Open your 2.00% APY checking* | 5.00% APY savings+ | 5.00% APY money market^ accounts today!
Our high-yield digital banking accounts give you some of the best rates on the market—minus the minimum balance requirements, fees, and fine print.
What's ZYNG?
We'll round up every debit card transaction to the nearest dollar, match your roundup amount, and move all that extra money into your Tomorrow Savings Account for you!
Use our ZYNG Calculator to see how much you could earn with ZYNG Round Up and Match!
As featured in
2.00%
APYChecking*High-Interest Checking
ZYNG Round Up & Match1
Visa® Contactless debit card
5.00%
APYSavings+High-Yield Savings
ZYNG Round Up & Match1
5.00%
APYMoney Market^Unlimited Transactions
Earn 7X the national average2
Save the change when you round up debit card purchases.
Put saving on autopilot when you set the amount and frequency.
Use your ZYNLO debit card and we'll round up, match, and transfer real money into savings for you—helping you earn a 4.11% return! LEARN MORE
Earn 4X more than the average credit card point with ZYNG Round Up and Match.3
Open an account
Get faster access to your hard-earned cash.4
Your money is your money at ZYNLO. Traditional checking accounts just can't compete.
Set personal goals and automate savings to check them off faster.
See where you're really spending your money.
Talk to real people w/o wasting time pushing buttons or talking to bots.
IYKYK… your money is safe and secure.
Round Up Transfer with a 100% Match Reward1
Early Payday4
7X the National Average Money Market Interest Rate2
Unlimited Money Market Transactions
No minimum balance
Comparison data based on public websites of listed companies, verified as of 6/12/24.
The inclusion of Chime, Chase and Sofi in this chart is merely intended to allow for an information comparison of the respective service offerings and does not indicate endorsement by or affiliation or any other connection with those other banks.
The Federal Deposit Insurance Corporation (FDIC) insures up to $250,000 of deposits you make at ZYNLO. Every. Single. One.
Throw in custom push notifications, emails, and texts that tell you about strange transactions or shady login attempts, plus the ability to manage your registered devices and lock your debit card right from your phone? It's plain as day—ZYNLO's got your back.
Access ZYNLO anywhere you go.
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Routing # 011875428
ZYNLO® is a registered trademark of PeoplesBank. A division of PeoplesBank, Holyoke, MA.
^ZYNLO Money Market Account: A minimum opening deposit of $10 is required to open this account, and the minimum balance needed to obtain the Annual Percentage Yield (APY) is $.01. APY valid as of 7/11/2024 and subject to change without notice. Balances greater than $250,000 will receive 0.10% APY. Competitive rates are reviewed periodically.
*More Spending Account: A minimum opening deposit of $10 is required to open this account, and the minimum balance needed to obtain the Annual Percentage Yield (APY) is $.01 as of 7/11/2024 and is subject to change without notice. Competitive rates are reviewed periodically.
+Tomorrow Savings Account: A minimum opening deposit of $10 is required to open this account, and the minimum balance needed to obtain the Annual Percentage Yield (APY) is $.01 as of 7/11/2024 and is subject to change without notice. Competitive rates are reviewed periodically.
1ZYNG automatically rounds up debit card purchases to the nearest dollar and transfers that amount from your ZYNLO More Spending Account into your ZYNLO Tomorrow Savings Account. ZYNG will match roundups at 100% for the first 100 days. After 100 days, ZYNG will continue to match roundups at 100% if you maintain an average daily balance of $5,000 in your More Spending Account. Spending Accounts that maintain less than the minimum average daily balance will be matched at 25%. Match dollars will be deposited in real time based on the average daily balance (ADB) of the previous statement cycle. ZYNLO More Spending with ZYNG Round Up and Match return is estimated using $5,000 average daily balance, 20 monthly transactions, an average of $0.44 per roundup, and 100% match.
2The average national money market account interest rate of 0.67% Annual Percentage Yield (APY) is determined by the FDIC as of July 11, 2024, and is based on a simple average of rates paid by all insured depository institutions and branches for which data are available. Visit FDIC: National Rates and Rate Caps to learn more. Competitive rates are reviewed periodically.
3Credit card rewards rates vary, but based on research are valued around 1 cent per point or 1%. Earning 1,000 credit card points would be worth around $10. Your ZYNG debit card purchases will earn an average of $0.44 per transaction or 2.11% for accounts carrying a minimum daily balance of $5,000.00. In addition, you will earn 2.00% Annual Percentage Yield on all funds in your checking account which puts the total return of ZYNG around 4.11%. Actual savings will vary based on debit card use, the daily account balance, and could accrue faster the more you use your card. ZYNG rewards example: 20 debit card transactions per month at $0.44 per transaction or $105.60 per year ($105.60 Round Up & match / $5000 minimum daily account balance = 2.11%). Combined with the 2.00% APY on the money in the checking account, the total estimated return is 4.11%. Rates, terms, and information are subject to change at any time. Based on research taken from Bankrates' recent evaluation of how much points and miles are worth in 2024, published on February 15, 2024, the average credit card rewards return is 1 cent per point or 1%.
4Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
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