Train Harder.
Save Smarter.

Earn the Highest Interest Rates on the Planet.

You’re already putting in the hard work. Now you can get paid while you get fit. Step, track, and earn the highest interest rates on the planet with a Fitness Savings Account or Senior Savings Account.

Get an Edge with each Training Session or on Race Day

AMERICA’S FIRST ACTIVE LIFESTYLE BANK is offering runners like you the chance to earn the highest interest rate savings account on the planet — the Fitness Savings Account — by tracking your steps.

The higher your average monthly step count. The higher your interest rate.

It’s that simple.

With FitnessBank you can Step. Track. And Earn a high interest rate on your Fitness Savings Account for the training, exercising and active lifestyle you already practice.

Earn a The Highest Interest Rate For Training Smart

“KEEP SHOWING UP and MAKE EVERY STEP COUNT with FitnessBank,” ~ Des Linden, Boston Marathon Champion & Two-time Olympian.

You’re already hitting the road, sticking to your training plan; why not make money for every step? It just makes sense.

FitnessBank uses your average daily step count at the end of the month to award the rate you earn.

Sync your activity tracker. Select your target step count and corresponding interest rate. Then, you’re on your way!

Make Every Step Count

Step Goals & Rates

1.25 % APY
1.25% Interest Rate

12,500+ STEPS

0.75 % APY

10,000-12,499 STEPS

0.5 0% APY

7,500-9,999 STEPS

0.35% APY

0.35% Interest Rate

5,000-7,499 STEPS

0.25% APY

0.25% 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, 1.25% APY (0.70% Interest Rate)
  • 7,500 to 9,999, 0.75% APY (0.50% Interest Rate)
  • 5,000 to 7,499, 0.50% APY (0.35% Interest Rate)
  • 0 to 4,999, 0.35% 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 06/01/2022.
  • 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.

After downloading the FitnessBank Step Tracker app and linking it with your Garmin, FitBit, Apple Health or Google Play; you can set your Step Goal based on our targets interest rate and physical fitness.This step will configure the app to notify you throughout each month as you Keep Stepp’n!    

How We Can Offer These Rates

FitnessBank is an online bank servicing the United States from Atlanta, Ga.

FitnessBank has a nimble and efficient highly-trained staff with low overhead.

FitnessBank doesn’t buy TV ads during bowl games or golf events.

FitnessBank relies on the word-of-mouth to share our story.


Get A High Interest Savings Account in less than 2 minutes!

Driver’s License
or Passport

Social Security

Bank Account
& Routing Number
OR Debit/Credit Card


Fitness Savings Account

  • Available to anyone who is at least 18 years of age, and a U.S. Citizen
  • Account balances are capped at $250,000
  • Interest is compounded daily, and credited monthly
  • 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
  • Free online banking, external account transfers and eStatements
  • $10 fee is charged for each additional withdrawal (withdrawal, automatic transfer or payment) in excess of the 6 permitted
  • 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
  • No debit/ATM cards available at this time

FDIC-Insured Member Bank


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. 

Ready. Set. Let’s Get Stepp’n.

Get The News.

Sign up for FitnessBank news, promotions, contests, and special offers.

America’s Active Lifestyle Bank since 2019. 

Get FitnessBank Apps.

Download the FitnessBank Step Tracker app to start Making Every Step Count. 

Download the FitnessBank Mobile Banking app to manage your bank accounts.

Get Started.

To open your new checking or savings account in minutes, you will need your 

  • Driver’s License or Passport 
  • Social Security Number 
  • Current Bank Account & Routing Number

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.  ©2022-2023 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.