Fitness Bank vs. Santander 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
Santander Bank
Santander Savings
0.01%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Santander Bank
Santander Savings
Comparison Analysis
Comparing Fitness Bank vs. Santander Bank
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 0.01%) on all balances
- ✓Offers 2 different high-yield savings options
Why Santander Bank?
- ✓Physical branch access (Primarily in the Northeast and Miami, Florida)
- ✓Higher rated iOS app (4.8 vs 1.7)
- ✓Higher rated Android app (4.0 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 $1/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $3/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
Santander BankSantander Bank offers an iOS app rated 4.8 (vs. 1.7) and Android app rated 4.0 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $474 more interest on a $10,000 balance than Santander Bank's Santander Savings.
Executive Summary
Fitness Bank stands out with its Fitness Elite Checking & Fitness Savings Combo, offering a competitive APY of 4.75%, significantly higher than Santander Bank's Savings account, which yields just 0.01%. The Fitness Elite account requires maintaining a $5,000 average balance and making 15 debit card transactions per account period, while the Fitness Savings Account provides a simpler option with a 4.45% APY without bundling or direct deposit requirements. In contrast, Santander Bank's offerings are more basic, featuring a minimum deposit of $25 and a maintenance fee of $1, but no notable APY benefits. Overall, Fitness Bank provides superior returns and options for those meeting the eligibility criteria.
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 Santander Bank.
| Feature | Fitness Bank | Santander Bank |
|---|---|---|
| APY | 4.75% Verified: 12/6/2025 Stable (90d) | 0.01% Verified: 12/6/2025 ↘︎ 0.02%90d Change |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | Santander Savings |
| Minimum Deposit | $100 | $25 |
| Min. Balance for APY | $100 | $0 |
| Monthly Fee | $10. Waived for average daily balances > $100 | $1 |
| 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 | iOS4.8 Android4.0 |
| BBB Rating | A+ | Not Rated |
| 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 $2,919 more than Santander 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
Santander Bank
Santander Savings
Savings Breakdown
- Interest Earned+$5.70(0.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,005.70
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 | Santander Bank | |
|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | Santander Savings | |
Current APY | 4.75% | 4.45% | 0.01% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -4.0 | -1.6 | -0.3 |
Days Since Change | 94 | 94 | 78 |
9-Month High | 5.00% | 4.55% | 0.03% |
9-Month Low | 4.75% | 4.45% | 0.01% |
Adjustments / Mo | 0.23 | 0.23 | 0.11 |
Volatility Score | 0.024 | 0.010 | 0.411 |
How to read these metrics(Click to expand)
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