Chase Bank vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Chase BankChase Savings℠ Jan 21, 2026 | Zynlo BankTomorrow Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 0.01% | 3.85% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $0 | $10 |
Snapshot view. Rates subject to change. | ||
Terms | 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. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® 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 Chase Bank vs. Zynlo Bank
As of Chase Bank offers an APY of 0.01% for its Chase 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 $384 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, while Zynlo Bank pays $385 - an APY advantage for Zynlo Bank.
Why Chase Bank?
- ✓Higher rated iOS app (4.8 vs 4.1)
- ✓Higher rated Android app (4.7 vs 3.5)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
Why Zynlo Bank?
- ✓Higher potential APY (3.85% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
Zynlo BankZynlo Bank's Tomorrow Savings Account earns more on smaller deposits (approx. $385 vs $1/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $963 vs $3/yr).
Best for Simplicity
Zynlo BankZynlo Bank's Tomorrow Savings Account offers 3.85% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Chase BankChase Bank offers an iOS app rated 4.8 (vs. 4.1) and Android app rated 4.7 (vs. 3.5)
Shared Benefits
Over a 1-year period, Zynlo Bank's Tomorrow Savings Account pays $384 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Zynlo Bank offers a significant advantage with its Tomorrow Savings Account, featuring a competitive APY of 3.85%, which is substantially higher than Chase Bank's Chase Savings℠ at 0.01%. Zynlo's account requires a minimum deposit of $10 and has no maintenance fees, making it an attractive option for savers. Additionally, it is an online-only product, providing simplicity without the need for direct deposit or account bundling. In contrast, Chase Bank provides a well-rated mobile app experience but falls short in terms of interest rates, with its APY being much lower. Overall, Zynlo Bank stands out as the more favorable choice for savings.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
Chase Bank vs. Zynlo Bank Savings Calculator
You earn $384 more with Zynlo Bank than Chase Bank 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.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
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 | Chase Bank | Zynlo Bank |
|---|---|---|
| APY | 0.01% Verified: 1/21/2026 Stable (90d) | 3.85% Verified: 1/21/2026 ↘︎ 0.35%90d Change |
| Product Name | Chase Savings℠ | Tomorrow Savings Account |
| Minimum Deposit | $0 | $10 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $5 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.7 | iOS4.1 Android3.5 |
| Zelle® Support | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. | Not Supported |
| BBB Rating | A- | A+ |
| Important Notes | 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. | - |
| Next Steps | Visit SiteVerify at Chase Bank 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 | Chase Bank | Zynlo Bank |
|---|---|---|
| Chase Savings℠ | Tomorrow Savings Account | |
Current APY | 0.01% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -4.4 |
Days Since Change | 310 | 23 |
10-Month High | 0.01% | 4.35% |
10-Month Low | 0.01% | 3.85% |
Adjustments / Mo | 0.00 | 0.29 |
Volatility Score | 0.000 | 0.039 |
How to read these metrics(Click to expand)
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