Openbank vs. Zynlo Bank
Comparing Openbank and Zynlo Bank for high-yield savings: Openbank's High-Yield Savings Account pays 4.09% APY while Zynlo Bank's Tomorrow Savings Account pays 3.85% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Openbank pays $24 more than Zynlo Bank annually ($409 vs $385).
Choose Openbank if getting the best rate matters most, or choose Zynlo Bank if mobile app quality matters.
| Metric | OpenbankHigh-Yield Savings Account Feb 21, 2026 | Zynlo BankTomorrow Savings Account Feb 21, 2026 |
|---|---|---|
| APY | 4.09% | 3.85% |
Est. Earnings | $5,000+$205 $10,000+$409 $25,000+$1,023 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $500 | $10 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsRate Changes Often | FDIC InsuredLow MinimumsGreat iOS AppDaily CompoundingRate Changes Often |
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 Openbank vs. Zynlo Bank
Executive Summary
Openbank's High-Yield Savings Account offers a competitive APY of 4.09%, making it the superior choice compared to Zynlo Bank's Tomorrow Savings Account, which has an APY of 3.85%. Openbank's account requires a minimum deposit of $500, but has no maintenance fees or direct deposit requirements, providing a straightforward savings option. In contrast, Zynlo Bank's account has a lower minimum deposit of $10 and also imposes no fees, but its APY is less attractive. Both accounts are online-only and FDIC insured.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Openbank?
- ✓Higher potential APY (4.09% vs 3.85%) on all balances
Why Zynlo Bank?
- ✓Higher rated iOS app (4.1 vs 3.1)
— Key Feature Differences —
Better Returns at $10,000
OpenbankOpenbank's High-Yield Savings Account earns more on smaller deposits (approx. $409 vs $385/yr).
Better Returns at $25,000
OpenbankOpenbank's High-Yield Savings Account pulls ahead with larger amounts (approx. $1023 vs $963/yr).
Best for Simplicity
OpenbankOpenbank's High-Yield Savings Account offers 4.09% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Openbank's High-Yield Savings Account pays $24 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Openbank vs. Zynlo Bank Savings Calculator
You earn $24 more with Openbank 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.
Openbank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$409.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,409.00
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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $384 per year in interest.
Both Openbank and Zynlo Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Openbank | Zynlo Bank |
|---|---|---|
| APY | 4.09% Verified: 2/21/2026 ↘︎ 0.11%90d Change | 3.85% Verified: 2/21/2026 ↘︎ 0.20%90d Change |
| Product Name | High-Yield Savings Account | Tomorrow Savings Account |
| Minimum Deposit | $500 | $10 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A- | A+ |
| Next Steps | Visit SiteVerify at Openbank 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 | Openbank | Zynlo Bank |
|---|---|---|
| High-Yield Savings Account | Tomorrow Savings Account | |
Current APY | 4.09% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.4 | -5.1 |
Days Since Change | 16 | 54 |
11-Month High | 4.40% | 4.35% |
11-Month Low | 4.09% | 3.85% |
Adjustments / Mo | 0.26 | 0.26 |
Volatility Score | 0.021 | 0.047 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare Openbank's APY of 4.09% with other banks
Compare Zynlo Bank's APY of 3.85% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Zynlo Bank vs Ally Bank | 3.20% | $0 |
| Zynlo Bank vs American Express | 3.30% | $0 |
| Zynlo Bank vs Axos Bank | 4.21% | $0 |
| Zynlo Bank vs Bank of America | 0.01% | $100 |
| Zynlo Bank vs Barclays | 3.85% | $0 |
| Zynlo Bank vs Capital One | 3.30% | $0 |
| Zynlo Bank vs Chase Bank | 0.01% | $0 |
| Zynlo Bank vs Chime | 3.00% | $0 |
| Zynlo Bank vs CIT Bank | 3.75% | $100 |
| Zynlo Bank vs Citibank | 3.20% | $0 |
| Zynlo Bank vs Discover Bank | 3.30% | $0 |
| Zynlo Bank vs EverBank | 3.90% | $0 |
| Zynlo Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Zynlo Bank vs Newtek Bank | 4.20% | $0.01 |
| Zynlo Bank vs Pibank | 4.60% | $0 |
| Zynlo Bank vs SoFi Bank | 4.00% | $0 |
| Zynlo Bank vs Synchrony Bank | 3.50% | $0 |
| Zynlo Bank vs Varo Bank | 5.00% | $0 |
| Zynlo Bank vs Wealthfront | 3.95% | $0 |
| Zynlo Bank vs Wells Fargo | 0.05% | $25 |