Synchrony Bank is the online deposit-bank subsidiary of Synchrony Financial (NYSE: SYF), one of the largest credit-card issuers in the United States. Synchrony is best known on the credit side as the issuer behind dozens of major private-label and co-branded cards, including the Amazon Store Card, Lowe’s Advantage Card, PayPal Cashback Mastercard, Sam’s Club Mastercard, Care Credit, JCPenney Credit Card, Belk Credit Card, Verizon Visa Card, and many others. The Synchrony Bank deposit side is online-only and offers high-yield savings, money market accounts, CDs, and IRA CDs, with an unusual feature for an online bank: an optional ATM card (linked to the Plus and Accel networks) for both the High-Yield Savings and Money Market accounts. Synchrony Financial is headquartered in Stamford, Connecticut, and was spun off from GE Capital in 2014.
Map of Synchrony Bank locations near me
Use the map below to find Synchrony offices near you. Synchrony Bank does NOT operate retail bank branches: it is an online-only deposit bank, with banking handled through synchrony.com and the Synchrony Bank mobile app. The map shows the locations of Synchrony Financial corporate and operations offices for reference; these are not customer-facing bank branches. You can click ‘Use my location‘ to see Synchrony offices around you on the map.
Synchrony Bank at a glance
- Official name: Synchrony Bank (a federal savings bank, Member FDIC)
- Parent company: Synchrony Financial (NYSE: SYF)
- Spun off: July 2014 from GE Capital (Synchrony was previously GE Money Bank)
- Headquarters: 777 Long Ridge Road, Stamford, Connecticut 06902
- Retail branches: none (online-only deposit bank)
- Checking accounts: none (Synchrony does not offer checking)
- Active deposit products in 2026: High-Yield Savings, Money Market, regular CDs (3 to 60 months), Bump-Up CD, IRA CDs
- Distinctive feature for an online bank: optional ATM card on the High-Yield Savings AND Money Market accounts, with Plus and Accel network access
- Out-of-network ATM fee refunds: up to $5 per statement cycle for domestic ATMs; Diamond Perks Rewards customers receive unlimited refunds
- Bank deposit accounts customer service: 1-866-226-5638 (Monday to Friday 8:00 AM to 10:00 PM ET, weekends 8:00 AM to 5:00 PM ET); automated phone services 24/7
- FDIC insurance: yes, deposits insured up to $250,000 per depositor, per insured bank, per account ownership category
- Notable credit cards issued by Synchrony Bank: Amazon Store Card, Lowe’s Advantage Card, PayPal Cashback Mastercard, Sam’s Club Mastercard, Care Credit, JCPenney, Belk, Verizon Visa Card, Walmart Capital One (until 2024), Discount Tire, Mattress Firm, Ashley Furniture, Rooms To Go, Synchrony Premier World Mastercard, and approximately 200 other private-label and co-branded card programs
Synchrony Bank branch near me
Synchrony Bank has no retail branches anywhere in the United States. All deposit accounts are opened, funded, and serviced through synchrony.com or the Synchrony Bank mobile app. Customer service runs through 1-866-226-5638 during business hours and through automated phone services 24/7.
Synchrony corporate offices (for reference)
Synchrony Financial corporate offices are located at 777 Long Ridge Road, Stamford, Connecticut 06902. Synchrony also has operations and customer service offices in Charlotte, North Carolina; Phoenix, Arizona; St. Cloud, Minnesota; Dayton, Ohio; Atlanta, Georgia; Dallas, Texas; and additional cities. None of these are customer-facing bank branches; Synchrony banking is conducted entirely online or by phone.
Why Synchrony stays online-only on the deposit side
Synchrony’s competitive edge is the same as Marcus, Ally, and Discover: by skipping retail branches, the bank reduces overhead and passes the savings back to customers in the form of higher savings APYs, no monthly fees, and no minimum balances. Synchrony Bank deposit accounts consistently rank among the higher-APY online savings options in the United States, alongside Marcus by Goldman Sachs, Ally Bank, Discover Bank, and American Express National Bank.
Synchrony Bank ATM near me
This is the section where Synchrony Bank is genuinely different from most online deposit banks. Synchrony offers an optional ATM card for both its High-Yield Savings and Money Market accounts, with access to ATMs on the Plus and Accel networks. Most online savings banks (Marcus, American Express National Bank, and others) do not offer an ATM card at all for savings accounts; Synchrony is one of the exceptions.
Use the Synchrony ATM finder
Use the Synchrony Bank ATM finder to find the closest fee-free ATM machine around you. Synchrony customers with an ATM card can use any ATM that displays the Plus or Accel logos (the same networks used by many credit-union ATMs and bank-branch ATMs across the United States). Synchrony itself does not charge a fee for ATM withdrawals.
Fee refunds and the Diamond Perks Rewards tier
- Standard customers: Synchrony Bank refunds up to $5 per statement cycle in surcharge fees charged by other financial institutions at domestic ATMs.
- Diamond Perks Rewards customers: receive unlimited domestic ATM fee refunds per statement cycle. Diamond status is reached based on balance tier in the Synchrony Perks Rewards Program (Silver, Gold, Platinum, Diamond).
- Foreign ATM fees: NOT refundable. Foreign exchange conversion fees and overseas transaction fees are charged at the standard rate and are not eligible for refund.
- Synchrony itself does not charge a fee to use an ATM, regardless of network.
Requesting an ATM card
The Synchrony ATM card is optional and must be requested separately after opening a High-Yield Savings or Money Market account. The card is mailed to the address on file and arrives within 7 to 10 business days. There is no fee for the ATM card itself.
Synchrony Bank accounts in 2026
Synchrony High-Yield Savings Account
Synchrony’s flagship deposit product. Currently paying approximately 3.40% APY (variable, may change at any time). No monthly service fee, no minimum opening deposit, no minimum balance to earn the APY, and FDIC-insured up to $250,000 per depositor. Distinctively, the High-Yield Savings supports an optional ATM card on the Plus and Accel networks with $5/statement domestic fee refund. The account also includes online and mobile banking, mobile check deposit, ACH transfer to and from external accounts, wire transfers, and Zelle (in some configurations).
Synchrony Bank Money Market Account
An interest-paying money market account with check-writing privileges AND the same optional ATM card on Plus and Accel networks. The Money Market account is positioned for customers who want some interest yield but also need transactional access (check writing, ATM withdrawals) that the High-Yield Savings does not provide as smoothly. APY is competitive with the High-Yield Savings.
Synchrony Bank Certificates of Deposit (CDs)
Synchrony offers fixed-term CDs in maturities from 3 months to 60 months, with APYs varying by term. Recent rates: approximately 3.70% APY for a 12-month CD, 3.60% APY for a 36-month CD, and 3.75% APY for a 60-month CD. Other terms range from approximately 0.25% to 4.10% APY depending on the maturity. No minimum deposit required to open a Synchrony CD, which is unusual; most CDs at competing banks require $500 to $2,500 minimum. Early-withdrawal penalties apply: 90 days of simple interest for terms up to 12 months, 180 days for 13 to 47 months, and 365 days for 48+ months.
Synchrony Bump-Up CD
A distinctive Synchrony product: a CD that lets you bump up the APY one time during the CD term if Synchrony raises the rate on new CDs of the same term. This is useful in rising-rate environments. Available in select terms; check current Synchrony offerings.
Synchrony IRA CDs
Traditional, Roth, and SEP IRA Certificates of Deposit with the same maturity options as standard Synchrony CDs. The IRA wrapper provides tax advantages on the interest earned. No minimum deposit required to open.
What Synchrony does NOT offer on the deposit side
- No checking account. Synchrony does not offer a primary checking-account product. The Money Market account with check writing is the closest substitute.
- No cash deposits. Synchrony Bank has no retail branches and no cash-accepting ATM network. To get cash into a Synchrony account, deposit it at another bank you control and ACH transfer to Synchrony, or wire the funds.
- No mortgage, auto loan, or personal loan products on the deposit side. Synchrony Financial focuses on private-label and co-branded credit cards for its lending side; it does not offer mortgages or general installment loans through the Synchrony Bank deposit brand.
Synchrony Perks Rewards Program: how status tiers work
One Synchrony feature most competitors do not match is the Synchrony Perks Rewards Program, a balance-tier system that rewards customers who keep larger balances at Synchrony. The four-tier program (Basic, Silver, Gold, Platinum, Diamond) provides escalating benefits at each level. Notable Diamond-tier benefits include:
- Unlimited domestic ATM fee refunds (vs the $5/statement cap for Basic customers)
- Free wire transfers
- Free official bank checks
- Dedicated Diamond-tier customer service line
- Higher daily transfer limits
Tier qualification is based on the total Synchrony Bank deposit balance. Specific dollar thresholds for each tier are published on synchrony.com and can change over time.
Synchrony Bank hours, customer service hours, and open now
Synchrony operates online only; traditional branch hours do not apply. The relevant hours are customer service phone availability and automated phone-service availability.
| Service | Hours |
|---|---|
| Synchrony Bank deposit accounts (live agent) | Monday to Friday 8:00 AM to 10:00 PM ET; Saturday and Sunday 8:00 AM to 5:00 PM ET |
| Synchrony Bank automated savings phone | 24 hours a day, 7 days a week for balances, transfers, recent transactions |
| synchrony.com and Synchrony Bank mobile app | Available 24/7 for routine banking |
| Synchrony Bank IRA, Trust, and Business teams | Monday to Friday business hours; not available on weekends |
| Synchrony Bank live chat | Monday to Friday 8:00 AM to 10:00 PM ET |
| Synchrony corporate office (Stamford, CT) | Monday to Friday 8:00 AM to 6:00 PM ET (not a customer-service branch) |
Federal holidays affect Synchrony Bank in two ways: live-agent phone customer service is reduced or closed on the standard 11 US federal holidays, and ACH transfers do not process on federal holidays because the Federal Reserve’s ACH network is closed. Automated phone services and the mobile app remain available 24/7 on federal holidays.
Federal holidays:
- New Year’s Day (January 1)
- Martin Luther King Jr. Day (third Monday of January)
- Presidents Day (third Monday of February)
- Memorial Day (last Monday of May)
- Juneteenth National Independence Day (June 19)
- Independence Day (July 4)
- Labor Day (first Monday of September)
- Columbus Day (second Monday of October)
- Veterans Day (November 11)
- Thanksgiving Day (fourth Thursday of November)
- Christmas Day (December 25)
Is Synchrony Bank open now near me? Live-agent phone customer service is open during business hours listed above. Automated phone services and the website/mobile app are always available. There are no Synchrony retail branches with hours to check. See our Banks Open on Holidays Near Me page for the full federal holiday schedule.
Contact Synchrony Bank: customer service phone numbers
- Synchrony Bank deposit accounts (savings, CDs, money market, IRA): 1-866-226-5638 (Monday to Friday 8:00 AM to 10:00 PM ET; Saturday and Sunday 8:00 AM to 5:00 PM ET)
- Synchrony Bank general inquiries: 1-866-419-4096
- Synchrony Bank automated phone (24/7 self-service): 1-866-226-5638 same number, automated menu available outside live agent hours
- Synchrony Financial corporate switchboard: 1-800-677-0718
- Synchrony Financial corporate main line: +1-203-585-6730
- Synchrony credit card customer service (NOT Synchrony Bank deposits): varies by card brand (e.g., Amazon Store Card has its own number, Care Credit has its own, etc.). See the customer-service number on the back of your specific Synchrony-issued credit card.
The Synchrony Bank deposit customer-service line at 1-866-226-5638 handles savings, CDs, money market, IRA CDs, ATM card requests, and most account-servicing questions. IRA, Trust, and Business teams operate weekdays only. The automated phone menu is available 24/7 for balance checks, recent transactions, and simple transfers.
About Synchrony Bank: history and the GE Capital spin-off
Origin: GE Money Bank and the credit-card heritage
Synchrony Bank traces back to GE Capital Retail Bank (formerly GE Money Bank, and earlier Monogram Bank), the consumer-finance arm of General Electric. For decades, the bank provided private-label store credit cards to major US retailers including Lowe’s, JCPenney, Sam’s Club, Care Credit, and others. The relationship with these retail brands is the reason Synchrony today is one of the largest US issuers of private-label and co-branded credit cards.
Spin-off from GE Capital (July 2014)
As part of GE’s broader retreat from financial services after the 2008 financial crisis, GE spun off Synchrony Financial in July 2014 via an initial public offering on the New York Stock Exchange. The spin-off was completed in November 2015 when GE distributed its remaining Synchrony shares to GE shareholders. Synchrony Financial became an independent, publicly traded company under ticker SYF, headquartered in Stamford, Connecticut.
Synchrony Bank as an online deposit bank
Synchrony Bank (the deposit-bank subsidiary of Synchrony Financial) grew its consumer deposit operations during and after the spin-off, positioning itself among the top-tier online high-yield deposit banks alongside Marcus, Ally, Discover, and American Express. Synchrony’s deposit growth is driven by competitive APYs, no monthly fees, no minimum balances, the optional ATM card, and the Perks Rewards Program that rewards higher balances with better terms.
What Synchrony does on the credit-card side
Beyond the deposit bank, Synchrony Financial is one of the largest US issuers of private-label and co-branded credit cards. Some of the better-known Synchrony-issued cards:
- Amazon Store Card and Amazon Prime Store Card
- Lowe’s Advantage Card and Lowe’s Business Advantage
- PayPal Cashback Mastercard and PayPal Credit
- Sam’s Club Mastercard and Sam’s Club Business cards
- Care Credit, the leading healthcare-financing card
- JCPenney Credit Card and JCPenney Mastercard
- Belk Credit Card and Belk Master Card
- Verizon Visa Card
- Discount Tire credit card, Mattress Firm card, Ashley Furniture card, Rooms To Go card
- Synchrony Premier World Mastercard, Synchrony’s own general-purpose rewards card
- Approximately 200 other private-label and co-branded card programs at major US retailers, healthcare providers, automotive dealers, and home-improvement chains
The credit-card and deposit-bank sides of Synchrony are separately managed; deposit-bank customers and credit-card holders interact with different customer service operations. If you have a Synchrony Bank deposit account AND a Synchrony-issued credit card (such as the Amazon Store Card), the two relationships are not automatically linked.
Frequently asked questions
Where is the Nearest Synchrony Bank Branch Near Me?
Synchrony Bank has no retail branches anywhere in the United States. It is an online-only deposit bank with banking handled through synchrony.com, the Synchrony Bank mobile app, and the customer-service phone line at 1-866-226-5638. Synchrony corporate offices exist in major US cities (Stamford CT, Charlotte NC, Phoenix AZ, Atlanta GA, Dallas TX, and others), but these are not customer-facing bank branches.
How to Find the Closest Synchrony Bank ATM Around Your Location
If you have requested the optional Synchrony ATM card for your High-Yield Savings or Money Market account, you can use any ATM that displays the Plus or Accel logos to find the closest ATM machine around you. The Plus and Accel networks span many credit-union ATMs and bank-branch ATMs across the United States. Synchrony refunds up to $5 in surcharge fees per statement cycle for domestic ATMs (unlimited for Diamond Perks Rewards customers).
Use the Map to See Locations of Synchrony Bank Around You
The map shows Synchrony corporate offices and operations centers, which are NOT customer-facing bank branches. Synchrony banking is conducted entirely online or by phone. Synchrony ATM card holders can find ATMs at any location that displays the Plus or Accel network logos, including most credit-union branches and many bank-branch ATMs nationwide.
Does Synchrony Bank have an ATM card or debit card?
Yes, optionally. Synchrony Bank offers an optional ATM card for both the High-Yield Savings Account and the Money Market Account. The card works at any ATM on the Plus or Accel networks. Synchrony itself does not charge a fee for ATM withdrawals; surcharges charged by other financial institutions are refunded up to $5 per statement cycle for domestic ATMs. Diamond Perks Rewards customers receive unlimited domestic ATM fee refunds. Note: the card is an ATM card only, not a debit card for retail purchases.
Does Synchrony Bank have a checking account?
No. Synchrony does not offer a primary checking-account product. The closest substitute is the Money Market Account, which includes check-writing privileges and the optional ATM card. Synchrony’s deposit-account lineup focuses on savings, money market, CDs, and IRA CDs.
Is Synchrony Bank still accepting new accounts in 2026?
Yes. Synchrony Bank’s High-Yield Savings, Money Market Account, CDs (regular, Bump-Up, and IRA), and ATM card option are all open to new applicants in 2026. Applications are completed entirely online at synchrony.com and typically take a few business days to fund and activate via an external bank link.
What is the Synchrony Bank customer service phone number?
The main Synchrony Bank deposit accounts customer service number is 1-866-226-5638, available Monday to Friday 8:00 AM to 10:00 PM ET and Saturday and Sunday 8:00 AM to 5:00 PM ET. The same number provides 24/7 automated phone services outside live agent hours. Synchrony Bank general inquiries can also be reached at 1-866-419-4096. Note: Synchrony-issued credit cards (Amazon Store Card, Lowe’s, Care Credit, etc.) have their own separate customer service numbers printed on the back of each card.
Is Synchrony Bank FDIC insured?
Yes. Synchrony Bank is FDIC-insured (Member FDIC). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category. If you have multiple accounts at Synchrony Bank (savings, money market, CDs, IRA CDs), the FDIC limit applies to your combined balance at Synchrony Bank.
Where is Synchrony Bank headquartered?
Synchrony Bank operates within Synchrony Financial, which is headquartered at 777 Long Ridge Road, Stamford, Connecticut 06902. Synchrony also has major operations and customer service centers in Charlotte, North Carolina; Phoenix, Arizona; St. Cloud, Minnesota; Dayton, Ohio; Atlanta, Georgia; and Dallas, Texas. None of these are customer-facing bank branches.
What is the current Synchrony Bank Savings APY?
The Synchrony High-Yield Savings APY is variable and changes as market interest rates change. The recent rate has been approximately 3.40% APY. CD rates range from approximately 0.25% to 4.10% APY depending on the term. Check synchrony.com for the current published rates before opening or funding an account.
How is the Synchrony Perks Rewards Program structured?
The Synchrony Perks Rewards Program is a four-tier system (Basic, Silver, Gold, Platinum, Diamond) that provides escalating benefits based on the total Synchrony Bank deposit balance. Basic customers get the standard $5-per-statement-cycle ATM fee refund cap; higher tiers progressively expand benefits. Diamond Perks Rewards includes unlimited domestic ATM fee refunds, free wire transfers, free official bank checks, dedicated Diamond-tier customer service, and higher daily transfer limits. Specific tier thresholds are published on synchrony.com.
Is Synchrony Bank the same as the Amazon Store Card?
Synchrony Bank is the issuer of the Amazon Store Card (and the Amazon Prime Store Card), but they are different products. Synchrony Bank is the FDIC-insured deposit bank that offers savings, CDs, money market, and IRA CDs. The Amazon Store Card is a credit card issued by Synchrony Bank to Amazon customers, with separate customer service operations and account access. Your Synchrony Bank deposit account and your Amazon Store Card are NOT automatically linked.
Why does Synchrony issue so many store credit cards?
Synchrony Financial inherited a large book of retail and private-label credit-card business from GE Capital Retail Bank (the predecessor) when the company was spun off in 2014. Synchrony has been the leading US issuer of private-label credit cards for decades, with relationships at many major US retailers including Lowe’s, JCPenney, Sam’s Club, Care Credit, Belk, Discount Tire, and approximately 200 other partners. The credit-card side of Synchrony is a separate business from the Synchrony Bank deposit side.
For more banking guides
- Marcus by Goldman Sachs Near Me, an online-only deposit-bank competitor with high-yield savings and CDs but no ATM card
- Ally Bank Near Me, an online-only bank that does offer a full checking-plus-debit-card account in addition to high-yield savings
- Discover Bank Near Me, an online-only deposit bank now owned by Capital One
- American Express National Bank Near Me, AmEx’s online savings and CD operation
- Capital One Bank Near Me, an alternative offering both high-yield savings and checking-plus-ATM access
- Charles Schwab Bank Near Me, an online-first bank with unlimited worldwide ATM fee rebates
- Banks Open on Holidays Near Me, the federal holiday schedule and which banks observe which holidays
- ATM Near Me, find ATMs at any bank, surcharge-free options, and drive-thru ATMs
- Banks Near Me homepage, a directory of 70+ US, UK, and international banks