Fitness Bank vs. Vio Bank
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 | Vio BankOnline Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.75% | 4.09% |
Est. Earnings | $5,000+$238 $10,000+$475 $25,000+$1,188 | $5,000+$205 $10,000+$409 $25,000+$1,023 |
Min Deposit | $100 | $100 |
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 Bundle | FDIC InsuredLow MinimumsGreat iOS App |
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. Vio Bank
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 Vio Bank's 4.09% APY for its Online Savings Account, with a minimum balance of $0.
Fitness Bank pays $66 more than Vio Bank on a $10,000 balance after one year. Fitness Bank pays $475, while Vio Bank pays $409 - 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.
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 4.09%) on all balances
- ✓Offers 2 different high-yield savings options
Why Vio Bank?
- ✓Higher rated iOS app (4.6 vs 1.7)
— 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 $409/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $1023/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.
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $66 more interest on a $10,000 balance than Vio Bank's Online Savings Account.
*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 Fitness Elite Checking & Fitness Savings Combo with an APY of 4.75%, making it the highest-yielding option compared to Vio Bank's Online Savings Account, which offers an APY of 4.09%. Fitness Bank's combo account requires maintaining an average balance of $5,000 in the checking account and tracking daily steps to achieve the highest APY, while its simpler Fitness Savings Account provides a 4.45% APY without such requirements. In contrast, Vio Bank's account has no maintenance fees if electronic statements are selected, but it offers a lower yield. Both banks operate online only.
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. Vio Bank Savings Calculator
You earn $66 more with Fitness Bank than Vio Bank 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
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$409.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,409.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Fitness Bank | Vio Bank |
|---|---|---|
| APY | 4.75% Verified: 1/7/2026 Stable (90d) | 4.09% Verified: 1/7/2026 - |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | Online Savings Account |
| Minimum Deposit | $100 | $100 |
| Min. Balance for APY | $100 | $0 |
| Monthly Fee | $10. Waived for average daily balances > $100 | $0, if electronic statements selected, otherwise $5 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS1.7 Android0.0 | iOS4.6 Android3.4 |
| 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 Vio Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Fitness Bank | Vio Bank | |
|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | Online Savings Account | |
Current APY | 4.75% | 4.45% | 4.09% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -0.0 | -2.7 |
Days Since Change | 55 | 55 | 1 |
2-Month High | 4.75% | 4.45% | 4.21% |
2-Month Low | 4.75% | 4.45% | 4.09% |
Adjustments / Mo | 0.00 | 0.00 | 1.07 |
Volatility Score | 0.000 | 0.000 | 0.005 |
How to read these metrics(Click to expand)
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