Fitness Bank vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
4.75%APYDec 6, 2025FDIC InsuredChecking BundleLow MinimumsShow Fine Print & Trends Hide Details
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Zynlo Bank
Tomorrow Savings Account
4.05%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
Zynlo Bank
Tomorrow Savings Account
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Fitness Bank vs. Zynlo Bank
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 4.05%) on all balances
- ✓Offers 2 different high-yield savings options
Why Zynlo Bank?
- ✓Higher rated iOS app (4.0 vs 1.7)
— Key Feature Differences —
Better Returns at $10,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo earns more on smaller deposits (approx. $475 vs $405/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $1013/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.45% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $70 more interest on a $10,000 balance than Zynlo Bank's Tomorrow Savings Account.
Executive Summary
Fitness Bank offers a competitive Fitness Elite Checking & Fitness Savings Combo with an APY of 4.75%, making it the optimal choice for those who can meet the account's requirements, including maintaining a $5,000 average balance and making 15 debit card transactions. In contrast, Zynlo Bank's Tomorrow Savings Account provides a lower APY of 4.05% but has no maintenance fees and a minimal balance requirement of just $0.01. Fitness Bank's offerings are tiered and require tracking daily steps to achieve the highest rates, while Zynlo Bank's account is straightforward with no such conditions.
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 Fitness Bank and Zynlo Bank.
| Feature | Fitness Bank | Zynlo Bank |
|---|---|---|
| APY | 4.75% Verified: 12/6/2025 Stable (90d) | 4.05% Verified: 12/6/2025 ↘︎ 0.30%90d Change |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | Tomorrow Savings Account |
| Minimum Deposit | $100 | $10 |
| Min. Balance for APY | $100 | $0.01 |
| Monthly Fee | $10. Waived for average daily balances > $100 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS1.7 Android0.0 | iOS4.0 Android3.5 |
| BBB Rating | A+ | A+ |
| Important Notes | This is a tiered account. To earn the highest tier you must make 15 debit card transactions per Account Period, maintain $5,000 avg. minimum balance in the Elite Checking account, track at least 10,000 avg. daily steps using the FitnessBank Step Tracker app, as well as maintain a savings balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers. | - |
| Next Steps |
Savings Comparison
Fitness Bank earns $457.7 more than Zynlo Bank.
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$2,924.70(14.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,924.70
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 | Fitness Bank | Zynlo Bank | |
|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | Tomorrow Savings Account | |
Current APY | 4.75% | 4.45% | 4.05% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -4.0 | -1.6 | -2.6 |
Days Since Change | 94 | 94 | 14 |
9-Month High | 5.00% | 4.55% | 4.35% |
9-Month Low | 4.75% | 4.45% | 4.05% |
Adjustments / Mo | 0.23 | 0.23 | 0.23 |
Volatility Score | 0.024 | 0.010 | 0.022 |
How to read these metrics(Click to expand)
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