Fitness Bank 5% APY When You Have An Average Of 12,500+ Steps A Day

Update 11/16/23: There’s now a referral bonus for signing up

Update 1/17/23:  4.25% for savings and 5.00% for checking up to $25k

Update 10/3/22: Top rate increased to 3.6%

Update 4/6/20: Rate reduced to 1.9%

Update 3/9/20: Rate has decreased to 2.1% APY

Update 11/25/19: Rate will decrease to 2.3% APY on December 1st.

Update 11/7/19: Rate has been decreased to 2.6% APY

Update 8/31/19: Rate has been decreased to 2.75% APY from 3% APY.

Offer at a glance

The Offer

Direct link to offer

  • Fitness Bank offers a saving bank offering up to 3.6% APY. To receive this rate you need to be opted in for online banking and download the step tracker (this can be linked to Apple Health, Google Fit, Fitbit and Garmin). The rate you receive depends on the average daily steps:


The Fine Print

  • The interest rate on this account is based on the Average Daily Steps from the prior month.
  • Rate updates for average daily steps from the prior month are reviewed no later than the second Monday of the following month.
  • The initial APY will be 2.50% until the rate adjustment date following first full month that the account has been opened.
  • Rates are valid for accounts opened online and require a valid email address.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

This account has a $10 monthly fee, this is waived if you have a $100 daily balance.

Our Verdict

Never heard of fitness bank before, but it’s a division of Affinity Bank. This account is really only worth considering if you average 12,500+ steps a day, otherwise you’d be better off with another high yield savings account. I can also see this as a good motivator for people that want to improve their fitness. Will be interesting to see if it’s a hard or soft pull. If anybody has any experiences with this account please share them in the comments below. There is also a senior version of this account for those over 65 years of age with a slightly smaller step requirement.

Hat tip to reader Sasha & midas89


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oldest most voted

payyoutuesday (@guest_1781295)
January 19, 2024 12:48

The elite checking account is now up to 6% on the first $25,000. Requires an average of 10,000 steps a day and 15 debit card transactions per month.

Chief Loss Leader
Chief Loss Leader (@guest_1736989)
November 14, 2023 20:31

They just started a referral program.

Steven Hoffmann
Steven Hoffmann (@guest_1645972)
July 2, 2023 20:18

I feel Fitness Bank is bit misleading with the steps to apy. I get over 15,000 steps or more a day and I’m only getting a 2%apy. I signed up to try to get the 4.5% however it’s like this your daily steps is somehow converted to average steps a day so they say in the app I’m only doing less than 11000 steps a day so I don’t meet the requirements for the highest apy. I guess I have to do 20,000 a day maybe just to get the 4.5%. Max I can do is over 18000 steps if I focus really hard but that’s just taking a huge toll on my body.

Churnandburn58 (@guest_1546415)
January 31, 2023 18:37

High interest savings is now 4.5%

Churnandburn58 (@guest_1535836)
January 17, 2023 13:48

This is now 4.25% for savings and 5.00% for checking up to $25k.

Redd (@guest_1466775)
October 16, 2022 12:35

Does anyone have problems with the app tracking average daily steps?

Bob Sters
Bob Sters (@guest_1463137)
October 12, 2022 04:16

Now comes with a $100 bonus that doesn’t have any requirements

CSF (@guest_1463200)
October 12, 2022 07:50

This seems targeted and expired 9/30/22.

Trevor (@guest_1458395)
October 4, 2022 17:35

Reduced to? Was it higher than 3.6%?

Jahn Anders
Jahn Anders (@guest_1458320)
October 4, 2022 15:52

I put my garmin on the dog. He runs around the yard all day while I’m at work, and for once he makes me money that helps cover the dog food.

ieatdogfood (@guest_1462263)
October 11, 2022 00:11

Sumbuddy say dog food? 😋

Darlene (@guest_1458148)
October 4, 2022 11:30

Anyone know if this works if you’re overseas? I’m a U.S expat. Or does it use your geo location to make sure you’re in the U.S?