Zil.US vs Waysaver™
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Zil.US
This app offers a comprehensive online banking solution for businesses and individuals. It provides features like free checking accounts, early direct deposit, and tools for building credit. Manage your finances with secure, modern banking tools and no hidden fees.
- Free business/personal checking accounts
- Early direct deposit
- Credit builder tool
- Fee-free ACH and wire transfers
- Instant and physical Visa cards
- Card management with custom limits
- Two-factor authentication
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Zil.US is an online banking experience that will meet all your business needs. Open a free business or personal checking account. Free, safe security features, overdraft, and get paid two days early with no hidden fee. ALL IN ONE PLATFORM Simple modern Banking, ACH, wire, Credit build, Printable checks, Cash Back, Instant Visa card, Physical Card, multiple cards for many users with customized limits, block card in a single tap. TRUSTED BY BUSINESSES You control your banking with two-factor authentication, instant alert, daily balances, etc., GOODBYE TO HIDDEN FEES No monthly fee, No hidden Fee, No minimum Balance required. A NEW WAY TO BUILD CREDIT Use our modern credit builder and increase your credit score sooner than you think with regular on-time payments. PAY VENDOR, PAYEES, FRIENDS WITH NO TRANSFER FEES Send money to anyone without any transfer fee.
Waysaver™
This app helps you build an emergency savings fund automatically. It analyzes your spending to save manageable daily amounts, acting as a financial safety net for unexpected expenses without requiring major lifestyle changes.
- Automatic savings builder
- Manages daily savings amounts
- Acts as a financial safety net
- Helps achieve long-term goals
- Works with existing spending habits
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With the Waysaver emergency savings app, you can be ready for whatever life throws at you. Because it’s always something, whether it’s a flat tire, broken water heater, or trip to the vet. Banking services provided by The Bancorp Bank, Member FDIC. KEY FEATURES: A lack of emergency savings is a common obstacle to a secure financial future. Waysaver builds your emergency savings automatically and is designed to act as a safety net between unexpected costs and your financial goals. Waysaver works with your lifestyle. It only saves what it estimates you can afford—in manageable daily amounts—so you may not need to change your spending habits. Don’t let surprise costs slow down your ability to save long term for retirement. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Waysaver is a U.S. registered trademark of T. Rowe Price Group, Inc. T. Rowe Price and its affiliates do not provide banking accounts or banking services to customers.
Screenshots
Verdict
The clearest difference is rating: Waysaver™ at 3.0 against Zil.US's 2.1. Waysaver™ also leads on review sentiment (33% vs 0%). Zil.US's advantage is update cadence (every 2 weeks vs every 5 weeks). On price, ratings volume, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Waysaver™ holds the better App Store score, 3.0 against 2.1. Both are backed by a comparable volume of ratings — 10 and 12 respectively. Written reviews point the same way: 0% of Zil.US's written reviews are positive against 33% of Waysaver™'s.
Zil.US ships an update every 2 weeks, Waysaver™ every 5 weeks. The most recent releases landed on October 8, 2026 and October 7, 2026 respectively.
| Parameter | Zil.US | Waysaver™ |
|---|---|---|
| Price | Free | Free |
| Rating | 2.1 (10 ratings) | 3.0 (12 ratings) — better |
| Positive reviews | 0.0% of reviews | 33.3% of reviews — better |
| Number of ratings | 10 | 12 — better |
| Update frequency | Every 2 weeks — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 51 MB | 34 MB |
| Age rating | 4+ | 17+ |
| Developer | onlinecheckwriter | T. Rowe Price |
Customer experience
Zil.US
Waysaver™
In-app purchases
Zil.US
No in-app purchases
Waysaver™
No in-app purchases









