Wealthfront vs. Zynlo Bank
Comparing Wealthfront and Zynlo Bank for high-yield savings: Wealthfront's Cash Account pays 3.95% APY (including a 3-month 0.65% promo boost) while Zynlo Bank's Tomorrow Savings Account pays 3.85% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Zynlo Bank pays $39 more than Wealthfront annually ($385 vs $346).
Choose Wealthfront if mobile app quality matters. Choose Zynlo Bank if getting the best rate matters most, you want a no-strings-attached account, you want to avoid a promo rate with a scheduled drop, or BBB rating matters to you.
Important Considerations
The key difference? Wealthfront's 3.95% rate includes a promotional bonus for the first 3 months, after which it reverts to the standard rate (currently 3.30%). Zynlo Bank's 3.85% rate has no scheduled drop, though all rates are subject to change.
| Metric | WealthfrontCash Account Feb 21, 2026 | Zynlo BankTomorrow Savings Account Feb 21, 2026 |
|---|---|---|
| APY | 3.30% - 3.95% | 3.85% |
Est. Earnings | $5,000+$173 $10,000+$346 $25,000+$866 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $0 | $10 |
Snapshot view. Rates subject to change. | ||
Terms | 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 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredLow MinimumsGreat iOS AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Wealthfront vs. Zynlo Bank
Executive Summary
Wealthfront offers a Cash Account with a promotional APY of 3.95% for the first three months, after which it drops to 3.30%. This account has no minimum deposit or maintenance fees and is online-only. In comparison, Zynlo Bank's Tomorrow Savings Account provides a slightly lower APY of 3.85%, also with no minimum balance requirements and no maintenance fees, making it accessible for deposits starting at $10. Both accounts are FDIC-insured and do not require direct deposit. Wealthfront stands out with its higher initial APY, while Zynlo Bank offers better returns for larger deposits.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Wealthfront?
- ✓Higher rated iOS app (4.8 vs 4.1)
- ✓Higher rated Android app (4.9 vs 3.5)
Why Zynlo Bank?
No distinct advantages found vs Wealthfront.
— Key Feature Differences —
Better Returns at $10,000
Zynlo BankZynlo Bank's Tomorrow Savings Account earns more on smaller deposits (approx. $385 vs $346/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $963 vs $866/yr).
Best Mobile App Experience
WealthfrontWealthfront 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 $39 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet Zynlo Bank's standard rate still yields a higher 1-year return.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Wealthfront vs. Zynlo Bank Savings Calculator
You earn $37.5 more with Zynlo Bank than Wealthfront 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.
Wealthfront
Cash Account
Promo Rate: 3.95% for 3 months, then 3.30%.
Savings Breakdown
- Interest Earned+$347.50(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,347.50
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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $345 per year in interest.
Both Wealthfront and Zynlo Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Wealthfront | Zynlo Bank |
|---|---|---|
| APY | 3.95% Range: 3.30% - 3.95% Verified: 2/21/2026 ↘︎ 0.20%90d Change | 3.85% Verified: 2/21/2026 ↘︎ 0.20%90d Change |
| Product Name | Cash Account | Tomorrow Savings Account |
| Minimum Deposit | $0 | $10 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | Yes | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | F | A+ |
| Important Notes | 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 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. | - |
| Next Steps | Visit SiteVerify at Wealthfront 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 | Wealthfront | Zynlo Bank |
|---|---|---|
| Cash Account | Tomorrow Savings Account | |
Current APY | 3.95% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.6 | -11.0 |
Days Since Change | 22 | 54 |
3-Month High | 4.15% | 4.20% |
3-Month Low | 3.90% | 3.85% |
Adjustments / Mo | 0.60 | 0.60 |
Volatility Score | 0.028 | 0.031 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Wealthfront's APY of 3.95% with other banks
Compare Zynlo Bank's APY of 3.85% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Zynlo Bank vs Ally Bank | 3.20% | $0 |
| Zynlo Bank vs American Express | 3.30% | $0 |
| Zynlo Bank vs Axos Bank | 4.21% | $0 |
| Zynlo Bank vs Bank of America | 0.01% | $100 |
| Zynlo Bank vs Barclays | 3.85% | $0 |
| Zynlo Bank vs Capital One | 3.30% | $0 |
| Zynlo Bank vs Chase Bank | 0.01% | $0 |
| Zynlo Bank vs Chime | 3.00% | $0 |
| Zynlo Bank vs CIT Bank | 3.75% | $100 |
| Zynlo Bank vs Citibank | 3.20% | $0 |
| Zynlo Bank vs Discover Bank | 3.30% | $0 |
| Zynlo Bank vs EverBank | 3.90% | $0 |
| Zynlo Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Zynlo Bank vs Newtek Bank | 4.20% | $0.01 |
| Zynlo Bank vs Openbank | 4.09% | $500 |
| Zynlo Bank vs Pibank | 4.60% | $0 |
| Zynlo Bank vs SoFi Bank | 4.00% | $0 |
| Zynlo Bank vs Synchrony Bank | 3.50% | $0 |
| Zynlo Bank vs Varo Bank | 5.00% | $0 |
| Zynlo Bank vs Wells Fargo | 0.05% | $25 |