Fitness Bank vs. Wells Fargo
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
Wells Fargo
Platinum Savings
0.05%APYDec 6, 2025FDIC InsuredHigh MinimumChecking BundleGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Wells Fargo
Platinum Savings
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Comparison Analysis
Comparing Fitness Bank vs. Wells Fargo
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 0.01%-0.05%) on all balances
Why Wells Fargo?
- ✓Physical branch access (Wells Fargo offers branches and ATMs in 36 states and Washington, D.C.)
- ✓Higher rated iOS app (4.9 vs 1.7)
- ✓Higher rated Android app (4.8 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 $5/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $13/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
Wells FargoWells Fargo offers an iOS app rated 4.9 (vs. 1.7) and Android app rated 4.8 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $470 more interest on a $10,000 balance than Wells Fargo's Platinum Savings.
Executive Summary
Fitness Bank offers a superior savings option with its Fitness Elite Checking & Fitness Savings Combo, which yields an impressive 4.75% APY, contingent on meeting specific criteria such as maintaining a $5,000 average balance and tracking daily steps. In comparison, Wells Fargo's highest APY is a mere 0.05% available through its Platinum Savings account, but this requires a substantial $1,000,000 balance and linking to a Premier checking account. While Wells Fargo provides a more traditional banking experience, including physical branch access, Fitness Bank's offerings are exclusively online. Overall, Fitness Bank stands out for those who can meet its activity requirements.
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 Wells Fargo.
| Feature | Fitness Bank | Wells Fargo |
|---|---|---|
| APY | 4.75% Verified: 12/6/2025 Stable (90d) | 0.05% Range: 0.05% - 0.05% Verified: 12/6/2025 ↘︎ 2.46%90d Change |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | Platinum Savings |
| Minimum Deposit | $100 | $25 |
| Min. Balance for APY | $100 | $1,000,000 |
| Monthly Fee | $10. Waived for average daily balances > $100 | $12. Waived with $3,500 minimum daily balance. |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | Yes |
| Mobile Apps | iOS1.7 Android0.0 | iOS4.9 Android4.8 |
| BBB Rating | A+ | D- |
| 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. | This is a tiered savings account where rates vary based on the balance. The 0.05% APY is available for balances of $1,000,000 or more, and 0.05% APY up to $99,999.99. These APYs require the account is linked to a Wells Fargo Premier checking account. See bank for more tiers and details. |
| Next Steps |
Savings Comparison
Fitness Bank earns $2,896.1 more than Wells Fargo.
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
Wells Fargo
Platinum Savings
Higher APY requires $1,000,000
Savings Breakdown
- Interest Earned+$28.60(0.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,028.60
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 | Wells Fargo | ||
|---|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | Platinum Savings | Way2Save Savings | |
Current APY | 4.75% | 4.45% | 0.05% | 0.01% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -4.5 | -1.9 | -72.0 | 0.0 |
Days Since Change | 94 | 94 | 50 | 143 |
5-Month High | 5.00% | 4.55% | 2.51% | 0.01% |
5-Month Low | 4.75% | 4.45% | 0.05% | 0.01% |
Adjustments / Mo | 0.42 | 0.42 | 0.63 | 0.00 |
Volatility Score | 0.017 | 0.008 | 0.843 | 0.000 |
How to read these metrics(Click to expand)
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