American Express vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
American Express
High Yield Savings Account
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
American Express
High Yield Savings Account
Zynlo Bank
Tomorrow Savings Account
4.05%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
Zynlo Bank
Tomorrow Savings Account
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.
Comparison Analysis
Comparing American Express vs. Zynlo Bank
Why American Express?
- ✓Higher rated iOS app (4.9 vs 4.0)
Why Zynlo Bank?
- ✓Higher potential APY (4.05% vs 3.40%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Zynlo BankZynlo Bank's Tomorrow Savings Account earns more on smaller deposits (approx. $405 vs $340/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $1013 vs $850/yr).
Best for Simplicity
Zynlo BankZynlo Bank's Tomorrow Savings Account offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
American ExpressAmerican Express offers an iOS app rated 4.9 (vs. 4.0) and Android app rated 3.6 (vs. 3.5)
Shared Benefits
Over a 1-year period, Zynlo Bank's Tomorrow Savings Account pays $65 more interest on a $10,000 balance than American Express's High Yield Savings Account.
Executive Summary
Zynlo Bank's Tomorrow Savings Account offers a competitive APY of 4.05%, making it the winner in this comparison. This online-only account requires a minimum deposit of $10 and has no maintenance fees, providing better returns for both smaller and larger deposits. In contrast, American Express features a High Yield Savings Account with an APY of 3.40%, which, while offering a solid return, is lower than that of Zynlo Bank. American Express does not require a direct deposit and has no minimum balance, but its APY is significantly less than Zynlo's. Both banks provide a user-friendly online experience, with Zynlo Bank noted for its simplicity.
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.
Top Market Contenders
See who beats both American Express and Zynlo Bank.
| Feature | American Express | Zynlo Bank |
|---|---|---|
| APY | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.05% Verified: 12/6/2025 ↘︎ 0.30%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 | iOS4.0 Android3.5 |
| BBB Rating | F | A+ |
| Next Steps |
Savings Comparison
Zynlo Bank earns $416.5 more than American Express.
American Express
High Yield Savings Account
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
Zynlo Bank
Tomorrow Savings Account
Savings Breakdown
- Interest Earned+$2,467.00(12.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,467.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | American Express | Zynlo Bank |
|---|---|---|
| High Yield Savings Account | Tomorrow Savings Account | |
Current APY | 3.40% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.0 | -2.6 |
Days Since Change | 10 | 14 |
9-Month High | 3.70% | 4.35% |
9-Month Low | 3.40% | 4.05% |
Adjustments / Mo | 0.34 | 0.23 |
Volatility Score | 0.024 | 0.022 |
How to read these metrics(Click to expand)
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