ZYNLO vs h.way

EARN MORE. BANK SMARTER. Bank better with ZYNLO—where your money works harder with high-interest accounts, no monthly fees, ZYNG Round-Up rewards^, Early Payday^^, and simple digital tools designed around you. MAKE MORE OF YOUR MONEY • ZYNLO helps you grow your money faster—and rewards you along the way with ZYNG. • High-yield checking^^^, savings* and Certificates of Deposit** • Award winning High Yield Money Market Account*** • No caps on interest earnings • Earn rewards with ZYNG while you bank • No monthly account fees BUILT FOR REAL LIFE • Everything you need—right in your pocket. • Get paid early with Early Payday • Move money easily between all your bank accounts • Add your debit card to your digital wallet • Diverse offering of high-yield products • Secure access with multi-factor authentication SMART SAVING, SIMPLIFIED • Whether you’re just getting started or building serious savings: • Savings and money market accounts designed to grow • Clear, simple savings tools to help you stay on track • Diverse offering of high-yield products to meet the needs of all customers • No hidden fees—ever Why Customers Choose ZYNLO • FDIC Insured • Competitive high-yield account offerings • No monthly fees • Early Payday—get paid up to two days early • Simple, modern digital banking mobile app Download ZYNLO today and start earning more from your money. PRODUCT DETAILS & DISCLOSURES ^ZYNG Round Up & Match is available only while you maintain eligibility requirements. See Truth in Savings section of Terms and Conditions for more details. Zynlobank.com/file/accountDisclosures. ^^Early Payday: 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. Current interest rates and Annual Percentage Yield (APY) for ^^^More Spending Account, *Tomorrow Savings Account, ***ZYNLO Money Market Account, and **ZYNLO Certificates of Deposit (CDs), are available at zynlobank.com/rates. Product terms, minimum opening deposit requirements, minimum balance requirements to earn APY, fees, eligibility requirements, and account disclosures are available at zynlobank.com/file/accountDisclosures Rates for variable-rate products are subject to change after account opening. CD rates are fixed for the term of the account. A penalty may be imposed for early withdrawal from a CD and is based on the maturity term and could reduce earnings. Transaction Limitations apply. Must be 18 or older to open any ZYNLO Bank account.

h.way allows you to do MONEY YOUR WAY. Sign up with your passport or valid license; no SSN is needed if you don't have one. Keep your account WITHOUT having a minimum balance and without surcharges. Plus, your funds will be kept in an FDIC-insured institution. We understand our community's money culture and have created an experience around it. Our goal is to help our community spend wisely, save, and invest for progress. Our benefits include: -Mastercard® debit card, with ID Theft Protection, which helps protect against identity theft 24/7. -Early payday: cash your paycheck up to two days earlier -Apple Pay and Google Pay -Access to around 55,000 ATMs without surcharges -Send money to other h.way users instantly and without surcharges. -Freeze and unfreeze your account from the app. You can learn more about h.way by visiting our website, www.h-way.com, or downloading the h.way app. * For Terms and Conditions, visit www.h-way.com. ** YOUR FUNDS ARE INSURED UP TO $250,000 BY THE FDIC IN THE EVENT METROPOLITAN COMMERCIAL BANK FAILS IF SPECIFIC DEPOSIT INSURANCE REQUIREMENTS ARE MET, AND YOUR CARD IS REGISTERED, visit https://www.fdic.gov/deposit/deposits/prepaid.html *** The h.way prepaid Mastercard is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a lincese from Mastercard. "Metropolitan Commercial Bank" and "Metropiolitan" are registered trademarks of Metropolitan Commercial Bank ©2020-2022