at Synchrony Bank,

Member, FDIC

Pros

2.25% 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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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 2.25% 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
2.25%
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

Certificate of Deposit
APY
2.80%
Min. balance for APY
$2,000
Length of term
1 year

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

2.25%

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

2.25%

Monthly Fees

$0

Bonus features

No Monthly Fee

Competitive APY

Citizens Access

Online Savings Account

cheatgame.info Rating

at Citizens Access,

Member, FDIC

APY

2.35%

Monthly Fees

$0

Bonus features

No Monthly Fee

Competitive APY

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
Dishonest Bank
This is the WORST bank to have an account with. My husband bought a new bed last year and the company he bought the bed from does their financing through Synchrony. I was paying our bill a month ahead every month and then all of the sudden we started getting monthly late fees and they claimed we were 2 months behind on payments. We learned that if you pay your bill before the month cycle they put the payment towards principle but it doesn't count as your monthly payment. They also informed us that we had to make 2 months worth of payments otherwise we would be reported to collections! They said we have to wait until we get our bill each month then pay. Well our bill stopped coming in the mail so I just paid it before it was due each month and they still charge a late fee almost every month. If you call you just get the run around and no one actually helps you. The customer service is AWFUL! Our bill is due the 9th of the month and I paid it on Feb 7th and on Feb 9th a late fee was put on our bill! We are paying off our loan and closing our account and will never do business with this bank again!
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
DO NOT BANK WITH THEM!!!!
This bank stole money from me!!! I have made a payment on my card for my monthly balance of 24 dollars and the bank took out the full 804 dollars! I am a single person, work full time and am in school part time. Because of this mistake my account was overdrafted and I not can’t pay my bills and I could possibly be kicked out of school for not paying my tuition on time. They have don’t NOTHING to correct the situation other than saying the will send me a check for what they own me. It has been a month and the check is still not here. Their customer service is a complete joke and has shown no concern for my situation. I do not recommend this bank to anyone!!
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