be the first to open a fitness 10K Checking Account.

Get a free prize box with Early enrollment.

Pick Your 10K Card to Start Earning a Competitive Rate.

Early Enrollment Now Open.

Take advantage of open enrollment for our new Fitness 10K Checking Account, which comes with The 10K Card, a sports-specific debit card.

Here is where things really get going. Like our Fitness Savings Account, once you’re in, you will also be affectionately known as our Member Athlete and you will be asked to select The 10k Card that matches your active lifestyle and favorite sport – choose from running, biking, swimming and multi-sport triathlon.

After downloading our Step Tracker, you can count “steps” for each activity and easily fill your Step Bank.

Each month Member Athletes who track 10,000 average steps per day per month will earn the most competitive interest rate on their bank account and receive an extra 10,000 Bonus Steps. These Bonus Steps are used as needed to ensure you hit your monthly step goal.

Checking & Savings Account Holders Earn the Most.

If you meet the qualifications of a Fitness Checking Account / The 10K Card, … AND you also have a Fitness Savings Account, you will earn a bonus percentage on your savings account for the following month. 

Bonus Rate and Bonus Steps! — Win-Win combination!

Founding Member Athletes Get a Free Prize Box.

We’ll step it up to the next level for new members by throwing in a FREE Prize Box, filled with: 

  • Running Belt ($20 value) 
  • Compression Socks ($30 value) 
  • Sillipint Glass ($10 value) 
  • Goodr Glasses ($25 value) 
  • PopSocket ($15 value)  

Earn Steps & Better Rates When you Apply for a Checking Account with FitnessBank.

Yes, we have a minimum average balance of $100 and require at least $100 to open the account.

To earn the top rate on the 10K checking account, you must average 10,000 steps a day (7,500 if 65 or older) in the previous calendar month and have at least 10 debit card transactions that settle in the statement cycle (ending on 10th of the month).

Rate Tiers, Information & Qualifications.

Tier One

% 1
00
Monthly
  • An interest rate of 1.00% will be paid on the portion of your daily balance that is $0.00 - $25,000.00 when rate qualifications are met
  • The annual percentage yield for this tier is 1.00% when rate qualifications are met.
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Tier Two

% 0
25
Monthly
  • An interest rate of 0.25% will be paid on the portion of your daily balance above $25,000.01 when rate qualifications are met.
  • The annual percentage yield for this tier is 0.25% when rate qualifications are met.
Popular
  • The top interest rate on this account is based on the Average of 10,000 Daily Steps from the prior month and a minimum of 10 debit card transactions posted in the statement period.
  • Tier 1 rate capped at $25,000.
  • If requirements are not met, you will still earn 0.10% APY
  • Interest is compounded daily, and credited monthly
  • If the requirements are met, an extra 0.10% can be earned on linked savings accounts.
  • Up to $10 in ATM withdrawal fee refunds nationwide
  • Incoming Wire Fee waived by FitnessBank
  • $100 minimum opening deposit
  • $10 maintenance fee, waived with $100 minimum average daily balance
  • Interest earned on balances over $100
  • Mobile Deposit
  • Free Visa® debit card – Choose from 4 active lifestyle designs
  • Free online banking, external account transfers and eStatements
  • No step requirements for the first month
  • Initial APY will be the top tier offered until the rate adjustment date following first full month that the account has been opened
  • Available to anyone who is at least 18 years of age, and a U.S. Citizen

Details. Disclaimers. Disclosures.

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.

Swim Design

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

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. 

ATM Fees – FitnessBank will refund up to $10 per statement period in foreign ATM Fees charged to the account.

Compounding Frequency – Interest will be compounded daily.

Crediting Frequency – Interest will be credited into this account monthly.

Daily Balance Computation Method – Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of Interest on Non-cash Deposits – Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.

Minimum Balance to Open – The minimum balance required to open this account is $100.00.
Minimum Balance to Avoid Maintenance Fee – A maintenance fee of $10.00 will be imposed every statement cycle unless you maintain a minimum average daily balance of $100.00 for the statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

FitnessBank is a division of Affinity Bank – FitnessBank and Affinity Bank are treated as the same entity for the purpose of calculating FDIC insurance limits and deposits.

FitnessBank Step Tracker

  • Member Athletes are required to download the FitnessBank Step Tracker App and actively use the App to submit the step data to FitnessBank in order to achieve the applicable rates
  • FitnessBank athletes should open the FitnessBank Step Tracker App between the first and the third of the following month to ensure that the daily step data is submitted accurately for the prior month
  • For the best performance of the FitnessBank Step Tracker App, athletes are encouraged to open the App periodically throughout the month to track and submit daily step activity

Qualifications Disclosure:

  • Must Have at least 10 PIN-based/signature-based debit card purchases
  • Valid for accounts opened online and require a valid email address
  • Only one account per primary account holder
  • Must open and use the FitnessBank Step Tracker during the month (see FitnessBank Step Tracker Disclosure)
  • Be enrolled in and agree to receive e-Statements
  • Transactions must post and settle to the account during each Statement Period and may take (1) or more business days from the date the transaction or activity occurred to post and settle to the account
  • The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by FitnessBank as ATM transactions

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.