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Open your 2.00% APY checking* | 5.00% APY savings+ | 5.00% APY money market^
accounts today!

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Open An AccountA Division of PeoplesBank, Holyoke, MA


LIVE FOR


TODAY.

Open an account

A division of PeoplesBank, Holyoke, MA.

Our high-yield digital banking accounts give you some of the best rates on the
market—minus the account minimums, fees, and fine print.

Open an account

A division of PeoplesBank, Holyoke, MA.

Download the App



2.00%

APYChecking*

5.00%

APYSavings+

5.00%

APYMoney Market^

What's ZYNG?


ZYNG1

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




CHOOSE THE ZYNLO ACCOUNTS THAT ARE RIGHT FOR YOU.

2.00%

APYChecking*
2.00% APY

High-Interest Checking


MORE SPENDING*

 * ZYNG Round Up & Match1

 * Visa® Contactless debit card

 * 55,000 free ATMs

Let's do this
A division of PeoplesBank, Holyoke, MA.
Learn More


5.00%

APYSavings+
5.00% APY

High-Yield Savings


TOMORROW SAVINGS+

 * ZYNG Round Up & Match1

 * Personalize your savings goals
 * Mobile deposits

Start saving
A division of PeoplesBank, Holyoke, MA.
Learn More


5.00%

APYMoney Market^
5.00% APY

Unlimited Transactions


MONEY MARKET^

 * Earn 7X the national average2

 * No fees or account minimums
 * No transaction limits

Count me in
A division of PeoplesBank, Holyoke, MA.
Learn More



GET PAID FOR USING YOUR DEBIT CARD.

ROUND UP & MATCH

Save the change when you round up debit card purchases.

RECURRING DEPOSITS

Put saving on autopilot when you set the amount and frequency.


EARN A
4.11% RETURN

WITH ZYNG ROUND UP & MATCH.

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


CREDIT CARD POINTS ARE NO MATCH FOR ZYNG.

Earn 4X more than the average credit card point with ZYNG Round Up and Match.3

Open an account
A division of PeoplesBank, Holyoke, MA.



MAXIMIZE


YOUR


MONEY


EARLY PAYDAY

Get faster access to your hard-earned cash.4


NO FEES OR MINIMUM ACCOUNT BALANCES

Your money is your money at ZYNLO. Traditional checking accounts just can't
compete.


GREAT RATES

Check them out.


SAVINGS FOLDERS

Set personal goals and automate savings to check them off faster.


SPENDING INSIGHTS

See where you're really spending your money.


24/7 CUSTOMER SERVICE

Talk to real people w/o wasting time pushing buttons or talking to bots.


FDIC-INSURED DEPOSITS

IYKYK… your money is safe and secure.




SEE HOW WE STACK UP.

CHECKING & SAVINGS

Round Up Transfer with a 100% Match Reward1






Early Payday4






MONEY MARKET

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.






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.


REAL TALK. YOUR MONEY IS SAFE AND SECURE HERE.

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.

Open an account
A division of PeoplesBank, Holyoke, MA.


GO MOBILE.

Access ZYNLO anywhere you go.

Previous

EASY TO USE

Extremely easy to use. Great truly digital bank with great rates. I moved all of
my long-term savings and intend to move more.

GREAT BANK, GREAT APP

Love the features and the ease of use. Nice that if I have any issues, I can
give them a call and an actual person is available to walk me through it.

SLICK

No issues and the app seems very slick.

EASY TO USE

Extremely easy to use. Great truly digital bank with great rates. I moved all of
my long-term savings and intend to move more.

GREAT BANK, GREAT APP

Love the features and the ease of use. Nice that if I have any issues, I can
give them a call and an actual person is available to walk me through it.

SLICK

No issues and the app seems very slick.

EASY TO USE

Extremely easy to use. Great truly digital bank with great rates. I moved all of
my long-term savings and intend to move more.

GREAT BANK, GREAT APP

Love the features and the ease of use. Nice that if I have any issues, I can
give them a call and an actual person is available to walk me through it.

SLICK

No issues and the app seems very slick.

Next


DOWNLOAD THE APP



Let's be friends. Follow ZYNLO on social media.



Routing # 011875428

Checking & SavingsMoney MarketCheck Today's RatesATM LookupAbout
ZYNLOFAQsAccount Security TipsContact UsPrivacy PolicyDisclosures

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.

© 2024 ZYNLO Bank | All rights reserved.