High-Yield Savings Account Comparison

Ally Bank vs. Zynlo Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

Ally Bank

Savings Account

3.30%
APY
Dec 6, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57803)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.4
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.20%
Since 90 days ago
Read Bank Overview

Zynlo Bank

Tomorrow Savings Account

4.05%
APY
Dec 6, 2025
FDIC InsuredLow MinimumsGreat iOS App
Show Fine Print & Trends
Min. Deposit$10
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 90213)
EligibilityUnited States
Mobile Ratings
iOS:4.0Android:3.5
BBB Rating
A+(Not BBB Accredited)

Rate Stability

30 days
↘︎ 0.15%
90 days
↘︎ 0.30%
Read Bank Overview

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

Comparison Analysis

Comparing Ally Bank vs. Zynlo Bank

Updated: Dec 6, 2025

Why Ally Bank?

  • ✓Higher rated iOS app (4.7 vs 4.0)
  • ✓Higher rated Android app (4.4 vs 3.5)

Why Zynlo Bank?

  • ✓Higher potential APY (4.05% vs 3.30%) on all balances

— Key Feature Differences —

Better Returns at $10,000
Zynlo Bank

Zynlo Bank's Tomorrow Savings Account earns more on smaller deposits (approx. $405 vs $330/yr).

Better Returns at $25,000
Zynlo Bank

Zynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $1013 vs $825/yr).

Best for Simplicity
Zynlo Bank

Zynlo Bank's Tomorrow Savings Account offers 4.05% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
Ally Bank

Ally Bank offers an iOS app rated 4.7 (vs. 4.0) and Android app rated 4.4 (vs. 3.5)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, Zynlo Bank's Tomorrow Savings Account pays $75 more interest on a $10,000 balance than Ally Bank's Savings Account.

Ally BankZynlo Bank
Automated Data Audit

Executive Summary

Zynlo Bank offers a competitive Tomorrow Savings Account with a notable APY of 4.05%, making it the winner in this comparison. This account is online-only and requires a minimum deposit of $10, but has no maintenance fees or direct deposit requirements. In contrast, Ally Bank provides a Savings Account with a lower APY of 3.30% and also operates online, featuring a $0 minimum deposit and no maintenance fees. While Ally Bank excels in mobile app experience, Zynlo Bank stands out for its higher returns, especially beneficial for both smaller and larger deposits.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExploreAlly BankExploreZynlo Bank

Top Market Contenders

See who beats both Ally Bank and Zynlo Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.55% vs Zynlo Bank
Better Rate
Pibank vs Ally BankPibank vs Zynlo Bank
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+0.45% vs Zynlo Bank
Better Rate
Neighbors Bank vs Ally BankNeighbors Bank vs Zynlo Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.26% vs Zynlo Bank
Better Rate
Axos Bank vs Ally BankAxos Bank vs Zynlo Bank
FeatureAlly BankZynlo Bank
APY
3.30%
Verified: 12/6/2025
↘︎ 0.20%90d Change
4.05%
Verified: 12/6/2025
↘︎ 0.30%90d Change
Product NameSavings AccountTomorrow Savings Account
Minimum Deposit$0$10
Min. Balance for APY$0$0.01
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.7
Android4.4
iOS4.0
Android3.5
BBB RatingA+A+
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

Zynlo Bank earns $479.9 more than Ally Bank.

Ally Bank

Savings Account

3.30% APY

Savings Breakdown

  • Interest Earned
    +$1,987.10(9.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,987.10

Effective APY
3.30%
View Details

Zynlo Bank

Tomorrow Savings Account

4.05% APY

Savings Breakdown

  • Interest Earned
    +$2,467.00(12.1%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,467.00

Effective APY
4.05%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 9 Months Analysis
MetricAlly BankZynlo Bank
Savings AccountTomorrow Savings Account
Current APY
3.30%4.05%
Trend
 Stable Stable
Velocity (bps/mo)
-4.1-2.6
Days Since Change
3614
9-Month High
3.70%4.35%
9-Month Low
3.30%4.05%
Adjustments / Mo
0.450.23
Volatility Score
0.0330.022
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 265-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar High-Yield Accounts

Compare Ally Bank vs...

Comparing against Standard Savings

vs Ally Bank
PibankNo Bundle Req
4.60%
APY
vs Ally Bank
Neighbors BankNo Bundle Req
4.50%
APY
vs Ally Bank
TIMBRNo Bundle Req
4.40%
APY

Compare Zynlo Bank vs...

Comparing against Standard Savings

vs Zynlo Bank
PibankNo Bundle Req
4.60%
APY
vs Zynlo Bank
Neighbors BankNo Bundle Req
4.50%
APY
vs Zynlo Bank
TIMBRNo Bundle Req
4.40%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare Ally Bank's APY of 3.30% with other banks
Bank PairCompetitor APYMin Deposit
Ally Bank vs American Express3.40%$0
Ally Bank vs Axos Bank4.31%$0
Ally Bank vs Bank of America0.01%$100
Ally Bank vs Barclays4.00%$0
Ally Bank vs Bask Bank3.90%$0
Ally Bank vs BMO Alto3.25%$0
Ally Bank vs BrioDirect4.00%$5,000
Ally Bank vs Capital One3.40%$0
Ally Bank vs Chase Bank0.01%$0
Ally Bank vs Chime3.50%$0
Ally Bank vs CIT Bank3.75%$100
Ally Bank vs Citibank3.30%$0
Ally Bank vs Citizens Access™3.35%$0.01
Ally Bank vs Climate First Bank4.21%$50
Ally Bank vs Discover Bank3.40%$0
Ally Bank vs Elevault4.08%$0
Ally Bank vs EverBank4.05%$0
Ally Bank vs Fitness Bank4.75%$100
Ally Bank vs FNBO Direct3.00%$1
Ally Bank vs Forbright Bank4.00%$0
Ally Bank vs FVCbank3.85%$500
Ally Bank vs GO2bank4.50%$0
Ally Bank vs Ivy Bank4.25%$2,500
Ally Bank vs LendingClub4.20%$0
Ally Bank vs Marcus by Goldman Sachs3.65%$0
Ally Bank vs Neighbors Bank4.50%$0
Ally Bank vs Newtek Bank4.35%$0.01
Ally Bank vs Openbank4.20%$500
Ally Bank vs Peak Bank4.20%$100
Ally Bank vs Pibank4.60%$0
Ally Bank vs PNC3.53%$0
Ally Bank vs Presidential Bank4.00%$5,000
Ally Bank vs Quontic Bank3.75%$100
Ally Bank vs Salem Five Direct3.71%$10
Ally Bank vs Santander Bank0.01%$25
Ally Bank vs SoFi Bank4.30%$0
Ally Bank vs Synchrony Bank3.65%$0
Ally Bank vs TIMBR4.40%$1,000
Ally Bank vs UFB Direct3.71%$5000
Ally Bank vs Valley Direct4.10%$1,000
Ally Bank vs Varo Bank5.00%$0
Ally Bank vs Vio Bank4.16%$100
Ally Bank vs Wealthfront4.15%$0
Ally Bank vs Wells Fargo0.05%$25
Compare Zynlo Bank's APY of 4.05% with other banks
Bank PairCompetitor APYMin Deposit
Zynlo Bank vs American Express3.40%$0
Zynlo Bank vs Axos Bank4.31%$0
Zynlo Bank vs Bank of America0.01%$100
Zynlo Bank vs Barclays4.00%$0
Zynlo Bank vs Bask Bank3.90%$0
Zynlo Bank vs BMO Alto3.25%$0
Zynlo Bank vs BrioDirect4.00%$5,000
Zynlo Bank vs Capital One3.40%$0
Zynlo Bank vs Chase Bank0.01%$0
Zynlo Bank vs Chime3.50%$0
Zynlo Bank vs CIT Bank3.75%$100
Zynlo Bank vs Citibank3.30%$0
Zynlo Bank vs Citizens Access™3.35%$0.01
Zynlo Bank vs Climate First Bank4.21%$50
Zynlo Bank vs Discover Bank3.40%$0
Zynlo Bank vs Elevault4.08%$0
Zynlo Bank vs EverBank4.05%$0
Zynlo Bank vs Fitness Bank4.75%$100
Zynlo Bank vs FNBO Direct3.00%$1
Zynlo Bank vs Forbright Bank4.00%$0
Zynlo Bank vs FVCbank3.85%$500
Zynlo Bank vs GO2bank4.50%$0
Zynlo Bank vs Ivy Bank4.25%$2,500
Zynlo Bank vs LendingClub4.20%$0
Zynlo Bank vs Marcus by Goldman Sachs3.65%$0
Zynlo Bank vs Neighbors Bank4.50%$0
Zynlo Bank vs Newtek Bank4.35%$0.01
Zynlo Bank vs Openbank4.20%$500
Zynlo Bank vs Peak Bank4.20%$100
Zynlo Bank vs Pibank4.60%$0
Zynlo Bank vs PNC3.53%$0
Zynlo Bank vs Presidential Bank4.00%$5,000
Zynlo Bank vs Quontic Bank3.75%$100
Zynlo Bank vs Salem Five Direct3.71%$10
Zynlo Bank vs Santander Bank0.01%$25
Zynlo Bank vs SoFi Bank4.30%$0
Zynlo Bank vs Synchrony Bank3.65%$0
Zynlo Bank vs TIMBR4.40%$1,000
Zynlo Bank vs UFB Direct3.71%$5000
Zynlo Bank vs Valley Direct4.10%$1,000
Zynlo Bank vs Varo Bank5.00%$0
Zynlo Bank vs Vio Bank4.16%$100
Zynlo Bank vs Wealthfront4.15%$0
Zynlo Bank vs Wells Fargo0.05%$25