Pibank vs. Zynlo Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Pibank vs. Zynlo Bank
Key Metrics at a Glance
| Feature | Pibank | Zynlo Bank |
|---|---|---|
| Top Savings APY | 4.60% Pibank Savings | 4.20% Tomorrow Savings Account |
| Minimum to Open | $0 | $10 |
| Minimum Balance for Top APY | $0.01 | $0.01 |
Pibank
Strengths
- Pibank offers a higher APY of 4.60% compared to Zynlo Bank's 4.20%.
- Pibank has no minimum deposit requirement for the savings account.
- Pibank charges no maintenance fees on its savings account.
Potential Drawbacks
- Pibank has a low App Store rating of 2.4.
- Pibank has a low Google Play rating of 1.7.
- Pibank is not BBB accredited.
Zynlo Bank
Strengths
- Zynlo Bank has a higher BBB rating of A+.
- Zynlo Bank has a better App Store rating of 4.0.
- Zynlo Bank has a better Google Play rating of 3.5.
Potential Drawbacks
- Zynlo Bank's APY is lower at 4.20% compared to Pibank's 4.60%.
- Zynlo Bank requires a minimum deposit of $10 for its savings account.
- Zynlo Bank is not BBB accredited.
Summary: Pibank offers a more attractive APY of 4.60% with no minimum deposit or maintenance fees, while Zynlo Bank has a lower APY of 4.20% but features a better BBB rating and higher app ratings. Both banks lack BBB accreditation, but Pibank's significantly lower app ratings may be a concern for users. Overall, Pibank is better for higher yields, while Zynlo Bank excels in customer ratings.
→ As of October 21, 2025 Pibank offers an APY of 4.60% for its Pibank Savings account, with a minimum balance of $0.01, compared to Zynlo Bank's 4.20% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
→ Pibank yields $40 more than Zynlo Bank on a $10,000 balance after one year. Pibank pays $460, while Zynlo Bank pays $420 - an APY advantage for Pibank.
Calculate Savings Growth for Pibank vs Zynlo Bank
All calculations are based on APY.
Pibank - Pibank Savings
Top APY: 4.60%
Total savings breakdown:
- Interest earned: $2,825.8 (13.57%)
- Total contributions: $13,000 (62.42%)
- Initial deposit: $5,000 (24.01%)
Your total balance
$20,825.80
Effective APY: 4.60% (based on your deposit and contributions)
Total balance: $20,825.8
Earnings: $2,825.8
Bank OverviewZynlo Bank - Tomorrow Savings Account
Top APY: 4.20%
Total savings breakdown:
- Interest earned: $2,564.3 (12.47%)
- Total contributions: $13,000 (63.22%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,564.30
Effective APY: 4.20% (based on your deposit and contributions)
Total balance: $20,564.3
Earnings: $2,564.3
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Pibank's total earnings would be $261.5 higher than Zynlo Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Pibank's vs Zynlo Bank's Savings Accounts
| Pibank | Zynlo Bank | ||
|---|---|---|---|
| Product | Pibank Savings | vs | Tomorrow Savings Account |
| APY | 4.60% (as of 10/21/2025) | 4.20% (as of 10/21/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0 | $10 | |
| Minimum Balance for APY | $0.01 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 2.4/5 | 4.0/5 | |
| Google Play Rating | 1.7/5 | 3.5/5 | |
| BBB Rating | A | A+ |
Comparative Historical APY Insights (Last 7 Months)
| Pibank | Zynlo Bank | ||
|---|---|---|---|
| Product | Pibank Savings | vs | Tomorrow Savings Account |
| Latest APY | 4.60 % | 4.20 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | -0.7 | |
| Rate Changes / Mo | 0.00 | 0.14 | |
| Days Since Last Change | 218 | 12 | |
| High (-7 m) | 4.60 % | 4.35 % | |
| Low (-7 m) | 4.60 % | 4.20 % | |
| Draw-down from High | 0.0 % | -3.4 % | |
| Volatility (CV) | 0.000 | 0.008 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-7 m)
- Highest APY in the last 219 days.
- Low (-7 m)
- Lowest APY in the last 219 days.
- Draw-down from High
- How far today sits below the 7-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
More Comparisons
Compare Pibank's APY of 4.60% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Pibank vs Ally Bank | 3.40% | $0 |
| Pibank vs American Express | 3.50% | $0 |
| Pibank vs Axos Bank | 4.51% | $0 |
| Pibank vs Bank of America | 0.01% | $100 |
| Pibank vs Barclays | 4.10% | $0 |
| Pibank vs Bask Bank | 4.05% | $0 |
| Pibank vs BrioDirect | 4.20% | $5,000 |
| Pibank vs Capital One | 3.40% | $0 |
| Pibank vs Chase Bank | 0.01% | $0 |
| Pibank vs Chime | 3.50% | $0 |
| Pibank vs CIT Bank | 3.85% | $100 |
| Pibank vs Citizens Access™ | 3.50% | $0.01 |
| Pibank vs Discover Bank | 3.40% | $0 |
| Pibank vs Elevault | 4.34% | $0 |
| Pibank vs EverBank | 4.05% | $0 |
| Pibank vs Fitness Bank | 4.75% | $100 |
| Pibank vs FNBO Direct | 3.00% | $1 |
| Pibank vs FVCbank | 4.10% | $500 |
| Pibank vs GO2bank | 4.50% | $0 |
| Pibank vs LendingClub | 4.20% | $0 |
| Pibank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Pibank vs Neighbors Bank | 4.50% | $0 |
| Pibank vs Newtek Bank | 4.35% | $0 |
| Pibank vs Peak Bank | 4.20% | $100 |
| Pibank vs Presidential Bank | 4.50% | $5,000 |
| Pibank vs Santander Bank | 0.01% | $25 |
| Pibank vs SoFi Bank | 4.50% | $0 |
| Pibank vs Synchrony Bank | 3.80% | $0 |
| Pibank vs TIMBR | 4.40% | $1,000 |
| Pibank vs UFB Direct | 3.96% | $5000 |
| Pibank vs Valley Direct | 4.10% | $1,000 |
| Pibank vs Varo Bank | 5.00% | $0 |
| Pibank vs Wells Fargo | 0.05% | $25 |