Spend. Save. Earn. ZYNLO‪.‬


Designed for iPhone

    • 3.9 • 35 Ratings
    • Free

iPhone Screenshots


Our motto is simple: Plan Ahead. Play Now. We’re giving you the tools, the features, and the banking app to anticipate your future while conquering today. Are you ready?

Save. Spend. Earn. We give you real cash every time you use your debit card with ZYNG Round Up & Match.

Here’s how ZYNG^ works:
Open your ZYNLO More Spending checking account1 and a Tomorrow Savings account,2 then use your ZYNLO debit card.
We’ll round up each debit card transaction to the nearest dollar, match your roundup, and move that extra money into your Tomorrow Savings Account. The more you use your debit card, the more often we’ll round up and match.
If your employer offers direct deposit and uses a participating direct deposit service, ZYNLO gets you paid up to two days faster* than you normally would.

No ATM Fees. No monthly bank account fees.
No account balance minimums. No transaction limits.

We think a checking account should earn big interest, too.

Whether you’re thinking about a new car, your next vacation, or your best retirement life, it’s super-easy to set up personalized Savings Goals and reach them faster.

Create custom spending folders to see exactly where your money is going. Because knowing how you spend can help you save.

Your ZYNG Roundup and Match^ and Savings Goals live in a high-yield savings account, where your money is making money.

Lock and unlock your ZYNLO debit card with a single tap. Set or reset your PIN. Protect yourself with privacy controls. And every deposit you make at ZYNLO is 100% insured by the Federal Deposit Insurance Corporation (FDIC).

^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 $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.

1More 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 02/01/24 and is subject to change without notice. Fees may reduce earnings. Competitive rates are reviewed periodically.

2Tomorrow 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 02/01/24 and is subject to change without notice. Fees may reduce earnings. Competitive rates are reviewed periodically.

*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.

What’s New

Version 2.4

This version includes accounts page enhancements, bug fixes, and more.

Ratings and Reviews

3.9 out of 5
35 Ratings

35 Ratings

Sha6738 ,

Is it a standard bank account or a prepaid bank

I’m trying to use this for my work payroll and errands, is this a standard bank account or a prepaid account, can I receive wire transfer and make wire transfer with this bank
Will be waiting for response

Developer Response ,

Hi there! We are an FDIC and DIF-insured bank geared towards personal banking. At this point, we don't accept wire transfers but ACH external transfers. If you're looking for more information, please feel free to check out our website zynlobank.com or contact our Support Team. They're available to chat 24/7/365! Please email SUPPORT@ZYNLOBANK.COM or call 1-844-ZYNLOBANK (1-844-996-5622).

Sacramento CMT ,

Skeptic Proven Wrong

I was very cautious about diving into the digital only banking, but so far everything has been easy and convenient and the higher than average rates pay out as advertised. I’m not one to write reviews usually but I’m hoping this bank sticks around so I wanted to share my experience. 10/10 would recommend. (For reference, I’m only using their money market service at the moment so my opinion is based mostly on that service and not the other services.)

Developer Response ,

Hello Sacramento CMT. Thank you kindly for the 5 Star Review and for the comments. Thank you for choosing Zynlo Bank. Your Zynlo Team

mon02222 ,

Great bank, great app

I really love the features and the ease of use of this app. With savings folders and spending folders, it makes it really fun to manage my money. It’s also really nice that if I do have any issues, I can just give them a call and an actual person is available to walk me through it. Nice knowing that I’ll get a person on the line and get things figured out in a couple minutes. Great rates, too!

Developer Response ,

Hi mon02222, thank you for the 5-star review. We appreciate your feedback and look forward to continuing to be your financial partner! -Your ZYNLO Team

App Privacy

The developer, PeoplesBank, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Usage Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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