Discover Bank vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Discover Bank
Online Savings Account
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Discover Bank
Online Savings Account
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 Discover Bank vs. Zynlo Bank
Why Discover Bank?
- ✓Higher rated iOS app (4.9 vs 4.0)
- ✓Higher rated Android app (4.8 vs 3.5)
Why Zynlo Bank?
- ✓Higher potential APY (4.05% vs 3.40%) 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 $340/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $1013 vs $850/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
Discover BankDiscover Bank offers an iOS app rated 4.9 (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 $65 more interest on a $10,000 balance than Discover Bank's Online Savings Account.
Executive Summary
Zynlo Bank offers the Tomorrow Savings Account with a competitive APY of 4.05%, making it the higher-yielding option compared to Discover Bank's Online Savings Account, which has an APY of 3.40%. Both accounts are online-only, require no maintenance fees, and have no direct deposit requirements. Zynlo Bank's account is noted for providing better returns on various deposit amounts, enhancing its appeal for savers. While Discover Bank excels in mobile app experience, Zynlo Bank stands out for its simplicity and higher interest rates, making it the preferred choice for those seeking better 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 Discover Bank and Zynlo Bank.
| Feature | Discover Bank | Zynlo Bank |
|---|---|---|
| APY | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.05% Verified: 12/6/2025 ↘︎ 0.30%90d Change |
| Product Name | Online Savings Account | Tomorrow Savings Account |
| Minimum Deposit | $0 | $10 |
| Min. Balance for APY | $0 | $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 | iOS4.9 Android4.8 | iOS4.0 Android3.5 |
| BBB Rating | A+ | A+ |
| Next Steps |
Savings Comparison
Zynlo Bank earns $416.5 more than Discover Bank.
Discover Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
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 | Discover Bank | Zynlo Bank |
|---|---|---|
| Online Savings Account | Tomorrow Savings Account | |
Current APY | 3.40% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.7 | -2.6 |
Days Since Change | 67 | 14 |
9-Month High | 3.70% | 4.35% |
9-Month Low | 3.40% | 4.05% |
Adjustments / Mo | 0.34 | 0.23 |
Volatility Score | 0.029 | 0.022 |
How to read these metrics(Click to expand)
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