At a glance

Overview

Nationwide service. Solid APYs across all deposit products. Large ATM network. Budgeting and savings tools.

Highlights:

High APY No Min Balance No Monthly Fees

Highlights:

High APY No Min Balance No Monthly Fees

4.5

Bankrate Score

CDs

3.3 /5

Checking

5.0 /5

Savings

5.0 /5

MMA

4.8 /5

Customer Experience

4.4 /5

ZYNLO pros and cons

Pros

Nationwide service.
Solid APYs across all deposit products.
Large ATM network.
Budgeting and savings tools.

Cons

Some tools require checking and savings accounts to use.

ZYNLO Bank products

ZYNLO Tomorrow Savings

5.0

/5

See methodology Compare savings rates

SCORE BREAKDOWN

APY offering:

3.85%

5/5

Minimum deposit:

$0.00

5/5

Monthly service fee:

$0.00

5/5

Minimum balance to avoid fees:
$0.00
5/5

The lowest balance an account must maintain to avoid a monthly fee.

Access to funds:
Great
5/5

Access to funds scores how many and which ways you can withdraw and deposit funds from a savings account.

Additional savings tools:
Yes
5/5

Additional savings tools include features such as sub-accounts, roundup savings or other automatic savings features.

Pros

Highly competitive yield.
Savings program that rounds up debit card purchases.
Round-ups are matched, depending on account balances.
No monthly fees or minimum balances.
You can create multiple buckets for separate savings goals.

Cons

ZYNLO checking account required for the round-up feature.

The savings account ZYNLO offers is a suite of tools that empowers customers to save in little and big ways. In addition to a high yield and no monthly fees or minimum balances, customers can set up a round-up feature on debit card purchases made with a ZYNLO checking account. Depending on their average checking balance, ZYNLO may match up to 100% of the rounded up amount.

3.3

/5

See methodology Compare CD rates

SCORE BREAKDOWN

APY offering:

1-year APY: 3.85%

5/5

3-year APY: 0.00%

0/5

5-year APY: 0.00%

0/5

Minimum deposit:

$0.00

5/5

Early withdrawal penalty:

Average

3/5

Offers specialty CDs:
No
0/5

Specialty CDs include no-penalty CDs, bump-up CDs and add-on CDs.

Number of CD terms:
4
3/5

The number of CD terms a financial institution offers.

Pros

Solid yields.
No minimum opening deposit.
No monthly maintenance fees.

Cons

Only four term options.
No specialty CDs.

ZYNLO has a very basic set of CDs on offer, each with a solid APY. There are only four term options, but those four have no minimum opening deposit requirements or monthly fees. Terms range from six months to two years — in contrast, banks typically have CDs with terms up to five years.

ZYNLO money market account

4.8

/5

See methodology Compare money market rates

SCORE BREAKDOWN

APY offering:

3.90%

5/5

Minimum deposit:

$0.00

5/5

Monthly service fee:

$0.00

5/5

Minimum balance to avoid fees:
$0.00
5/5

The lowest balance you must maintain to avoid a monthly fee.

Access to funds:
Average
3/5

Access to funds scores how many and which ways you can withdraw and deposit funds from a money market account.

Pros

Competitive yield.
No monthly, overdraft or nonsufficient funds fees.
Unlimited transactions.

Cons

Round-up savings feature is not available.
Doesn't come with checks or a debit card.

While ZYNLO's money market account has unlimited transactions, you will need to transact online to make use of that benefit. This is because the account doesn't come with a debit card or check-writing privileges that are common elsewhere.

ZYNLO More Spending Checking

5.0

/5

See methodology Compare checking rates

SCORE BREAKDOWN

Minimum deposit:

$0.00

5/5

Monthly service fee:

$0.00

5/5

Overdraft fees:

Excellent

5/5

Minimum balance to avoid fees:
$0.00
5/5

The lowest balance an account must maintain to avoid a monthly fee.

Early direct deposit:
No
3/5

A feature that allows you to receive your paycheck or other qualifying funds earlier than the official payment date.

ATM network:
Great
5/5

Accessibility to fee-free ATMs for account holders.

APY offering:
2.00%
5/5

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.

Pros

Earns a competitive yield.
No fees.
Large ATM network.
Can be linked to savings account to access round-up feature.

Cons

Minimum balance required for full round-up match.

Checking accounts with a yield are not the most common, and with ZYNLO you'll get an exceptional rate. You can also tie your checking account to your ZYNLO savings account and round-up debit card purchases, which ZYNLO will match up to 100% if you maintain an average checking balance of $3,000 — otherwise the match is 0.25%.

Customer experience

4.4

/5

See methodology

SCORE BREAKDOWN

Hours of operation:

Great

5/5

Amount of customer service options:

Excellent

5/5

Average mobile app rating:

Good

3/5

Website ease of use:
Excellent
5/5

How user-friendly and intuitive the bank's website is for customers to navigate and complete banking tasks.

Branches:
N/A
0/5

The availability and accessibility of physical branch locations for in-person banking services.

Account alerts:
Yes
5/5

The variety and customization options for notifications about account activity and important updates.

Branch access. ZYNLO is an online bank, so there's no branch access. ZYNLO's parent bank, PeoplesBank, does have about 20 locations in Massachusetts and Connecticut but ZYNLO customers can't visit these branches.

Customer support. You can reach customer service by phone Monday to Friday from 8 a.m. to 10 p.m. Eastern, and weekends from 10 a.m. to 2 p.m. You can also send an email or message via the bank's mobile app, though it may take 24 to 48 hours to receive a response via those channels.

Digital experience. You can bank through the bank's secure website or via its mobile app. As of the time of writing, the iOS and Android apps receive middling reviews on both platforms, though fewer than 200 people have rated them (combined).

How ZYNLO compares to other banks

Compare different account types offered by ZYNLO Bank. Annual percentage yields (APYs) shown were updated between March 14, 2026 and March 20, 2026.

Selected bank ZYNLO Bank savings account Member FDIC Bankrate score Rating: 5 stars out of 5 5.0 Bankrate Savings rating = 5.0/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.	Most comparable Ally Bank savings account Member FDIC Bankrate score Rating: 4.4 stars out of 5 4.4 Bankrate Savings rating = 4.4/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. Read review	Search for or select a bank: Bankrate score Bankrate Savings rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. Read review
APY APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between March 14, 2026 and March 20, 2026.
3.85%	3.20%
Minimum balance for APY
$0.00	$0.00
Estimated earnings Interest earned calculation based on a $50,000 deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$1,925	$1,600

There are no monthly fees or minimum balances with a ZYNLO savings account. You'll also get access to a round-up program that puts the change from debit card purchases into it when you link a ZYNLO checking account. On top of having the feature, ZYNLO will match up to 100% of the rounded up amount, depending on your average checking account balance.	Ally Bank consistently offers a strong yield on its Online Savings Account. It’s not usually the absolute highest yield, but it is competitive and there’s no minimum balance requirement and no monthly service fee. The bank offers mobile deposit but you’ll need to transfer money to your checking account or Ally’s money market account if you want to access your savings from an ATM.

Highly competitive yield. Savings program that rounds up debit card purchases. Round-ups are matched, depending on account balances. No monthly fees or minimum balances. You can create multiple buckets for separate savings goals.	Ally Bank offers a consistently strong yield on its Online Savings Account. Ally Bank has savings tools, such as Surprise Savings where Ally Bank looks at your linked checking account for savings opportunities.	N/A
ZYNLO checking account required for the round-up feature.	Ally Bank doesn’t offer ATM access directly from its savings account. Some other online banks offer a higher yield than Ally Bank.	N/A

Selected bank ZYNLO Bank CD Member FDIC Bankrate score Rating: 3.3 stars out of 5 3.3 Bankrate CD rating = 3.3/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.	Most comparable American Express National Bank CD Member FDIC Bankrate score Rating: 4.1 stars out of 5 4.1 Bankrate CD rating = 4.1/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. Read review	Search for or select a bank: Bankrate score Bankrate CD rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. Read review
APY APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between March 14, 2026 and March 20, 2026.
3.85%	4.00%
Minimum deposit
$0.00	$0.00
Term
1 yr	14 mos

ZYNLO has a very basic set of four CDs on offer, but all have a solid APY. There are also no minimum opening deposit requirements or monthly fees. Terms range from six months to two years — significantly shorter than most banks.	American Express offers several CDs, and most of them offer a competitive yield. Even the terms with lower APYs are still solid, even if they aren't the very top of the market. There’s also no minimum balance requirement to open a CD.

Solid yields. No minimum opening deposit. No monthly maintenance fees.	Most American Express CDs offer high yields. There’s no minimum balance requirement to open a CD.	N/A
Only four term options. No specialty CDs.	American Express doesn’t offer CDs shorter than 11 months. Some American Express CDs offer solid but relatively low yields.	N/A

Selected bank ZYNLO Bank checking account Member FDIC Bankrate score Rating: 5 stars out of 5 5.0 Bankrate Checking rating = 5.0/5 Bankrate scores are objectively determined by our editorial team. Minimum balances to avoid monthly service fees, whether the bank has a monthly service fee, minimum opening deposit requirements, fees to use out-of-network ATMs and overdraft fees are some of the things that make up Bankrate’s score.	Most comparable Ally Bank checking account Member FDIC Bankrate score Rating: 5 stars out of 5 5.0 Bankrate Checking rating = 5.0/5 Bankrate scores are objectively determined by our editorial team. Minimum balances to avoid monthly service fees, whether the bank has a monthly service fee, minimum opening deposit requirements, fees to use out-of-network ATMs and overdraft fees are some of the things that make up Bankrate’s score. Read review	Search for or select a bank: Bankrate score Bankrate Checking rating Bankrate scores are objectively determined by our editorial team. Minimum balances to avoid monthly service fees, whether the bank has a monthly service fee, minimum opening deposit requirements, fees to use out-of-network ATMs and overdraft fees are some of the things that make up Bankrate’s score. Read review
APY APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between March 14, 2026 and March 20, 2026.
2.00%	0.10%
Minimum balance to open
$0.00	$0.00

Checking accounts with a yield are not the most common, and with ZYNLO you'll get an exceptional rate. You can also tie your checking account to your ZYNLO savings account and round-up debit card purchases, which ZYNLO will match up to 100% if you maintain an average checking balance of $3,000 — otherwise the match is 0.25%.	Ally Bank’s Spending Account doesn’t have a minimum balance requirement to open the account or a monthly fee. You also can access two forms of overdraft protection including one that allows you to overdraft up to $250 without a fee.

Earns a competitive yield. No fees. Large ATM network. Can be linked to savings account to access round-up feature.	You can get reimbursed for $10 worth of out-of-network ATM fees each statement period. Cash deposits are available at Walmart.	N/A
Minimum balance required for full round-up match.	Though you earn a bit of interest with this account, it’s not much. You can find higher APYs on your checking elsewhere.	N/A

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Review methodology

With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such as savings accounts, checking accounts, certificates of deposit (CDs) and money market accounts (MMAs). Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more.

We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.

ZYNLO Bank Review 2026

The Bankrate promise

At a glance

Overview

Highlights:

ZYNLO pros and cons

Pros

Cons

ZYNLO Bank products

ZYNLO Tomorrow Savings

Additional details and scores

Pros

Cons

Additional details and scores

Pros

Cons

ZYNLO money market account

Additional details and scores

Pros

Cons

ZYNLO More Spending Checking

Additional details and scores

Pros

Cons

Customer experience

Additional details and scores

How ZYNLO compares to other banks

We want to know what you think about ZYNLO

Review methodology

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