Fitness Bank vs. Wealthfront
Comparing Fitness Bank and Wealthfront for high-yield savings: Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays 4.30% APY while Wealthfront's Cash Account pays 4.20% APY (including a 3-month 0.90% promo boost).
Note: Fitness Bank requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Fitness Bank pays $77 more than Wealthfront annually ($430 vs $353).
Choose Fitness Bank if getting the best rate matters most, you want to avoid a promo rate with a scheduled drop, or BBB rating matters to you. Choose Wealthfront if mobile app quality matters.
Important Considerations
The key difference? Wealthfront's 4.20% rate includes a promotional bonus for the first 3 months, after which it reverts to the standard rate (currently 3.30%). Fitness Bank's 4.30% rate has no scheduled drop, though all rates are subject to change.
Fitness Bank requires a checking account to unlock its top savings rate, while Wealthfront offers its savings account standalone.
| Metric | Fitness BankFitness Elite Checking & Fitness Savings Combo May 22, 2026 | WealthfrontCash Account May 22, 2026 |
|---|---|---|
| APY | 4.30% | 3.30% - 4.20% |
Est. Earnings | $5,000+$215 $10,000+$430 $25,000+$1,075 | $5,000+$176 $10,000+$353 $25,000+$881 |
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. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New customers may earn the top rate of 4.20% for 3 months with direct deposit. See terms at Wealthfront. |
| Features | FDIC InsuredLow MinimumsChecking BundleDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
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. Wealthfront
Executive Summary
Fitness Bank offers the Fitness Elite Checking & Fitness Savings Combo, which provides a competitive APY of 4.30%, contingent upon maintaining a balance of $5,000 in the checking account and making 15 debit card transactions per account period, alongside tracking at least 10,000 average daily steps. In contrast, Wealthfront's Cash Account offers a slightly lower APY of 4.20% but does not require any minimum balance or direct deposit to earn this rate. Both accounts are online-only and FDIC-insured, making them accessible options for savers. However, Fitness Bank's product is more rewarding for those who meet the activity requirements.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Fitness Bank?
- ✓Offers 2 different high-yield savings options
Why Wealthfront?
- ✓Higher rated iOS app (4.8 vs 1.7)
- ✓Higher rated Android app (4.9 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. $430 vs $353/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1075 vs $881/yr).
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 4.20% 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
WealthfrontWealthfront offers an iOS app rated 4.8 (vs. 1.7) and Android app rated 4.9 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $78 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet Fitness Bank's standard rate still yields a higher 1-year return.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Fitness Bank vs. Wealthfront Savings Calculator
You earn $75.8 more with Fitness Bank than Wealthfront 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+$430.00(4.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,430.00
Wealthfront
Cash Account
Promo Rate: 4.20% for 3 months, then 3.30%.
Savings Breakdown
- Interest Earned+$354.20(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,354.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $352 per year in interest.
Both Fitness Bank and Wealthfront dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Fitness Bank | Wealthfront |
|---|---|---|
| APY | 4.30% Verified: 5/22/2026 ↘︎ 0.20%90d Change | 4.20% Range: 3.30% - 4.20% Verified: 5/22/2026 ↗︎ 0.25%90d Change |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | Cash Account |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $100 | $0 |
| Monthly Fee | $10. Waived for average daily balances > $100 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | Yes |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | F |
| 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. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New customers may earn the top rate of 4.20% for 3 months with direct deposit. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at Fitness Bank Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Fitness Bank | Wealthfront | |
|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | Cash Account | |
Current APY | 4.30% | 4.00% | 4.20% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -7.4 | -7.4 | 3.3 |
Days Since Change | 17 | 17 | 78 |
6-Month High | 4.75% | 4.45% | 4.20% |
6-Month Low | 4.30% | 4.00% | 3.90% |
Adjustments / Mo | 0.32 | 0.32 | 0.47 |
Volatility Score | 0.033 | 0.035 | 0.032 |
How to read these metrics(Click to expand)
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Compare Fitness Bank's APY of 4.30% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Fitness Bank vs Ally Bank | 3.10% | $0 |
| Fitness Bank vs American Express | 3.10% | $0 |
| Fitness Bank vs Axos Bank | 4.21% | $0 |
| Fitness Bank vs Barclays | 3.75% | $0 |
| Fitness Bank vs Capital One | 3.10% | $0 |
| Fitness Bank vs Chime | 3.00% | $0 |
| Fitness Bank vs CIT Bank | 3.75% | $100 |
| Fitness Bank vs Discover Bank | 3.30% | $0 |
| Fitness Bank vs EverBank | 3.90% | $0 |
| Fitness Bank vs Marcus by Goldman Sachs | 3.50% | $0 |
| Fitness Bank vs Newtek Bank | 4.20% | $0.01 |
| Fitness Bank vs Openbank | 4.00% | $500 |
| Fitness Bank vs Pibank | 4.40% | $0 |
| Fitness Bank vs SoFi Bank | 4.00% | $0 |
| Fitness Bank vs Synchrony Bank | 3.40% | $0 |
| Fitness Bank vs Varo Bank | 5.00% | $0 |