Chase Bank vs Zynlo Bank
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
We earn a commission if you open an account through some links on this page.
Summary of Chase Bank vs. Zynlo Bank
As of September 5, 2025 Chase Bank offers an APY of 0.01% for its Chase Savings℠ account, with a minimum balance of $0, compared to Zynlo Bank's 4.35% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
Zynlo Bank yields $434 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, while Zynlo Bank pays $435 - an APY advantage for Zynlo Bank.
Chase Bank
Strengths
- Chase Bank has a solid BBB rating of A-.
- Chase Bank offers a mobile app with a high App Store rating of 4.8.
Potential Drawbacks
- Chase Savings℠ has a low APY of 0.01%.
- Chase Bank charges a maintenance fee of $5 unless conditions are met.
Zynlo Bank
Strengths
- Zynlo Bank offers a competitive APY of 4.35%.
- Zynlo Bank has no maintenance fees for the Tomorrow Savings Account.
Potential Drawbacks
- Zynlo Bank's App Store rating is only 4.0.
- Zynlo Bank is not BBB accredited despite an A+ rating.
Summary: Chase Bank offers a lower APY of 0.01% and charges a $5 maintenance fee, while Zynlo Bank provides a much higher APY of 4.35% with no fees. However, Chase Bank has a better App Store rating of 4.8 compared to Zynlo's 4.0. Zynlo's A+ BBB rating is notable, but it lacks accreditation, unlike Chase's A- rating.
Compare Chase Bank's vs Zynlo Bank's Savings Accounts
| Chase Bank | Zynlo Bank | ||
|---|---|---|---|
| Product | Chase Savings℠ | vs | Tomorrow Savings Account |
| APY | 0.01% (as of 9/5/2025) | 4.35% (as of 9/5/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $0 | $10 | |
| Minimum Balance for APY | $0 | $0.01 | |
| Maintenance Fee | $5 | $0 | |
| Direct Deposit Required | No | No | |
| Note | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | ||
| App Store Rating | 4.8/5 | 4.0/5 | |
| Google Play Rating | 4.5/5 | 3.5/5 | |
| BBB Rating | A- | A+ |
Comparative Historical APY Insights (Last 6 Months)
| Chase Bank | Zynlo Bank | ||
|---|---|---|---|
| Product | Chase Savings℠ | vs | Tomorrow Savings Account |
| Latest APY | 0.01 % | 4.35 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -0.0 | 0.0 | |
| Rate Changes / Mo | 0.00 | 0.00 | |
| Days Since Last Change | 172 | 172 | |
| High (-6 m) | 0.01 % | 4.35 % | |
| Low (-6 m) | 0.01 % | 4.35 % | |
| Draw-down from High | 0.0 % | 0.0 % | |
| Volatility (CV) | 0.000 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 6 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-6 m)
- Highest APY in the last 173 days.
- Low (-6 m)
- Lowest APY in the last 173 days.
- Draw-down from High
- How far today sits below the 6-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
Calculate Savings Growth for Chase Bank vs Zynlo Bank
All calculations are based on APY.
Chase Bank
APY: 0.01%
Total savings breakdown:
- Interest earned: $5.7 (0.03%)
- Total contributions: $13,000 (72.20%)
- Initial deposit: $5,000 (27.77%)
Your total balance
$18,005.70
Effective APY: 0.01% (based on your deposit and contributions)
Total balance: $18,005.7
Earnings: $5.7
Bank OverviewZynlo Bank
APY: 4.35%
Total savings breakdown:
- Interest earned: $2,662 (12.88%)
- Total contributions: $13,000 (62.92%)
- Initial deposit: $5,000 (24.20%)
Your total balance
$20,662.00
Effective APY: 4.35% (based on your deposit and contributions)
Total balance: $20,662
Earnings: $2,662
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Chase Bank's total earnings would be $2,656.3 lower than Zynlo Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare Chase Bank's APY of 0.01% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Chase Bank vs Ally Bank | 3.50% | $0 |
| Chase Bank vs American Express | 3.50% | $0 |
| Chase Bank vs Axos Bank | 4.46% | $0 |
| Chase Bank vs Bank of America | 0.01% | $100 |
| Chase Bank vs Barclays | 4.10% | $0 |
| Chase Bank vs BrioDirect | 4.30% | $5,000 |
| Chase Bank vs Capital One | 3.50% | $0 |
| Chase Bank vs Chime | 3.75% | $0 |
| Chase Bank vs CIT Bank | 4.00% | $100 |
| Chase Bank vs Discover Bank | 3.50% | $0 |
| Chase Bank vs Elevault | 4.60% | $0 |
| Chase Bank vs EverBank | 4.30% | $0 |
| Chase Bank vs Fitness Bank | 4.75% | $100 |
| Chase Bank vs FVCbank | 4.35% | $500 |
| Chase Bank vs GO2bank | 4.50% | $0 |
| Chase Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Chase Bank vs Neighbors Bank | 4.60% | $0 |
| Chase Bank vs Newtek Bank | 4.35% | $0 |
| Chase Bank vs Peak Bank | 4.35% | $100 |
| Chase Bank vs Pibank | 4.60% | $0 |
| Chase Bank vs Presidential Bank | 4.50% | $5,000 |
| Chase Bank vs Santander Bank | 0.03% | $25 |
| Chase Bank vs SoFi Bank | 3.80% | $0 |
| Chase Bank vs Synchrony Bank | 3.80% | $0 |
| Chase Bank vs TIMBR | 4.40% | $1,000 |
| Chase Bank vs UFB Direct | 4.21% | $5000 |
| Chase Bank vs Varo Bank | 5.00% | $0 |
| Chase Bank vs Wells Fargo | 2.51% | $25 |
Compare Zynlo Bank's APY of 4.35% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Zynlo Bank vs Ally Bank | 3.50% | $0 |
| Zynlo Bank vs American Express | 3.50% | $0 |
| Zynlo Bank vs Axos Bank | 4.46% | $0 |
| Zynlo Bank vs Bank of America | 0.01% | $100 |
| Zynlo Bank vs Barclays | 4.10% | $0 |
| Zynlo Bank vs BrioDirect | 4.30% | $5,000 |
| Zynlo Bank vs Capital One | 3.50% | $0 |
| Zynlo Bank vs Chime | 3.75% | $0 |
| Zynlo Bank vs CIT Bank | 4.00% | $100 |
| Zynlo Bank vs Discover Bank | 3.50% | $0 |
| Zynlo Bank vs Elevault | 4.60% | $0 |
| Zynlo Bank vs EverBank | 4.30% | $0 |
| Zynlo Bank vs Fitness Bank | 4.75% | $100 |
| Zynlo Bank vs FVCbank | 4.35% | $500 |
| Zynlo Bank vs GO2bank | 4.50% | $0 |
| Zynlo Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Zynlo Bank vs Neighbors Bank | 4.60% | $0 |
| Zynlo Bank vs Newtek Bank | 4.35% | $0 |
| Zynlo Bank vs Peak Bank | 4.35% | $100 |
| Zynlo Bank vs Pibank | 4.60% | $0 |
| Zynlo Bank vs Presidential Bank | 4.50% | $5,000 |
| Zynlo Bank vs Santander Bank | 0.03% | $25 |
| Zynlo Bank vs SoFi Bank | 3.80% | $0 |
| Zynlo Bank vs Synchrony Bank | 3.80% | $0 |
| Zynlo Bank vs TIMBR | 4.40% | $1,000 |
| Zynlo Bank vs UFB Direct | 4.21% | $5000 |
| Zynlo Bank vs Varo Bank | 5.00% | $0 |
| Zynlo Bank vs Wells Fargo | 2.51% | $25 |