Presidential Bank vs. Zynlo Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
We earn a commission if you open an account through some links on this page.
Summary of Presidential Bank vs. Zynlo Bank
Key Metrics at a Glance
| Feature | Presidential Bank | Zynlo Bank |
|---|---|---|
| Top Savings APY | 4.50% Advantage Savings | 4.20% Tomorrow Savings Account |
| Minimum to Open | $5,000 | $10 |
| Minimum Balance for Top APY | N/A | $0.01 |
Presidential Bank
Strengths
- Presidential Bank offers a higher APY of 4.50% compared to Zynlo Bank's 4.20%.
- Presidential Bank has 10 branches in Maryland, Virginia, and Washington D.C.
- Presidential Bank's App Store rating is higher at 4.8 compared to Zynlo Bank's 4.0.
Potential Drawbacks
- To earn the higher APY, a monthly direct deposit of $500 is required.
- Presidential Bank's Google Play rating is lower at 4.2 compared to Zynlo Bank's 3.5.
Zynlo Bank
Strengths
- Zynlo Bank has no direct deposit requirement for its Tomorrow Savings Account.
- Zynlo Bank has a lower minimum deposit of $10, making it more accessible.
Potential Drawbacks
- Zynlo Bank's APY decreased from 4.35% to 4.20% in the last 30 days.
- Zynlo Bank has no physical branches, operating online only.
→ As of October 21, 2025 Presidential Bank offers an APY of 4.50% for its Advantage Savings account, with a minimum balance of N/A, compared to Zynlo Bank's 4.20% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
→ Presidential Bank yields $30 more than Zynlo Bank on a $10,000 balance after one year. Presidential Bank pays $450, while Zynlo Bank pays $420 - an APY advantage for Presidential Bank.
Calculate Savings Growth for Presidential Bank vs Zynlo Bank
Presidential Bank - Advantage Savings
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
Total balance: $20,760.1
Earnings: $2,760.1
Bank OverviewZynlo Bank - Tomorrow Savings Account
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
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, Presidential Bank's total earnings would be $195.8 higher than Zynlo Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Presidential Bank's vs Zynlo Bank's Savings Accounts
| Presidential Bank | Zynlo Bank | ||
|---|---|---|---|
| Product | Advantage Savings | vs | Tomorrow Savings Account |
| APY | 4.00% - 4.50% (as of 10/21/2025) | 4.20% (as of 10/21/2025) | |
| Bundled Account | Yes | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $5,000 | $10 | |
| Minimum Balance for APY | N/A | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | Yes. To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. | No | |
| App Store Rating | 4.8/5 | 4.0/5 | |
| Google Play Rating | 4.2/5 | 3.5/5 | |
| BBB Rating | A- | A+ |
Comparative Historical APY Insights (Last 7 Months)
| Presidential Bank | Zynlo Bank | ||
|---|---|---|---|
| Product | Advantage Savings | vs | Tomorrow Savings Account |
| Latest APY | 4.50 % | 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) | 4.50 % | 4.35 % | |
| Low (-7 m) | 4.50 % | 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.