Quontic Bank vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Quontic BankHigh Yield Savings Jan 7, 2026 | Zynlo BankTomorrow Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.50% | 3.85% |
Est. Earnings | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $100 | $10 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® 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 Quontic Bank vs. Zynlo Bank
As of Quontic Bank offers an APY of 3.50% 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.
Zynlo Bank pays $35 more than Quontic Bank on a $10,000 balance after one year. Quontic Bank pays $350, while Zynlo Bank pays $385 - an APY advantage for Zynlo Bank.
Why Quontic Bank?
- ✓Higher rated iOS app (4.8 vs 4.1)
- ✓Higher rated Android app (4.9 vs 3.5)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
Why Zynlo Bank?
- ✓Higher potential APY (3.85% vs 3.50%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Zynlo BankZynlo Bank's Tomorrow Savings Account earns more on smaller deposits (approx. $385 vs $350/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $963 vs $875/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
Quontic BankQuontic Bank offers an iOS app rated 4.8 (vs. 4.1) and Android app rated 4.9 (vs. 3.5)
Shared Benefits
Over a 1-year period, Zynlo Bank's Tomorrow Savings Account pays $35 more interest on a $10,000 balance than Quontic Bank's 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 offers a competitive Tomorrow Savings Account with a higher APY of 3.85%, making it the winner in this comparison. This account is online-only, requires a minimum deposit of just $10, and has no maintenance fees or direct deposit requirements, which enhances its appeal for simplicity. In contrast, Quontic Bank's High Yield Savings account provides a solid APY of 3.50% but does not surpass Zynlo's offering. Quontic also features a strong mobile app experience, rated 4.8 for iOS and 4.9 for Android. Both banks provide FDIC insurance and have no minimum balance requirements.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
Quontic Bank vs. Zynlo Bank Savings Calculator
You earn $35 more with Zynlo Bank than Quontic 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.
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
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 | Quontic Bank | Zynlo Bank |
|---|---|---|
| APY | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change | 3.85% Verified: 1/7/2026 ↘︎ 0.35%90d Change |
| Product Name | High Yield Savings | Tomorrow Savings Account |
| Minimum Deposit | $100 | $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 | iOS4.8 Android4.9 | iOS4.1 Android3.5 |
| Zelle® Support | Available Limit: $1,000/dayDigital-first bank with full native support. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteGo to Quontic Bank * Secure link to our partner | Visit SiteVerify at Zynlo Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Quontic Bank | Zynlo Bank |
|---|---|---|
| High Yield Savings | Tomorrow Savings Account | |
Current APY | 3.50% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -1.8 | -3.8 |
Days Since Change | 8 | 9 |
10-Month High | 3.85% | 4.35% |
10-Month Low | 3.50% | 3.85% |
Adjustments / Mo | 0.20 | 0.30 |
Volatility Score | 0.019 | 0.033 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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