Vio Bank vs. Zynlo Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Vio Bank vs. Zynlo Bank
Key Metrics at a Glance
| Feature | Vio Bank | Zynlo Bank |
|---|---|---|
| Top Savings APY | 4.21% Online Savings Account | 4.20% Tomorrow Savings Account |
| Minimum to Open | $100 | $10 |
| Minimum Balance for Top APY | $0 | $0.01 |
Vio Bank
Strengths
- Vio Bank offers a higher APY of 4.21% compared to Zynlo Bank's 4.20%.
- Vio Bank has a higher App Store rating of 4.6 versus Zynlo Bank's 4.0.
- Vio Bank is BBB Accredited, while Zynlo Bank is not.
Potential Drawbacks
- Vio Bank has a lower Google Play rating of 3.3 compared to Zynlo Bank's 3.5.
- Vio Bank charges a $5 maintenance fee without electronic statements.
- Vio Bank requires a higher minimum deposit of $100 compared to Zynlo Bank's $10.
Zynlo Bank
Strengths
- Zynlo Bank has a lower minimum deposit requirement of $10.
- Zynlo Bank has a slightly higher Google Play rating of 3.5.
- Zynlo Bank offers a maintenance fee-free account with no additional requirements.
Potential Drawbacks
- Zynlo Bank's APY is lower at 4.20% compared to Vio Bank's 4.21%.
- Zynlo Bank is not BBB Accredited, while Vio Bank is.
- Zynlo Bank has a lower App Store rating of 4.0 compared to Vio Bank's 4.6.
→ As of November 12, 2025 Vio Bank offers an APY of 4.21% for its Online Savings Account, with a minimum balance of $0, compared to Zynlo Bank's 4.20% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
→ Vio Bank yields $1 more than Zynlo Bank on a $10,000 balance after one year. Vio Bank pays $421, while Zynlo Bank pays $420 - an APY advantage for Vio Bank.
Calculate Savings Growth for Vio Bank vs Zynlo Bank
Vio Bank - Online Savings Account
Total savings breakdown:
- Interest earned: $2,570.8 (12.50%)
- Total contributions: $13,000 (63.20%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,570.80
Total balance: $20,570.8
Earnings: $2,570.8
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, Vio Bank's total earnings would be $6.5 higher than Zynlo Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Vio Bank's vs Zynlo Bank's Savings Accounts
| Vio Bank | Zynlo Bank | ||
|---|---|---|---|
| Product | Online Savings Account | vs | Tomorrow Savings Account |
| APY | 4.21% (as of 11/12/2025) | 4.20% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $100 | $10 | |
| Minimum Balance for APY | $0 | $0.01 | |
| Maintenance Fee | $0, if electronic statements selected, otherwise $5 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.6/5 | 4.0/5 | |
| Google Play Rating | 3.3/5 | 3.5/5 | |
| BBB Rating | A+ | A+ |
No historical data available.