ZYNLO Bank Review 2025
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Edited by
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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 FeesHighlights:
Checking
Savings
MMA
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These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate CD rating = 3.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Overall
As an online-only bank, ZYNLO is best for those comfortable solely banking online. If you are, you'll get access to checking, savings and money market accounts that all offer a strong APY. Plus, the bank offers access to a large fee-free ATM network, so your cash is never far away. A standout feature is the ZYNG Round Up and Match feature: this tool rounds up your debit card transactions to the nearest dollar and transfers the difference to your savings account, and the bank matches your contributions. There is one caveat though: the size of the match depends on your checking balance.
Pros
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Nationwide service.
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Solid APYs across all deposit products.
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Large ATM network.
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Budgeting and savings tools.
Cons
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Some tools require checking and savings accounts to use.
ZYNLO Bank products
ZYNLO Tomorrow Savings Account
Pros
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Highly competitive yield.
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Savings program that rounds up debit card purchases.
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Round-ups are matched, depending on account balances.
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No monthly fees or minimum balances.
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You can create multiple buckets for separate savings goals.
Cons
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ZYNLO checking account required for the round-up feature.
ZYNLO Money Market Account
Pros
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Competitive yield.
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No monthly, overdraft or nonsufficient funds fees.
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Unlimited transactions.
Cons
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Round-up savings feature is not available.
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Doesn't come with checks or a debit card.
ZYNLO More Spending Checking Account
Pros
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Earns a competitive yield.
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No fees.
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Large ATM network.
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Can be linked to savings account to access round-up feature.
Cons
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Minimum balance required for full round-up match.
Bank fees
| Fee | Charged? |
|---|---|
| Overdraft fee | None |
| Non-sufficient funds fee | None |
| Account maintenance fees | None |
| Out-of-network ATM fee | None |
| Excessive transaction fee | None |
Customer experience
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 8:00 a.m. to 10:00 p.m. Eastern Time, and weekends from 10:00 a.m. to 2:00 p.m., also Eastern Time. 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).
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Review methodology
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.
