Openbank vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | OpenbankHigh-Yield Savings Account Jan 7, 2026 | Zynlo BankTomorrow Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.20% | 3.85% |
Est. Earnings | $5,000+$210 $10,000+$420 $25,000+$1,050 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $500 | $10 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow Minimums | FDIC InsuredLow MinimumsGreat iOS App |
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
As of Openbank offers an APY of 4.20% for its High-Yield 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.
Openbank pays $35 more than Zynlo Bank on a $10,000 balance after one year. Openbank pays $420, while Zynlo Bank pays $385 - an APY advantage for Openbank.
Why Openbank?
- ✓Higher potential APY (4.20% 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. $420 vs $385/yr).
Better Returns at $25,000
OpenbankOpenbank's High-Yield Savings Account pulls ahead with larger amounts (approx. $1050 vs $963/yr).
Best for Simplicity
OpenbankOpenbank's High-Yield Savings Account offers 4.20% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Openbank's High-Yield Savings Account pays $35 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
Openbank offers a High-Yield Savings Account with a competitive APY of 4.20%, making it the clear winner over Zynlo Bank's Tomorrow Savings Account, which has an APY of 3.85%. Openbank's account stands out for its simplicity, requiring no direct deposit and having no maintenance fees, while also allowing a minimum deposit of $500. In contrast, Zynlo Bank's account requires only a $10 minimum deposit but yields a lower APY. Both accounts are online-only and provide FDIC insurance.
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
Openbank vs. Zynlo Bank Savings Calculator
You earn $35 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+$420.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,420.00
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 | Openbank | Zynlo Bank |
|---|---|---|
| APY | 4.20% Verified: 1/7/2026 Stable (90d) | 3.85% Verified: 1/7/2026 ↘︎ 0.35%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 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS3.1 Android2.9 | iOS4.1 Android3.5 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | Not Rated | 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 | 4.20% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.5 | -3.8 |
Days Since Change | 169 | 9 |
10-Month High | 4.40% | 4.35% |
10-Month Low | 4.20% | 3.85% |
Adjustments / Mo | 0.20 | 0.30 |
Volatility Score | 0.020 | 0.033 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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