While Synchrony does not charge ATM fees, some ATM operators may charge nominal fees Synchrony will refund up to $5 per statement cycle. Although the bank does not have its own ATMs, customers can use PLUS or Accel Network ATMs. Instead, the bank relies on online chat and phone calls to handle customer service needs. ![]() Synchrony Bank does not have physical branches for customers to visit. ** CD rates vary based on the CD term and features of the CD. Plus, there are no minimum deposit or minimum balance requirements. Its High Yield Savings account is one of the best savings accounts because of its competitive interest rates and lack of monthly fees. Without the cost of physical branches, Synchrony Bank is one of the best banks for earning a high interest rate. For customers who want a full-service financial institution that can handle all of their needs, including getting one of the best checking accounts, consider CIT Bank or Chase Bank. Additionally, you cannot access investments or insurance through this bank. ![]() Types of accountsĪs an online-only bank, Synchrony Bank offers a limited scope of banking products to its customers.Īs you can see, Synchrony Bank does not offer checking accounts, mortgages, auto loans, or other lending products. Complete your application to receive a decision on your credit card request. The website can pre-populate your information using the last four of your Social Security Number and your mobile phone number. Opening an IRA, Trust, Custodial or Non-Personal account requires calling customer service at 86.įor a Synchrony Bank credit card, click on the "Apply Now" button. Then, you'll finalize your website profile and add money to your new account. Upon providing your information, you'll choose your bank account product and review its terms. The information you need to enter includes: Otherwise, you'll need to create an online account and provide your personal information. Start your account application by going to the bank's website at and clicking on "Start Saving Now." If you're already a customer, log into your account to continue the account opening process. To open a bank account with Synchrony Bank, you must be at least 18 years old. ![]() Since the bank does not have physical branches, customers can access their accounts online or through a mobile app. Additionally, its website provides an ATM finder link to locate nearby ATMs to withdraw money surcharge-free and to make deposits. In addition to banking products, it features an online Money Matters blog for customers to learn basic finance skills. However, you can perform a money transfer between accounts online or through its mobile app. The bank does not offer overdraft protection since it does not have checking accounts. Synchrony Bank offers a limited number of services to its customers. ConsCustomer service is not available 24/7
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