Citizens Access™ vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Citizens Access™
Citizens Access® Savings
3.35%APYDec 5, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® 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 Citizens Access™ vs. Zynlo Bank
Why Citizens Access™?
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.8 vs 3.5)
Why Zynlo Bank?
- ✓Higher potential APY (4.05% vs 3.35%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Zynlo BankZynlo Bank's Tomorrow Savings Account earns more on smaller deposits (approx. $405 vs $335/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $1013 vs $838/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
Citizens Access™Citizens Access™ offers an iOS app rated 4.8 (vs. 4.0) and Android app rated 4.8 (vs. 3.5)
Shared Benefits
Over a 1-year period, Zynlo Bank's Tomorrow Savings Account pays $70 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
Zynlo Bank offers the Tomorrow Savings Account with a competitive APY of 4.05%, making it the winner in this comparison. This account is online-only and requires a minimum deposit of $10, but has no maintenance fees or direct deposit requirements, providing a straightforward savings option. In contrast, Citizens Access™ features a savings account with an APY of 3.35%. While it also has no minimum balance requirements and is online-only, Zynlo Bank's higher yield makes it a more attractive choice for savers looking to maximize their returns.
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 Citizens Access™ and Zynlo Bank.
| Feature | Citizens Access™ | Zynlo Bank |
|---|---|---|
| APY | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change | 4.05% Verified: 12/6/2025 ↘︎ 0.30%90d Change |
| Product Name | Citizens Access® Savings | Tomorrow Savings Account |
| Minimum Deposit | $0.01 | $10 |
| Min. Balance for APY | $0.01 | $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 | iOS4.8 Android4.8 | iOS4.0 Android3.5 |
| BBB Rating | A+ | A+ |
| Next Steps |
Savings Comparison
Zynlo Bank earns $448.2 more than Citizens Access™.
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$2,018.80(10.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,018.80
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 | Citizens Access™ | Zynlo Bank |
|---|---|---|
| Citizens Access® Savings | Tomorrow Savings Account | |
Current APY | 3.35% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.7 | -2.6 |
Days Since Change | 37 | 14 |
9-Month High | 3.70% | 4.35% |
9-Month Low | 3.35% | 4.05% |
Adjustments / Mo | 0.23 | 0.23 |
Volatility Score | 0.038 | 0.022 |
How to read these metrics(Click to expand)
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