PNC vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | PNCPNC High Yield Savings Jan 7, 2026 | Zynlo BankTomorrow Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.30% | 3.85% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $0 | $10 |
Snapshot view. Rates subject to change. | ||
Terms | Eligibility restricted to select states. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredLow MinimumsGreat iOS App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing PNC vs. Zynlo Bank
As of PNC offers an APY of 3.30% for its PNC 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.
Zynlo Bank pays $55 more than PNC on a $10,000 balance after one year. PNC pays $330, while Zynlo Bank pays $385 - an APY advantage for Zynlo Bank.
In addition, PNC also offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why PNC?
- ✓Physical branch access (Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI)
- ✓Higher rated iOS app (4.9 vs 4.1)
- ✓Higher rated Android app (4.6 vs 3.5)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
Why Zynlo Bank?
- ✓Higher potential APY (3.85% vs 3.30%) on all balances
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
Zynlo BankZynlo Bank's Tomorrow Savings Account earns more on smaller deposits (approx. $385 vs $330/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $963 vs $825/yr).
Best for Simplicity
Zynlo BankZynlo Bank's Tomorrow Savings Account offers 3.85% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
PNCPNC offers an iOS app rated 4.9 (vs. 4.1) and Android app rated 4.6 (vs. 3.5)
Shared Benefits
Over a 1-year period, Zynlo Bank's Tomorrow Savings Account pays $55 more interest on a $10,000 balance than PNC's PNC High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Zynlo Bank's Tomorrow Savings Account offers a competitive APY of 3.85%, making it the highest-yielding option compared to PNC's High Yield Savings account, which provides an APY of 3.30%. Zynlo Bank's account is online-only and requires a minimum deposit of $10, while PNC's account has no minimum deposit requirement but is subject to eligibility restrictions in select states. Both accounts have no maintenance fees, and Zynlo Bank stands out for its simplicity, as it does not require direct deposit or bundling. Overall, Zynlo Bank presents a more attractive option for savers seeking higher returns.
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
PNC vs. Zynlo Bank Savings Calculator
You earn $55 more with Zynlo Bank than PNC 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.
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
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 | PNC | Zynlo Bank |
|---|---|---|
| APY | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change | 3.85% Verified: 1/7/2026 ↘︎ 0.35%90d Change |
| Product Name | PNC High Yield Savings | Tomorrow Savings Account |
| Minimum Deposit | $0 | $10 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.6 | iOS4.1 Android3.5 |
| Zelle® Support | Available Limit: $2,000/dayCentral to Virtual Wallet suite. | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | Eligibility restricted to select states. | - |
| Next Steps | Visit SiteVerify at PNC 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 | PNC | Zynlo Bank | |
|---|---|---|---|
| PNC High Yield Savings | Standard Savings | Tomorrow Savings Account | |
Current APY | 3.30% | 0.03% | 3.85% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -5.9 | 0.2 | -3.8 |
Days Since Change | 21 | 251 | 9 |
10-Month High | 3.95% | 0.03% | 4.35% |
10-Month Low | 3.30% | 0.01% | 3.85% |
Adjustments / Mo | 0.40 | 0.10 | 0.30 |
Volatility Score | 0.058 | 0.260 | 0.033 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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