You Earn the Interest Rate by Tracking Your Steps on our Mobile App while Swimming, Biking, Running and Walking.

Special Notice

Our Step Tracker app is available. We are still working to get all Garmin users data back, but you should be able to login. We apologize for the inconvenience and will award everyone with the top rate tier for the month of August & September due to the inconvenience.

Fitness Savings Step Goals & Rates

0.55 % APY
0.55% Interest Rate

12,500+ STEPS

0.45 % APY

10,000-12,499 STEPS

0.35 % APY

7,500-9,999 STEPS

0.25% APY

0.25% Interest Rate

5,000-7,499 STEPS

0.15% APY

0.15% Interest Rate

0-4,999 STEPS

Senior Rates

Available to anyone who is at least 65 years of age and a US citizen.
  • 10,000+ steps, 0.55% APY (0.55% Interest Rate)
  • 7,500 to 9,999, 0.45% APY (0.45% Interest Rate)
  • 5,000 to 7,499, 0.35% APY (0.35% Interest Rate)
  • 0 to 4,999, 0.25% APY     (0.25% Interest Rate)


  •  APY = Annual Percentage Yield
  • Interest rate for this account may change after the account is opened.
  • Interest Rates and Annual Percentage Yields are accurate as of 08/01/2021.
  • APY applies to entire balance. Rate tier is determined by the previous month’s daily average number of steps.
  • The minimum balance required to open this account is $100.00.
  • Fees may reduce account earnings.

Open a Fitness Savings Account in less than 2 Minutes

You’ll just need:

Driver’s License
or Passport

Social Security

Bank Account
& Routing Number

Be the First to Pick Your Card.

The New FitnessBank 10K Card.

New Checking Account featuring Your Favorite Sport

FitnessBank opened early enrollment for a FitnessBank Checking Account with The 10K Card. Cardholders will be rewarded with Bonus Steps and a competitive interest rate on a checking account (and a savings account) for tracking a 10,000 steps per day average.  Learn More – Connect with Member Services >>

Swim Design

Choose the sleek, streamlined  debit card design that best showcases your passion for swimming.

Cycle Design

Choose the aerodynamic, lite weight debit card design that can easily tuck into your training kit and allow you to stay fueled up along the ride.

Run Design

Choose the ideal debit card design that can go anywhere you run, walk or hike on the planet. 

Multi-Sport Design

Choose the card design that represents your traditional triathlon competitions or non-traditional multi-sport challenges. 

Make Every Step Count

You're Already Active

FitnessBank wants you to Make Every Step Count and earn the highest interest rates on the planet. When you open a Fitness Savings Account with our lifestyle bank, you’ll earn interest just for reaching your fitness goals, for training smart. Compete with friends and push yourself to do more, all while saving for the future.

Works with...

How Do You Get Your Steps In?

"I do high intensity interval training in my home gym four to six days a week for 20 to 30 minutes. I walk my dog in our hilly neighborhood. My daughter and I make sure we stand up every hour. Even when we’re watching a movie, we’ll pause the show and run around the house for a few minutes. It’s goofy, fun and gets us moving."
Shonda Lawary
Owner of Best Self Total Wellness
"My favorite way to get my steps in to take advantage of my kids’ practices and rehearsals. The 30 minutes my daughter has her piano lesson is the perfect time to get in a quick walk. I like to take my dog with me to my son’s soccer practice and get in a longer walk."
Kimberly Petty
Stepping away the stress
"I can get in an extra 1,000 steps by walking through the parking deck at the office. I also walk down the stairs from my 9th floor office. I generally just try to find ways to move, from walking during work breaks to staying active while at my son’s baseball games. My wife and I do walks at home, and I’m also getting in several of Jeff Galloway’s run/walk workouts each week."
Ed Cooney
Chief Fitness Officer,
President of FitnessBank

Yes! We're a Real FDIC-Insured Member Bank

We get the question, “Are you a real bank?” all the time because our story sounds too good to be true.

FitnessBank is a new online, lifestyle bank servicing clients across the United States. But we’re a bank with deep roots: FitnessBank is a division of Affinity Bank, which was established in 2002. For nearly two decades, we have served all types of small businesses and individuals with our full-slate of financial services.

What it means to be FDIC-Insured: The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects the funds depositors place in banks and savings associations. FDIC insurance is backed by the full faith and credit of the United States government. Since the FDIC was established in 1933, no depositor has lost a penny of FDIC-insured funds.

Our Story

Once Upon a Time There Was this Active Lifestyle Bank

We’re stepping in the right direction by revisiting the relationship between our bank and our customers. We are in this together. Your success becomes ours. Our investment accelerates your opportunities.


How It Works

Download. Sync up. Step up. Step. Track. And Earn. Rack up a high interest rate on your Fitness Savings Account based on your active lifestyle.



What is FitnessBank? How do I make deposits? How do you determine rates? Get answers to all your burning questions, and more.


Partner with us to host a public or private Step Challenge, branded specifically for your school, nonprofit or corporate well-being program.

Ready to Earn High Interest Rates for an Active Lifestyle?

Have Questions?
We Have Answers.

FitnessBank is a division of Affinity Bank. FitnessBank and Affinity Bank are the same entity for the purpose of calculating FDIC insurance limits and deposits. FitnessBank is not responsible for and has no control over the subject matter, content, information, or graphics of the websites that have links here. Please contact us with any concerns or comments.  ©2020 All Rights Reserved.

As of &zwnj, the interest rate(s) and annual percentage yield(s) are accurate. Interest rates may change as often as daily without prior notice. Fees may reduce account earnings. Rates are valid for accounts opened online and require a valid email address.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 week of the following month. The initial APY will be current top tier 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.