EverBank vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | EverBankPerformance Savings Jan 21, 2026 | Zynlo BankTomorrow Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.90% | 3.85% |
Est. Earnings | $5,000+$195 $10,000+$390 $25,000+$975 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $0 | $10 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® 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 EverBank vs. Zynlo Bank
As of EverBank offers an APY of 3.90% for its Performance 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.
EverBank pays $5 more than Zynlo Bank on a $10,000 balance after one year. EverBank pays $390, while Zynlo Bank pays $385 - an APY advantage for EverBank.
Why EverBank?
- ✓Physical branch access (11 locations in Florida and California)
- ✓Higher rated iOS app (4.7 vs 4.1)
- ✓Higher rated Android app (4.8 vs 3.5)
- ✓Fast transfers via Zelle®
Why Zynlo Bank?
No distinct advantages found vs EverBank.
— Key Feature Differences —
Best Mobile App Experience
EverBankEverBank offers an iOS app rated 4.7 (vs. 4.1) and Android app rated 4.8 (vs. 3.5)
Shared Benefits
Over a 1-year period, EverBank's Performance Savings pays $5 more interest on a $10,000 balance than Zynlo Bank's Tomorrow Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
EverBank offers a Performance Savings account with a competitive APY of 3.90%, making it the top choice between the two banks. This account has no minimum deposit or maintenance fees and is available online only. In comparison, Zynlo Bank's Tomorrow Savings Account provides a slightly lower APY of 3.85% but also features no minimum balance requirement and no maintenance fees, and is likewise an online-only product. Both accounts do not require direct deposit, providing flexibility for account holders.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
EverBank vs. Zynlo Bank Savings Calculator
You earn $5 more with EverBank than Zynlo 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.
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
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 | EverBank | Zynlo Bank |
|---|---|---|
| APY | 3.90% Verified: 1/21/2026 ↘︎ 0.15%90d Change | 3.85% Verified: 1/21/2026 ↘︎ 0.35%90d Change |
| Product Name | Performance Savings | 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 | iOS4.7 Android4.8 | iOS4.1 Android3.5 |
| Zelle® Support | Available Native integration verified. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at EverBank 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 | EverBank | Zynlo Bank |
|---|---|---|
| Performance Savings | Tomorrow Savings Account | |
Current APY | 3.90% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.4 | -4.4 |
Days Since Change | 33 | 23 |
10-Month High | 4.30% | 4.35% |
10-Month Low | 3.90% | 3.85% |
Adjustments / Mo | 0.19 | 0.29 |
Volatility Score | 0.037 | 0.039 |
How to read these metrics(Click to expand)
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