Shop Smart This Holiday Season with ZYNLO
The holiday season is here! A time for joy, family, and, let’s be honest, plenty of spending. Between gifts, travel, and festive meals, it’s easy for budgets to spiral out of control. But with a little planning and the right tools, you can shop smart and keep your savings goals on track.
Make a Holiday Budget and Stick to It
Start by listing your holiday expenses—gifts, decorations, food, and travel. Assign a spending limit for each category and track your purchases. Spending folders on ZYNLO’s online banking can help you monitor your progress in real time.
Take Advantage of Sales But Don’t Overspend
There are a ton of great deals during the holidays but remember: a discount isn’t a bargain if you didn’t plan to buy it. Compare prices, look for promo codes, and avoid impulse purchases.
Use Your ZYNLO Debit Card to Save While You Spend
Our favorite savings feature is ZYNG Round Up & Match‖. With ZYNG, every debit card purchase is rounded up to the nearest dollar, and that extra change is automatically transferred from your More Spending Account* to your Tomorrow Savings Account+.
The best part? ZYNLO matches your round-ups—100% for the first 100 days! After that, you can continue earning matches based on your account balance. It’s an effortless way to build savings while checking off your holiday list.
How It Works:
- Swipe your ZYNLO debit card for a $45.56 purchase.
- ZYNG rounds the purchase up to $46.00 and transfers $0.44 to your savings.
- ZYNLO matches that $0.44 and doubles your savings instantly.
Over time, these small amounts add up, helping you start the new year with a stronger financial foundation.
Set New Year Savings Goals
Create personalized savings goals on ZYNLO’s online banking. Whether it’s a post-holiday getaway or building an emergency fund, setting clear targets for the New Year keeps you motivated. Your future self will thank you!
Plan for Next Year
Once the holidays are over, review your spending and adjust your budget for next year. With ZYNG, you’ll already have a head start on your savings.
Ready to shop smart and save effortlessly? Open your More Spending and Tomorrow Savings accounts today to begin saving with ZYNG Round Up & Match. Because the best gift you can give yourself this season is financial peace of mind.
‖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 the first 100 days, ZYNG will match roundups at 100% if your More Spending Account had an average daily balance (ADB) of at least $3,000 in the previous statement cycle. If your ADB was below $3,000 in the previous statement cycle, roundups will be matched at 25% for the current statement cycle. After not qualifying, you can return to the 100% match if the minimum ADB is met. Matches are applied in real time, and your match percentage is recalculated each month based on the ADB from the prior statement cycle. ZYNLO More Spending with ZYNG Round Up and Match return is estimated using $3,000 average daily balance, 20 monthly transactions, an average of $0.44 per roundup, and 100% match. ZYNLO reserves the right to monitor and assess ZYNG Match transactions for unusual and unnatural use of this benefit. At our sole discretion, ZYNLO may determine that an account has displayed unusual or unnatural use of the ZYNG benefit. Once an account has been identified for using ZYNG in an unnatural manner based on typical customer behavior, ZYNLO reserves the right to (1) remove the account from any and all promotions and campaigns, (2) implement a pause, or pursue closure of the account, and (3) reclaim any ZYNLO Match contributions associated with transactions deemed unnatural or in violation of the ZYNG program.
*More Spending Account: There is no minimum deposit required to open this account. The minimum balance to earn the Annual Percentage Yield (APY) is $0.01. Fees may reduce earnings on an account. There is no monthly maintenance service charge, regardless of your balance. Competitive rates are reviewed periodically. To view current rates, please visit ZYNLO Rate Sheet.
+Tomorrow Savings Account: There is no minimum deposit required to open this account. The minimum balance to earn the Annual Percentage Yield (APY) is $0.01. Fees may reduce earnings on an account. There is no monthly maintenance service charge, regardless of your balance. Competitive rates are reviewed periodically. To view current rates, please visit ZYNLO Rate Sheet.
