BMO Alto vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BMO AltoSavings Account Jan 7, 2026 | Zynlo BankTomorrow Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.25% | 3.85% |
Est. Earnings | $5,000+$163 $10,000+$325 $25,000+$813 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $0 | $10 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | 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 4.21% APY.
Comparison Analysis
Comparing BMO Alto vs. Zynlo Bank
As of BMO Alto offers an APY of 3.25% for its 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 $60 more than BMO Alto on a $10,000 balance after one year. BMO Alto pays $325, while Zynlo Bank pays $385 - an APY advantage for Zynlo Bank.
Why BMO Alto?
No distinct advantages found vs Zynlo Bank.
Why Zynlo Bank?
- ✓Higher potential APY (3.85% vs 3.25%) on all balances
- ✓Higher rated iOS app (4.1 vs 0.0)
— Key Feature Differences —
Better Returns at $10,000
Zynlo BankZynlo Bank's Tomorrow Savings Account earns more on smaller deposits (approx. $385 vs $325/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $963 vs $813/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 $60 more interest on a $10,000 balance than BMO Alto's Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Zynlo Bank offers a competitive Tomorrow Savings Account with a notable APY of 3.85%, making it the winner among the two banks. This account does not require direct deposit and features a low minimum deposit of $10, with no maintenance fees. In comparison, BMO Alto provides a Savings Account with a lower APY of 3.25%, also with no direct deposit requirement and a minimum deposit of $0. Both accounts are online-only and FDIC insured, but Zynlo Bank stands out for its higher returns, especially beneficial for those looking to maximize their savings.
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
BMO Alto vs. Zynlo Bank Savings Calculator
You earn $60 more with Zynlo Bank than BMO Alto 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.
BMO Alto
Savings Account
Savings Breakdown
- Interest Earned+$325.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,325.00
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 | BMO Alto | Zynlo Bank |
|---|---|---|
| APY | 3.25% Verified: 1/7/2026 Stable (90d) | 3.85% Verified: 1/7/2026 ↘︎ 0.35%90d Change |
| Product Name | 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 | iOS- Android- | iOS4.1 Android3.5 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at BMO Alto 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 | BMO Alto | Zynlo Bank |
|---|---|---|
| Savings Account | Tomorrow Savings Account | |
Current APY | 3.25% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.5 | -3.8 |
Days Since Change | 110 | 9 |
10-Month High | 3.70% | 4.35% |
10-Month Low | 3.25% | 3.85% |
Adjustments / Mo | 0.30 | 0.30 |
Volatility Score | 0.050 | 0.033 |
How to read these metrics(Click to expand)
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