Citizens Access vs. Zynlo Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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Summary of Citizens Access™ vs. Zynlo Bank
Key Metrics at a Glance
| Feature | Citizens Access™ | Zynlo Bank |
|---|---|---|
| Top Savings APY | 3.50% Citizens Access® Savings | 4.20% Tomorrow Savings Account |
| Minimum to Open | $0.01 | $10 |
| Minimum Balance for Top APY | $0.01 | $0.01 |
Citizens Access™
Strengths
- Citizens Access™ offers a competitive APY of 3.50%.
- Citizens Access™ has a high App Store rating of 4.8.
- No maintenance fees for the Citizens Access® Savings account.
Potential Drawbacks
- Citizens Access™ does not offer a direct deposit option.
- No branches available for Citizens Access™ customers.
Zynlo Bank
Strengths
- Zynlo Bank provides a higher APY of 4.20%.
- Zynlo Bank has no maintenance fees for the Tomorrow Savings Account.
Potential Drawbacks
- Zynlo Bank's APY decreased from 4.35% in the last 30 days.
- Zynlo Bank has a lower App Store rating of 4.0 and Google Play rating of 3.5.
- Zynlo Bank is not BBB Accredited despite having an A+ rating.
→ As of October 16, 2025 Citizens Access™ offers an APY of 3.50% for its Citizens Access® Savings account, with a minimum balance of $0.01, compared to Zynlo Bank's 4.20% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
→ Zynlo Bank yields $70 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $350, while Zynlo Bank pays $420 - an APY advantage for Zynlo Bank.
Calculate Savings Growth for Citizens Access™ vs Zynlo Bank
Citizens Access™
Total savings breakdown:
- Interest earned: $2,114.1 (10.51%)
- Total contributions: $13,000 (64.63%)
- Initial deposit: $5,000 (24.86%)
Your total balance
$20,114.10
Total balance: $20,114.1
Earnings: $2,114.1
Bank OverviewZynlo Bank
Total savings breakdown:
- Interest earned: $2,564.3 (12.47%)
- Total contributions: $13,000 (63.22%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,564.30
Total balance: $20,564.3
Earnings: $2,564.3
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Citizens Access™'s total earnings would be $450.2 lower than Zynlo Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Citizens Access™'s vs Zynlo Bank's Savings Accounts
| Citizens Access™ | Zynlo Bank | ||
|---|---|---|---|
| Product | Citizens Access® Savings | vs | Tomorrow Savings Account |
| APY | 3.50% (as of 10/16/2025) | 4.20% (as of 10/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0.01 | $10 | |
| Minimum Balance for APY | $0.01 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.8/5 | 4.0/5 | |
| Google Play Rating | 4.8/5 | 3.5/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 7 Months)
| Citizens Access™ | Zynlo Bank | ||
|---|---|---|---|
| Product | Citizens Access® Savings | vs | Tomorrow Savings Account |
| Latest APY | 3.50 % | 4.20 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.9 | -0.5 | |
| Rate Changes / Mo | 0.14 | 0.14 | |
| Days Since Last Change | 78 | 7 | |
| High (-7 m) | 3.70 % | 4.35 % | |
| Low (-7 m) | 3.50 % | 4.20 % | |
| Draw-down from High | -5.4 % | -3.4 % | |
| Volatility (CV) | 0.027 | 0.007 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 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 (-7 m)
- Highest APY in the last 214 days.
- Low (-7 m)
- Lowest APY in the last 214 days.
- Draw-down from High
- How far today sits below the 7-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.