No more old-school branches, my friend... ZYNLO is all-digital, which means you can do all your banking from the comfort of your couch or while sipping coffee at your favorite coffee shop. We've got a sleek mobile app that puts your finances at your fingertips, too. Check your balance, pay bills, transfer funds, deposit checks, and experience 24/7 customer service with real humans on the line every time... we've got you covered! It's like having a personal banker in your pocket (minus the stuffy suit and awkward small talk.) 

We're backed by PeoplesBank—and any deposits you make are 100% insured. In other words, there's no ceiling to the amount of coverage you'll receive (unlike at many other online institutions.) Since your money is backed by the security of a regulated bank, you're taken care of. If you want to learn more, click here :)

We're talking flexible money markets, early pay day, cash rewards on purchases with your debit card, and fun ways to reach your savings #goals.

ZYNG Round Up and Match automatically rounds up every debit card purchase to the nearest dollar and moves that $$ into your savings account. But wait, theres more. We match the roundup amount, and add that to your savings account, too! Yea...free money when you use your debit card. We also offer early access to your paychecks when you set up direct deposit.^{1 | 2}

Next, we don't restrict your money market account like other banks do. Our money market is a savings account... but better. You get a stronger rate of return when you let your money sit and collect interest. Some banks force you to put a minimum amount of money into a money market account, or charge you fees when you withdraw funds. We don't do that. After all, it's your money, right?^{^}

OK, one more thing—you can create personalized goals to help you save for that new car or trip to Bali, and spending folders to see where your money is going.  Bottom line... you deserve a bank that puts you in control of your money.

Any U.S. citizen who is 18 or older and has a valid Social Security number or Taxpayer Identification Number is welcome to join the ZYNLO family squad. And since we're a digital bank, we can open accounts throughout the United States, no matter where you live!

Yes! We don’t bury our phone number or make you go through automated systems. When you're ready to speak with a real human being—day or night—give us a call at (844) 996-5622. (If you'd prefer, you can also message us in the app or email support@zynlobank.com.)

We offer:

• High-yield Checking accounts (which we call "Spending Accounts")^*
• High-yield Savings accounts⁺
• High-yield Money Market accounts^{^}

When we say high-yield, we mean it. No matter which ZYNLO account(s) you choose, your money will be making money for you. And, you'll be able to manage all of your accounts right in your ZYNLO app or 
Online Banking.

Zero. Zip. Zilch. There are no monthly fees to bank with ZYNLO—even with a Money Market Account! We don't charge penalties on balance requirements or limit your number of withdrawals either!^{^}

Retail/Consumer Limits

Timeframe	Standard	Maximum Increase
One-Time Check Limit	$10,000	$
Daily Limit	$10,000	$
Monthly Limit	$50,000	$

Existing Account Holder

Business Day	Amount Made Available	Total Amount Available
1 (date of deposit)	$0	$0
2	$225	$225
3	$5,300	$5,525
4	$4,400	$9,925
5	$0	$9,925
6	$0	$9,925
7	Remainder of deposit	Full deposit

*Longer delays/holds may apply. Mobile deposit cutoff time is 4:00 PM EST.

At ZYNLO, we're all about crushin' goals. Whether you're planning for a road trip next summer or just building up your emergency fund (which is an awesome thing to do, actually), we want to help you get there quicker. Our savings Goals feature is simple and powerful. Create a personal goals within Online Banking or in the ZYNLO App (really, it can be anything!) and start to see your goal become a reality. It's easy to save, too—you can ZYNG money right to the goal of your choice, set up automatic transfers, or transfer money from your checking account to savings whenever you'd like. You can even personalize your goals with your own pictures for motivation.

Knowing how much you spend can help you save. We all have an idea of how much we'd like to spend on certain things (like nights out, home renovations, concert tickets, or your every-other-morning iced coffee orders) but, without seeing it in front of you, it's hard to know just how much you're actually spending. Meet your newest ZYNLO account feature, Spending Folders. This incredible budgeting buddy lets you create personalized folders for anything you want, then track your spending as you go—helping you stay on budget for that reno or see if you need to cut back to every third day for coffee. Pretty cool, right?

Just tap or click the Open an Account button at the top right corner of your screen (or, you know, the link right here.)
If you’re already a ZYNLO customer and on your computer, log in to Online Banking and click Open a New Account under the Products menu. If you’re in the app, tap More (at the bottom of the screen), then Products, then Open a New Account.

As a ZYNLO customer, you can choose the best way(s) to make a deposit - all through our ZYNLO app, or Online Banking. 

• Deposit a check.
• Make an external transfer (from another bank that you love less than us ;)
• Direct Deposit to really hack your bank account and get that money up to two days sooner!²
• Link your activated, new ZYNLO debit card to your favorite money transfer app!

Pair that with customized savings goals and you'll be well on the way to savings success.

Once you've opened your shiny, new ZYNLO Spending Account, you'll receive your debit card in the mail, and a separate mailer with your PIN number. Activate your card as soon as it arrives and starting ZYNGing!^*1 
(You'll be able to change your PIN to whatever you'd like—just keep it a secret!)

To help you kickstart your savings, we do this little thing called ZYNG. Actually, it's not a little thing at all...
it's huge.¹

Imagine using your shiny, new ZYNLO card to buy your morning coffee. No matter what it costs, we'll round up that transaction to the nearest dollar and put the roundup right into your Tomorrow Savings Account. Then, we're gonna match that roundup amount by 100%.⁺

 Wait... isn't that free money? Oh YEAH it is :) Every new ZYNLO customer gets a 100% match during their first 100 days with us. After that, you'll continue to receive a 100% match as long as you maintain an average daily balance of $3,000 in your Today Spending Account, or a $5,000 in your More Spending Account. Otherwise, you'll receive a 25% match—which is still free money!^*+1

You don't have to have a smartphone, but we do recommend it for the best customer experience (which includes text messages related to your account) and on-the-go flexibility. If you don't have a smartphone, don't worry—you can bank just as easily from a computer or tablet.

Yes! Your deposits are insured up to $250,000 by the Federal Deposit Insurance Corporation (FDIC).

We take customer security seriously here. ZYNLO is backed by PeoplesBank—one of the most-established regulated banks in the U.S. We've also developed helpful resources and security pro tips for you (link to part of site)—and if you really want to geek out on security like we do, you can check out our security policy (link to part of site).

Great question! ZYNLO customers trust us with the security of their personal information, and it's not something we take lightly. The short answer is, we treat it like it's our own info. For a longer answer with more details, review our privacy policy (link to privacy policy).

If you notice a suspicious transaction, log in to your account or sign into your mobile app. Go to More, then Manage Card, and press Lock Card. Then, contact us at  844-996-5622, support@zynlobank.com, or use the ZYNLO app for 24/7 assistance from a member of our awesome support team.

Absolutely! You can link your ZYNLO Visa debit card to your preferred Apple Pay™³, Google Pay™⁴, or Samsung⁵ Pay account.

Yes - it's so easy! Just log into the ZYNLO app or Online Banking, tap or click Pay/Transfer, then Pay a Person.

If it's your first time sending this person money, choose Add, then Add a Person. Enter their name and either their email or mobile number, then click Save.

They will be added to your list of "People", shown when you click on the To section to send money—which means you won't have to add them again next time.

 For extra security, you can add a secret security question and answer combo that only your intended recipient will know. That way, you'll know your money is going to the right person.

Of course! You have two options... you can Quick Pay a bill manually, or use Bill Pay for any ebills that you have setup. Log into the ZYNLO app or Online Banking, tap or click Pay/Transfer, then Pay a Bill.

If it's your first time paying this bill, choose Add Payee, then fill in their information.

They will be added to your list of payees, shown when you click on the To section to send money—which means you won't have to add them again next time. You can even set up recurring payments to make your life that much easier!

ZYNLO doesn't provide checks because, well, we're a digital bank! Checks can be expensive, are less environmentally friendly, and can take longer to get your money where it’s supposed to go. Instead, you can use our awesome, easy-to-use Bill Pay, Transfer, and ‘Pay a Person’ features. If you really want to order paper checks to use, we'll support them—promise!

ZYNLO will never charge you an ATM fee, even if you use an out-of-network ATM. However, the ATM owner might hit you with an ATM fee of their own. Want to avoid paying any ATM fees? ZYNLO customers have FREE access to more than 55,000 ATMs in the Allpoint network. Just look for the green Allpoint logo before making a withdrawal, or find a free ATM near you. You could also get cash back when making everyday purchases using your debit card—just be sure to check with the merchant.

ZYNLO customers have FREE access to more than 55,000 Allpoint ATMs. These ATMs are located in leading local, regional, and national merchant locations (like CVS, Target, and Walgreens locations) in your community and around the world. Just look for the green Allpoint logo on participating ATMs, or find an ATM near you.