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ZYNLO Bank Review 2026
Written by
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:
CDs
Checking
Savings
MMA
Customer Experience
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.
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
About our Sponsored Offers
Our list of sponsored accounts may offer competitive rates, multiple times higher than the national average. All of these offers have competitive minimums and few fees. All deposit offers have FDIC or NCUA insurance and annuities are backed by the issuing insurance company. We’ve vetted the credit worthiness of these banks to simplify your search.
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.
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.
Capital One
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 = 4.6/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Savings rating = 4.6/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
CIT Bank
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 = 0/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Western Alliance Bank
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.
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
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.
Capital One
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.
CIT Bank
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.
Western Alliance Bank
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.
Cash App
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.
Poppy
ZYNLO pros and cons
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
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Minimum balance to avoid fees:$0.005/5The lowest balance an account must maintain to avoid a monthly fee.Access to funds:Great5/5Access to funds scores how many and which ways you can withdraw and deposit funds from a savings account.Additional savings tools:Yes5/5Additional savings tools include features such as sub-accounts, roundup savings or other automatic savings features.
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.
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.
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Offers specialty CDs:NoSpecialty CDs include no-penalty CDs, bump-up CDs and add-on CDs.Number of CD terms:43/5The number of CD terms a financial institution offers.
Pros
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Solid yields.
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No minimum opening deposit.
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No monthly maintenance fees.
Cons
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Only four term options.
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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
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Minimum balance to avoid fees:$0.005/5The lowest balance you must maintain to avoid a monthly fee.Access to funds:Average3/5Access to funds scores how many and which ways you can withdraw and deposit funds from a 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.
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
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Minimum balance to avoid fees:$0.005/5The lowest balance an account must maintain to avoid a monthly fee.Early direct deposit:No3/5A feature that allows you to receive your paycheck or other qualifying funds earlier than the official payment date.ATM network:Great5/5Accessibility to fee-free ATMs for account holders.APY offering:2.00%5/5APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.
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.
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
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Website ease of use:Excellent5/5How user-friendly and intuitive the bank's website is for customers to navigate and complete banking tasks.Branches:N/AThe availability and accessibility of physical branch locations for in-person banking services.Account alerts:Yes5/5The 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 Aug. 19, 2026 and Aug. 25, 2026.
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Selected bank
ZYNLO Bank savings account
Bankrate score
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
Bankrate score
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. |
Search for or select a bank:
No banks found
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. |
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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 Aug. 19, 2026 and Aug. 25, 2026.
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| 3.85% | 3.00% | |
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Minimum balance for APY
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| $0.00 | $0.00 | |
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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.
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| $1,925 | $1,500 | |
| 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. | |
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Selected bank
ZYNLO Bank CD
Bankrate score
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
Bankrate score
4.4
Bankrate CD rating = 4.4/5 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. |
Search for or select a bank:
No banks found
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. |
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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 Aug. 19, 2026 and Aug. 25, 2026.
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| 3.85% | 3.50% | |
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Minimum deposit
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| $0.00 | $0.00 | |
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Term
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| 1 yr | 11 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. | |
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Selected bank
ZYNLO Bank checking account
Bankrate score
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
Bankrate score
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. |
Search for or select a bank:
No banks found
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. |
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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 Aug. 19, 2026 and Aug. 25, 2026.
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| 2.00% | 0.10% | |
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Minimum balance to open
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| $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. | |
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