Axos Bank vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Axos Bank
Axos ONE
4.31%APYDec 6, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Axos Bank
Axos ONE
Zynlo Bank
Tomorrow Savings Account
4.05%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
Zynlo Bank
Tomorrow Savings Account
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Axos Bank vs. Zynlo Bank
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (4.00%-4.31% vs 4.05%) on all balances
- ✓Higher rated iOS app (4.7 vs 4.0)
- ✓Higher rated Android app (4.6 vs 3.5)
- ✓Offers 2 different high-yield savings options
Why Zynlo Bank?
No distinct advantages found vs Axos Bank.
— Key Feature Differences —
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE earns more on smaller deposits (approx. $431 vs $405/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1077 vs $1013/yr).
Best for All-in-One Banking
Axos BankAxos Bank's Axos ONE pays a superior APY for customers who also open a checking account.
Best Mobile App Experience
Axos BankAxos Bank offers an iOS app rated 4.7 (vs. 4.0) and Android app rated 4.6 (vs. 3.5)
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $26 more interest on a $10,000 balance than Zynlo Bank's Tomorrow Savings Account.
Executive Summary
Axos Bank offers a competitive savings option with its Axos ONE account, which provides an APY of 4.31%, available through a savings and checking bundle. This account does not require direct deposit, though setting one up is the easiest way to earn the highest rate. In contrast, Zynlo Bank's Tomorrow Savings Account offers a slightly lower APY of 4.05% and also does not require direct deposit. Both accounts are online-only and have no maintenance fees, but Axos Bank stands out with its higher APY and additional features for bundled banking.
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 Axos Bank and Zynlo Bank.
| Feature | Axos Bank | Zynlo Bank |
|---|---|---|
| APY | 4.31% Verified: 12/6/2025 ↘︎ 0.15%90d Change | 4.05% Verified: 12/6/2025 ↘︎ 0.30%90d Change |
| Product Name | Axos ONE | 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 | Yes | No |
| Mobile Apps | iOS4.7 Android4.6 | iOS4.0 Android3.5 |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | - |
| Next Steps | SponsoredOpen Account |
Savings Comparison
Axos Bank earns $168.9 more than Zynlo Bank.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$2,635.90(12.8%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,635.90
Sponsored Link
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 | Axos Bank | Zynlo Bank | ||
|---|---|---|---|---|
| High Yield Savings | Summit Savings | Axos ONE | Tomorrow Savings Account | |
Current APY | 0.61% | 4.00% | 4.31% | 4.05% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -0.0 | 0.0 | -3.6 | -2.6 |
Days Since Change | 264 | 159 | 4 | 14 |
9-Month High | 0.61% | 4.00% | 4.86% | 4.35% |
9-Month Low | 0.61% | 4.00% | 4.31% | 4.05% |
Adjustments / Mo | 0.00 | 0.00 | 0.45 | 0.23 |
Volatility Score | 0.000 | 0.000 | 0.025 | 0.022 |
How to read these metrics(Click to expand)
Compare Similar Alternatives
Compare Axos Bank vs...
Comparing against other Bundled Accounts
Compare Zynlo Bank vs...
Comparing against Standard Savings