Pibank vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | PibankPibank Savings Jan 21, 2026 | Zynlo BankTomorrow Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 4.60% | 3.85% |
Est. Earnings | $5,000+$230 $10,000+$460 $25,000+$1,150 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $0 | $10 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo 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 Pibank vs. Zynlo Bank
As of Pibank offers an APY of 4.60% for its Pibank Savings account, with a minimum balance of $0.01, compared to Zynlo Bank's 3.85% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
Pibank pays $75 more than Zynlo Bank on a $10,000 balance after one year. Pibank pays $460, while Zynlo Bank pays $385 - an APY advantage for Pibank.
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.85%) on all balances
Why Zynlo Bank?
- ✓Higher rated iOS app (4.1 vs 2.3)
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $385/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $963/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $75 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
Pibank offers a competitive Pibank Savings account with a notable APY of 4.60%, making it the clear winner compared to Zynlo Bank's Tomorrow Savings Account, which has an APY of 3.85%. Pibank's account stands out for its simplicity, requiring no direct deposit and no maintenance fees, while also allowing for a minimum deposit of $0.01. In contrast, Zynlo Bank's account requires a minimum deposit of $10 but also has no maintenance fees. Both banks operate online only, providing accessible savings options without physical branches.
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
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Pibank vs. Zynlo Bank Savings Calculator
You earn $75 more with Pibank 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.
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
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 | Pibank | Zynlo Bank |
|---|---|---|
| APY | 4.60% Verified: 1/21/2026 Stable (90d) | 3.85% Verified: 1/21/2026 ↘︎ 0.35%90d Change |
| Product Name | Pibank Savings | Tomorrow Savings Account |
| Minimum Deposit | $0 | $10 |
| Min. Balance for APY | $0.01 | $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 | iOS2.3 Android1.7 | iOS4.1 Android3.5 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A | A+ |
| Next Steps | Visit SiteVerify at Pibank 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 | Pibank | Zynlo Bank |
|---|---|---|
| Pibank Savings | Tomorrow Savings Account | |
Current APY | 4.60% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -4.4 |
Days Since Change | 310 | 23 |
10-Month High | 4.60% | 4.35% |
10-Month Low | 4.60% | 3.85% |
Adjustments / Mo | 0.00 | 0.29 |
Volatility Score | 0.000 | 0.039 |
How to read these metrics(Click to expand)
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