Fitness Bank vs. Presidential Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Fitness Bank vs. Presidential Bank
Key Metrics at a Glance
| Feature | Fitness Bank | Presidential Bank |
|---|---|---|
| Top Savings APY | 4.75% Fitness Elite Checking & Fitness Savings Combo | 4.25% Advantage Savings |
| Minimum to Open | $100 | $5,000 |
| Minimum Balance for Top APY | $100 | N/A |
| Note | 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. |
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.75% for its Fitness Elite Checking & Fitness Savings Combo.
- Fitness Bank has an A+ BBB rating, indicating strong trustworthiness.
- No direct deposit requirement for Fitness Bank accounts allows for easier access.
Potential Drawbacks
- Fitness Bank has low App Store rating of 1.7 and Google Play rating of 0.0.
- Fitness Bank charges a $10 maintenance fee unless certain conditions are met.
- Fitness Bank's APY is contingent on maintaining specific conditions, making it less straightforward.
Presidential Bank
Strengths
- Presidential Bank has 10 physical branch locations, providing in-person banking options.
- Presidential Bank offers a competitive APY of 4.25%, which is higher than its previous 4.50%.
- Presidential Bank has strong App Store rating of 4.8 and Google Play rating of 4.1.
Potential Drawbacks
- Presidential Bank requires a $5,000 minimum deposit for its Advantage Savings account.
- To earn the higher APY, a monthly direct deposit of $500 into an Advantage Checking Account is necessary.
- Presidential Bank has a lower BBB rating of A- and is not BBB accredited.
Summary: Fitness Bank provides a higher APY of 4.75% with no direct deposit requirement, but has low app ratings and tiered conditions. In contrast, Presidential Bank offers a lower APY of 4.25% with a direct deposit requirement and a higher minimum deposit, but benefits from strong app ratings and physical branches. Fitness Bank's A+ BBB rating contrasts with Presidential Bank's A- rating and lack of accreditation.
→ As of November 12, 2025 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 Presidential Bank's 4.25% APY for its Advantage Savings account, with a minimum balance of N/A.
→ Fitness Bank yields $50 more than Presidential Bank on a $10,000 balance after one year. Fitness Bank pays $475, while Presidential Bank pays $425 - an APY advantage for Fitness Bank.
→ In addition, Fitness Bank also offers 4.45% APY for the Fitness Savings Account account.
Calculate Savings Growth for Fitness Bank vs Presidential Bank
All calculations are based on APY.
Fitness Bank - Fitness Elite Checking & Fitness Savings Combo
Top APY: 4.75%
Total savings breakdown:
- Interest earned: $2,924.7 (13.98%)
- Total contributions: $13,000 (62.13%)
- Initial deposit: $5,000 (23.90%)
Your total balance
$20,924.70
Effective APY: 4.75% (based on your deposit and contributions)
Total balance: $20,924.7
Earnings: $2,924.7
Bank OverviewPresidential Bank - Advantage Savings
Top APY: 4.25%
Total savings breakdown:
- Interest earned: $2,596.8 (12.61%)
- Total contributions: $13,000 (63.12%)
- Initial deposit: $5,000 (24.28%)
Your total balance
$20,596.80
Effective APY: 4.25% (based on your deposit and contributions)
Total balance: $20,596.8
Earnings: $2,596.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Fitness Bank's total earnings would be $327.9 higher than Presidential Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Fitness Bank's vs Presidential Bank's Savings Accounts
| Fitness Bank | Presidential Bank | |||
|---|---|---|---|---|
| Product | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | vs | Advantage Savings |
| APY | 4.45% (as of 11/12/2025) | 4.75% (as of 11/12/2025) | 3.75% - 4.25% (as of 11/12/2025) | |
| Bundled Account | No | Yes | Yes | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | No | |
| Compound Frequency | Daily | Daily | Monthly | |
| Minimum Deposit | $100 | $100 | $5,000 | |
| Minimum Balance for APY | $100 | $100 | N/A | |
| Maintenance Fee | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 | $0 | |
| Direct Deposit Required | No | No | Yes. To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. | |
| Note | This is a tiered account. To earn the highest tier you must track at least 12,500 avg. daily steps using the FitnessBank Step Tracker app as well as maintain a balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers. | 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. | ||
| App Store Rating | 1.7/5 | 4.8/5 | ||
| Google Play Rating | No | 4.1/5 | ||
| BBB Rating | A+ | A- | ||
Comparative Historical APY Insights (Last 8 Months)
| Fitness Bank | Presidential Bank | |||
|---|---|---|---|---|
| Product | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | vs | Advantage Savings |
| Latest APY | 4.75 % | 4.45 % | 4.25 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -4.2 | -1.7 | -0.7 | |
| Rate Changes / Mo | 0.25 | 0.25 | 0.12 | |
| Days Since Last Change | 71 | 71 | 7 | |
| High (-8 m) | 5.00 % | 4.55 % | 4.50 % | |
| Low (-8 m) | 4.75 % | 4.45 % | 4.25 % | |
| Draw-down from High | -5.0 % | -2.2 % | -5.6 % | |
| Volatility (CV) | 0.023 | 0.010 | 0.011 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-8 m)
- Highest APY in the last 242 days.
- Low (-8 m)
- Lowest APY in the last 242 days.
- Draw-down from High
- How far today sits below the 8-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.