American Express vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | American ExpressHigh Yield Savings Account Jan 21, 2026 | Zynlo BankTomorrow Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 3.85% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $0 | $10 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppZelle® Supported | FDIC InsuredLow MinimumsGreat iOS App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing American Express vs. Zynlo Bank
As of American Express offers an APY of 3.30% for its High Yield Savings Account, with a minimum balance of $0, compared to Zynlo Bank's 3.85% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
Zynlo Bank pays $55 more than American Express on a $10,000 balance after one year. American Express pays $330, while Zynlo Bank pays $385 - an APY advantage for Zynlo Bank.
Why American Express?
- ✓Higher rated iOS app (4.9 vs 4.1)
- ✓Fast transfers via Zelle®
Why Zynlo Bank?
- ✓Higher potential APY (3.85% vs 3.30%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Zynlo BankZynlo Bank's Tomorrow Savings Account earns more on smaller deposits (approx. $385 vs $330/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $963 vs $825/yr).
Best for Simplicity
Zynlo BankZynlo Bank's Tomorrow Savings Account offers 3.85% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Zynlo Bank's Tomorrow Savings Account pays $55 more interest on a $10,000 balance than American Express's High Yield Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Zynlo Bank's Tomorrow Savings Account offers a competitive APY of 3.85%, making it the winner in this comparison. This account has no direct deposit requirement and allows for a minimum deposit of just $10, with a minimum balance of $0.01, making it accessible for many savers. In contrast, American Express provides a High Yield Savings Account with an APY of 3.30%. While both accounts are online-only and have no maintenance fees, Zynlo Bank's account yields higher returns, particularly for larger deposits. Overall, Zynlo Bank stands out for its simplicity and better returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
American Express vs. Zynlo Bank Savings Calculator
You earn $55 more with Zynlo Bank than American Express on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
American Express
High Yield Savings Account
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
Zynlo Bank
Tomorrow Savings Account
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | American Express | Zynlo Bank |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.20%90d Change | 3.85% Verified: 1/21/2026 ↘︎ 0.35%90d Change |
| Product Name | High Yield Savings Account | Tomorrow Savings Account |
| Minimum Deposit | $0 | $10 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android3.6 | iOS4.1 Android3.5 |
| Zelle® Support | Available Requires Amex Rewards Checking; not available for standalone HYSA. | Not Supported |
| BBB Rating | F | A+ |
| Next Steps | Visit SiteVerify at American Express Non-sponsored link to official site | Visit SiteVerify at Zynlo Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | American Express | Zynlo Bank |
|---|---|---|
| High Yield Savings Account | Tomorrow Savings Account | |
Current APY | 3.30% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.5 | -4.4 |
Days Since Change | 22 | 23 |
10-Month High | 3.70% | 4.35% |
10-Month Low | 3.30% | 3.85% |
Adjustments / Mo | 0.39 | 0.29 |
Volatility Score | 0.033 | 0.039 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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