Bundled High-Yield Savings & Checking Accounts
Here you'll find FDIC-insured banks offering high-yield savings accounts with:- 💰 Competitive APYs on savings when bundled with checking
- 📅 Typically requiring direct deposits or monthly activity
- 🏦 The convenience of managing both accounts together
Top Savings & Checking Combos on August 15, 2025
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1. Fitness Bank
Savings Account: Fitness Elite Checking & Fitness Savings Combo
Top APY: 4.85%
Minimum Deposit: $100
Minimum Balance for APY: $100
| Feature | Details |
|---|---|
| APY: | 4.85% (8/15/2025) |
| APY Trend: | ↘︎ -0.15% MoM |
| 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. |
| Maintenance Fee: | $10. Waived for average daily balances > $100 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 1.7/5 Google Play Rating: N/A |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 29510) |
| Affiliation: | FitnessBank is a division of Affinity Bank (formerly Atlanta Business Bank). Newton Federal is also a division of Affinity Bank and the same company. Affinity Bancshares INC (Nasdaq: AFBI) serves as the holding company |
| Better Business Bureau (BBB): | BBB Rating: A+ |
Calculate Savings for Fitness Bank
Fitness Elite Checking & Fitness Savings Combo (APY: 4.85%)
Total savings breakdown:
- Interest earned: $1,922.1 (12.07%)
- Total contributions: $13,000 (81.65%)
- Initial deposit: $1,000 (6.28%)
Your total balance
$15,922.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
2. Presidential Bank
Savings Account: Advantage Savings
Top APY: 4.50%
Minimum Deposit: $5,000
Minimum Balance for APY: N/A
| Feature | Details |
|---|---|
| APY: | 4.00% - 4.50% (8/15/2025) |
| APY Trend: | → Stable for the last quarter |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.2/5 |
| Bundled: | Yes |
| Direct Deposit Required: | Yes. To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 32363) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: B- Not BBB Accredited |
| Branches: | 10 locations in Maryland, Virginia and Washington D.C. |
Calculate Savings for Presidential Bank
Advantage Savings (APY: 4.00% ⎼ 4.50%)
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
3. Axos Bank
Savings Account: Axos ONE
Top APY: 4.46%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.46% (8/15/2025) |
| APY Trend: | ↘︎ -0.20% MoM |
| Note: | This APY is only available with the Axos ONE savings and checking bundle. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.7/5 Google Play Rating: 4.4/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No. Not required, but is the easiest way to earn the highest APY. |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 35546) |
| Affiliation: | Holding company of Axos Financial, Inc. (NYSE: AX) |
| Better Business Bureau (BBB): | BBB Rating: A+ BBB Accredited |
| Branches: | None |
Calculate Savings for Axos Bank
Axos ONE (APY: 4.46%)
Total savings breakdown:
- Interest earned: $1,758.7 (11.16%)
- Total contributions: $13,000 (82.49%)
- Initial deposit: $1,000 (6.35%)
Your total balance
$15,758.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
4. ROGER
Savings Account: ROGER Savings
Top APY: 4.12%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.12% (8/15/2025) |
| APY Trend: | ↘︎ -0.53% QoQ |
| Note: | The 4.12% APY is for balances up to $250,000, while higher balances earn no interest. You need a ROGER Checking account to open. While designed for military members and their families, ROGER is open to all. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.9/5 Google Play Rating: 4.7/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 4084) |
| Affiliation: | ROGER is a registered trademark of Citizens Bank of Edmond |
| Better Business Bureau (BBB): | BBB Rating: A+ |
Calculate Savings for ROGER
ROGER Savings (APY: 4.12%)
Total savings breakdown:
- Interest earned: $1,617.6 (10.36%)
- Total contributions: $13,000 (83.24%)
- Initial deposit: $1,000 (6.40%)
Your total balance
$15,617.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
5. SoFi Bank
Savings Account: SoFi Savings
Top APY: 3.80%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 3.80% (8/15/2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | The 3.80% APY requires either a direct deposit of regular income (of any amount) or a Qualifying Deposit of $5,000 for any 30-day period. The savings account comes bundled with a checking account. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.4/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No. Without direct deposit or "Qualifying Deposits" the APY will be significantly lower |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 26881) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: A+ |
Calculate Savings for SoFi Bank
SoFi Savings (APY: 3.80%)
Total savings breakdown:
- Interest earned: $1,485.9 (9.60%)
- Total contributions: $13,000 (83.95%)
- Initial deposit: $1,000 (6.46%)
Your total balance
$15,485.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
6. Chime
Savings Account: Chime Savings Account
Top APY: 3.75%
Minimum Deposit: $0
Minimum Balance for APY: $0.01
| Feature | Details |
|---|---|
| APY: | 1.25% - 3.75% (8/15/2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. To open a savings account you must first open a checking account. To qualify for Chime+ with the 3.75% APY, you must have a Chime Checking account and receive a direct deposit of at least $200. Otherwise, the APY is 1.25%. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.7/5 |
| Bundled: | Yes |
| Direct Deposit Required: | Yes. You need to receive a qualifying direct deposit of $200 or more within the preceding 34 days |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: B |
Calculate Savings for Chime
Chime Savings Account (APY: 1.25% ⎼ 3.75%)
Total savings breakdown:
- Interest earned: $1,465.4 (9.48%)
- Total contributions: $13,000 (84.06%)
- Initial deposit: $1,000 (6.47%)
Your total balance
$15,465.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
7. TD Bank
Savings Account: TD Signature Savings
Top APY: 3.00%
Minimum Deposit: $0
Minimum Balance for APY: $100,000
| Feature | Details |
|---|---|
| APY: | 0.05% - 3.00% (8/15/2025) |
| APY Trend: | ↘︎ -0.25% QoQ |
| Note: | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 3.00% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY. |
| Maintenance Fee: | $10. Waived under some circumstances. |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.0/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 33947) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: C- |
Calculate Savings for TD Bank
TD Signature Savings (APY: 0.05% ⎼ 3.00%)
⚠️ The minimum balance for the higher APY on this account is $100,000.
Total savings breakdown:
- Interest earned: $18.6 (0.13%)
- Total contributions: $13,000 (92.73%)
- Initial deposit: $1,000 (7.13%)
Your total balance
$14,018.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
8. Wells Fargo
Savings Account: Platinum Savings
Top APY: 2.51%
Minimum Deposit: $25
Minimum Balance for APY: $1,000,000
| Feature | Details |
|---|---|
| APY: | 0.05% - 2.51% (8/15/2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | This is a tiered savings account where rates vary based on the balance. The 2.51% 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. |
| Maintenance Fee: | $12. Waived with $3,500 minimum daily balance. |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.9/5 Google Play Rating: 4.8/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 3511) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: F Not BBB Accredited |
| Branches: | Wells Fargo offers branches and ATMs in 36 states and Washington, D.C. |
Calculate Savings for Wells Fargo
Platinum Savings (APY: 0.05% ⎼ 2.51%)
⚠️ The minimum balance for the higher APY on this account is $1,000,000.
Total savings breakdown:
- Interest earned: $18.6 (0.13%)
- Total contributions: $13,000 (92.73%)
- Initial deposit: $1,000 (7.13%)
Your total balance
$14,018.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.