Wealthfront vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | WealthfrontCash Account Jan 7, 2026 | Zynlo BankTomorrow Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.25% - 3.90% | 3.85% |
Est. Earnings | $5,000+$171 $10,000+$341 $25,000+$853 | $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 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | 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 Wealthfront vs. Zynlo Bank
As of Wealthfront offers an APY of 3.90% for its Cash 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 $44 more than Wealthfront on a $10,000 balance after one year. Wealthfront pays $341 (with an effective APY of 3.41%), while Zynlo Bank pays $385 - an APY advantage for Zynlo Bank.
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 $341/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $963 vs $853/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 $44 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.
Executive Summary as of
Wealthfront offers a Cash Account with a promotional APY of 3.90% for the first three months, reverting to 3.25% thereafter. This account has no minimum deposit or maintenance fees and is available online only. In comparison, Zynlo Bank's Tomorrow Savings Account provides a slightly lower APY of 3.85%, also with no minimum balance requirement and no associated fees. Both accounts do not require direct deposit and are FDIC-insured. Wealthfront's mobile app experience is rated higher than Zynlo's, making it a strong contender for tech-savvy users.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Wealthfront vs. Zynlo Bank Savings Calculator
You earn $42.5 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: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$342.50(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,342.50
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.
| Feature | Wealthfront | Zynlo Bank |
|---|---|---|
| APY | 3.90% Range: 3.25% - 3.90% Verified: 1/7/2026 - | 3.85% Verified: 1/7/2026 ↘︎ 0.35%90d Change |
| Product Name | Cash Account | Tomorrow Savings Account |
| Minimum Deposit | $0 | $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 | 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 3.90% for 3 months, after which the 3.25% 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 | 3.90% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -18.8 | -15.9 |
Days Since Change | 19 | 9 |
2-Month High | 4.15% | 4.20% |
2-Month Low | 3.90% | 3.85% |
Adjustments / Mo | 0.54 | 1.07 |
Volatility Score | 0.030 | 0.026 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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