at Synchrony Bank,

Member, FDIC

Pros

2.05% APY on savings, about the best you'll find
Reimburses $5 per month for out-of-network ATMs

Cons

No checking account
No branches

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We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

Overall

4.0

Synchrony doesn’t fit the banking mold — it doesn’t have branches or offer a checking account. Still, it’s worth considering if you want great interest rates on savings products and prefer banking online.

 

Maybe a separation from your checking account is just what your rainy-day fund needs to prosper.

 

Ratings methodology | Updated July 5, 2018

Savings

5.0

Synchrony's high-yield savings account comes with low fees and one of the highest rates on the market, at 2.05% APY. No minimum balance is required to open an account or qualify for the interest rate. Synchrony doesn't charge fees for using ATMs that accept its bank card — those with Plus or Accel logos. But ATM owners might charge a fee. For those charges, Synchrony bank offers a monthly $5 refund.

 

Want to see more options? Check out cheatgame.info’s best high-yield online savings accounts

High Yield Savings Account
APY
2.05%
Min. balance for APY
$1

at Synchrony Bank,

Member, FDIC

Certificate of Deposit
APY
3.10%
Min. balance for APY
$2,000
Length of term
5 years

at Synchrony Bank,

Member, FDIC

How does Synchrony Bank compare?

Synchrony Bank

High Yield Savings Account

cheatgame.info Rating

at Synchrony Bank,

Member, FDIC

APY

2.05%

Monthly Fees

$0

Bonus features

No Monthly Fee

Competitive APY

Goldman Sachs Bank USA

Online Savings

cheatgame.info Rating

at Goldman Sachs Bank USA,

Member, FDIC

APY

2.05%

Monthly Fees

$0

Bonus features

No Monthly Fee

Competitive APY

American Express National Bank

High Yield Savings Account

cheatgame.info Rating

at American Express National Bank,

Member, FDIC

APY

2.00%

Monthly Fees

$0

Bonus features

Competitive APY

Live help 24/7

No Monthly Fee

Not for you? Read more bank reviews
cheatgame.info reviews are the result of independent research by our editorial team while accountholder reviews are contributions from independent users not affiliated with cheatgame.info. Banks, issuers and credit card companies are not responsible for any content posted on the cheatgame.info site, nor do they endorse or guarantee any posted comments or reviews.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Awful experience.
Set up bank account to pay credit card, been returned twice, call the customer service, they claimed that my bank account was closed. IT IS OPEN and bank doesn's have any record of their withdrawal . it happened twice in 6 months. Now they closed my credit card account. Another thing is whe you call, it's hard to understand their English half of the time, I think the service center base in India. Do you have similar experiences.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Horrible Experience
I have never dealt with a bank as bad as Synchrony. If you ever needed to deal with customer service, you're definitely going to be screwed. When you report unauthorized charges on your credit card, the will CLOSE you account and report it as closed to the credit bureaus. The new card they will issue you will be added as a new account to your credit report! Customer service agents and managers are either ignorant or rude. They will not solve your problem and will only make things worse. P.S. The bank takes 60 days to "investigate" disputes. Meanwhile, they don't issue you credit for the transactions under "investigation" as other banks do.
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