% - 4.00% Verified: 12/6/2025 ↘︎ 0.50%90d Change |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | Advantage Savings |
| Minimum Deposit | $100 | $5,000 |
| Min. Balance for APY | $100 | N/A |
| Monthly Fee | $10. Waived for average daily balances > $100 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. |
| Checking Bundle | Yes | Yes |
| Mobile Apps | iOS1.7 Android0.0 | iOS4.8 Android4.1 |
| 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 |
Savings Comparison
Fitness Bank earns $490 more than Presidential Bank.
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$2,924.70(14.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,924.70
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$2,434.70(11.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,434.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Fitness Bank | Presidential Bank | |
|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | Advantage Savings | |
Current APY | 4.75% | 4.45% | 4.00% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -4.0 | -1.6 | -3.2 |
Days Since Change | 94 | 94 | 15 |
9-Month High | 5.00% | 4.55% | 4.50% |
9-Month Low | 4.75% | 4.45% | 4.00% |
Adjustments / Mo | 0.23 | 0.23 | 0.23 |
Volatility Score | 0.024 | 0.010 | 0.033 |
How to read these metrics(Click to expand)
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