^{^}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 01/09/2025 and subject to change without notice. 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 01/09/2025 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 01/13/2025 and is subject to change without notice. Competitive rates are reviewed periodically.

^‖ZYNG 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 $3,000 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 $3,000 average daily balance, 20 monthly transactions, an average of $0.44 per roundup, and 100% match. ZYNLO reserves the right to monitor and assess ZYNG Match transactions for unusual and unnatural use of this benefit. At our sole discretion, ZYNLO may determine that an account has displayed unusual or unnatural use of the ZYNG benefit. Once an account has been identified for using ZYNG in an unnatural manner based on typical customer behavior, ZYNLO reserves the right to (1) remove the account from any and all promotions and campaigns, (2) implement a pause, or pursue closure of the account, and (3) reclaim any ZYNLO Match contributions associated with transactions deemed unnatural or in violation of the ZYNG program.

^**Early 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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^###2016 Samsung Electronics America, Inc. Samsung, Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Samsung Pay is available on select Samsung devices.