ZYNLO vs Pibank USA

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.

Pibank offers a high-yield personal savings account and certificates of deposit (CDs) designed to help you save and manage your money. With the Pibank App, you can securely access and manage your Pibank accounts anytime, wherever you are. It’s that simple. It’s Pibank. Easy as pie. KEY FEATURES: · Competitive High-Yield Savings and Certificate of Deposit (CD): Maximize your savings with competitive interest rates. · Open and fund your account with no minimum deposit requirements. · No Fees: Enjoy fee-free banking with no hidden charges¹ · No Transfer Fees with Plaid: Transfer funds through Plaid with no transfer fees. · Biometric Identification: Securely access your account with fingerprint or facial recognition. · At-a-Glance Account Info: View your account details quickly and easily. · Transaction History: Access an unlimited history of your transactions. · Manage Personal Information: Update your contact details, passwords, and beneficiaries with ease. ¹ Pibank certificates of deposit are subject to a 90-day interest penalty for early withdrawal.