Wealthfront vs. Zynlo Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Wealthfront vs. Zynlo Bank
Key Metrics at a Glance
| Feature | Wealthfront | Zynlo Bank |
|---|---|---|
| Top Savings APY | 4.15% Cash Account | 4.20% Tomorrow Savings Account |
| Minimum to Open | $0 | $10 |
| Minimum Balance for Top APY | $0 | $0.01 |
| Note | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. |
Wealthfront
Strengths
- Wealthfront offers an initial APY of 4.15% for new clients.
- Wealthfront has a high App Store rating of 4.8.
- No maintenance fees for Wealthfront's Cash Account.
Potential Drawbacks
- Wealthfront has a BBB rating of F and is not BBB accredited.
- After 3 months, Wealthfront's APY drops to 3.50%.
- Wealthfront has no physical branches.
Zynlo Bank
Strengths
- Zynlo Bank's Tomorrow Savings Account has a current APY of 4.20%.
- Zynlo Bank has a BBB rating of A+.
- Zynlo Bank has no maintenance fees.
Potential Drawbacks
- Zynlo Bank's App Store rating is lower at 4.0.
- Zynlo Bank's Google Play rating is only 3.5.
- Zynlo Bank has no physical branches.
→ As of November 12, 2025 Wealthfront offers an APY of 4.15% for its Cash 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.
→ Zynlo Bank yields $5 more than Wealthfront on a $10,000 balance after one year. Wealthfront pays $415, while Zynlo Bank pays $420 - an APY advantage for Zynlo Bank.
Calculate Savings Growth for Wealthfront vs Zynlo Bank
Wealthfront - Cash Account
Total savings breakdown:
- Interest earned: $2,531.8 (12.33%)
- Total contributions: $13,000 (63.32%)
- Initial deposit: $5,000 (24.35%)
Your total balance
$20,531.80
Total balance: $20,531.8
Earnings: $2,531.8
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, Wealthfront's total earnings would be $32.5 lower than Zynlo Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Wealthfront's vs Zynlo Bank's Savings Accounts
| Wealthfront | Zynlo Bank | ||
|---|---|---|---|
| Product | Cash Account | vs | Tomorrow Savings Account |
| APY | 3.50% - 4.15% (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 | $0 | $10 | |
| Minimum Balance for APY | $0 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Note | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. | ||
| App Store Rating | 4.8/5 | 4.0/5 | |
| Google Play Rating | 4.9/5 | 3.5/5 | |
| BBB Rating | F | A+ |
No historical data available.