Chase Bank vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Chase Bank
Chase Savings℠
0.01%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Chase Bank
Chase Savings℠
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 Chase Bank vs. Zynlo Bank
Why Chase Bank?
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.6 vs 3.5)
Why Zynlo Bank?
- ✓Higher potential APY (4.05% 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. $405 vs $1/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $1013 vs $3/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
Chase BankChase Bank offers an iOS app rated 4.8 (vs. 4.0) and Android app rated 4.6 (vs. 3.5)
Shared Benefits
Over a 1-year period, Zynlo Bank's Tomorrow Savings Account pays $404 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
Executive Summary
Zynlo Bank offers a standout product with its Tomorrow Savings Account, featuring a competitive APY of 4.05%, making it significantly more attractive than Chase Bank's Chase Savings℠, which has a minimal APY of 0.01%. Zynlo's account requires a low minimum deposit of $10 and has no maintenance fees, while Chase's account has a $5 maintenance fee that can be waived under certain conditions. Additionally, Zynlo's account is online-only, providing a simple and straightforward savings option without direct deposit requirements. In contrast, Chase Bank is noted for its superior mobile app experience. Overall, Zynlo Bank is the clear winner based on the higher APY.
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 Chase Bank and Zynlo Bank.
| Feature | Chase Bank | Zynlo Bank |
|---|---|---|
| APY | 0.01% Verified: 12/6/2025 Stable (90d) | 4.05% Verified: 12/6/2025 ↘︎ 0.30%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 Android4.6 | iOS4.0 Android3.5 |
| 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 |
Savings Comparison
Zynlo Bank earns $2,461.3 more than Chase Bank.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$5.70(0.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,005.70
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 | Chase Bank | Zynlo Bank |
|---|---|---|
| Chase Savings℠ | Tomorrow Savings Account | |
Current APY | 0.01% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | -2.6 |
Days Since Change | 264 | 14 |
9-Month High | 0.01% | 4.35% |
9-Month Low | 0.01% | 4.05% |
Adjustments / Mo | 0.00 | 0.23 |
Volatility Score | 0.000 | 0.022 |
How to read these metrics(Click to expand)
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