ZYNLO is a finance app developed by PeoplesBank - Holyoke, MA.
How many times has ZYNLO been downloaded?
ZYNLO has been downloaded 18 thousand times. In the last 30 days, the app was downloaded 180 times.
What is the rating of ZYNLO?
ZYNLO is rated 3.70 out of 5 stars, based on 160 ratings.
Is ZYNLO free?
ZYNLO is free to download. The APK download size is 33.58 MB. The latest version available is 8.10.0.57. The last update was on June 2, 2026.
What are the requirements for ZYNLO?
ZYNLO requires Android 9.0+ or higher. The app has a content rating of Everyone. The app has been available on Google Play December 2019.
Description
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?
PLAY NOW. ZYNG ROUND UP AND MATCH^ 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. EARLY PAYDAY* 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 FEES: No ATM Fees. No monthly bank account fees. No account balance minimums. No transaction limits.
HIGH-YIELD CHECKING We think a checking account should earn big interest, too.
PLAN AHEAD. SAVINGS GOALS 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.
SPENDING INSIGHTS Create custom spending folders to see exactly where your money is going. Because knowing how you spend can help you save.
HIGH-YIELD SAVINGS Your ZYNG Roundup and Match^ and Savings Goals live in a high-yield savings account, where your money is making money.
SECURITY 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.
Recent changes: This version includes accounts page enhancements, bug fixes, and more.
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Glad they use the Nimbus Platform, wish more banks used it instead of the Banno Platform. I don't really use Zynlo that much, but when I do have a transaction, the notification is near real time which is how it should be. The apps of other banks sometimes take days to get a notification (usually using the Banno Platform)
★★★★★Nate “of the Living Dead”· Jul 10, 2025
Customer service was very helpful with aiding me in setting up a new account after I initially entered the wrong SSN. Card benefits are great too, I love the round-up feature. And now that they've switched to a new bank linking method (Plaid), I can connect all my other accounts too. If you plan on keeping enough money in the account to keep the matched round-ups going past the trial period, this is a great choice for a daily spending account.
★★★★★Beatrice Colman· May 4, 2025
Want to add my experience since the ratings are unreasonably low imho. I really like Zynlo. App usability can be subjective, but I don't find it difficult to navigate. Zynlo has really competitive offerings. A 2% APY on checking and around 4.4% APY on savings is pretty solid with no minimums. Improvements Needed: Lower the checking account minimum for the 100% match (it's unrealistic for a checking account). Make the Main Savings account separately visible from the savings goals in app. Thanks!
★☆☆☆☆Pat Wood· Dec 23, 2020
This bank account isn't worth having, so please don't open up this account it won't let you keep the money in your account, and they will close your account!!!!! This is BS!!!
★☆☆☆☆Joey “The Italian Stallion” Mauney· Jul 11, 2024
By far one of the worst mobile bank apps I've ever used. The application itself is absolutely terrible, extremely slow, freezes up and lags constantly while your using it. Also did an instant transfer, and it took 3 days just go through!
★☆☆☆☆CINNAMON FALLS· Mar 9, 2023
Worst bank ever couldn't even get into my account nor could I get a reset passcode to change my password so this Bank sucks
★☆☆☆☆Lori M Rayburn· Oct 14, 2025
Zynlo had worse experience I've ever had with Mobile banking they want Andrew the phone or return messages. They put holds on your money for as long as they can. Don't ever use this bank.
Google Play Rankings for ZYNLO
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Technologies used by ZYNLO
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