Synchrony Bank Login: How To Access Your Account Securely
Written by
Rudri Bhatt Patel, CFHC™
Edited by
Nupur Gambhir, CFHC™
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Synchrony Bank is an online-only bank with no physical branches, so knowing how to access your account digitally is essential. You can log in through the Synchrony Bank website or the mobile app on iPhone or Android.
How Do You Log In to Synchrony Bank Online?
Go to SynchronyBank.com — make sure you’re on the consumer banking site and not Synchrony.com or MySynchrony.com, which are different platforms. Then:
- Click “Sign In” in the top right corner of the page
- Enter your username and password
- Click “Sign In” to access your account
How Do You Log In to the Synchrony Bank Mobile App?
- Search “Synchrony Bank” in the Apple App Store or Google Play
- Download and open the app
- If you’re a new user, tap “Register” and follow the prompts to set up your account
- Log in with your username and password
Once logged in, you can enable biometric login for faster, more secure access. Go to Settings, tap Security, and select Enable Face ID or Fingerprint Login. Follow the prompts to complete the setup.
Through the app you can check account balances, view transaction history, make transfers, deposit checks, pay bills, and contact customer service.
How Do You Reset Your Synchrony Bank Password or Username?
Forgot your password?
- Go to the Synchrony Bank login page
- Click “Forgot Password” below the login fields
- Enter your Social Security number and date of birth to verify your identity
- Follow the prompts to create a new password
Forgot your username?
- Click “Forgot Username” on the login page
- Provide your Social Security number and date of birth
- Click “Continue” and follow any additional steps to retrieve your username
What Do You Do if Your Synchrony Bank Account Is Locked?
If you enter your credentials incorrectly too many times, your account will be automatically locked. Here’s what to do:
- Wait 30 minutes and try logging in again.
- Reset your password by clicking “Forgot Your Password” and following the steps.
- Call customer service at 1-866-226-5638 if your account remains locked. Representatives are available Monday through Friday, 8 a.m. to 10 p.m. ET, and Saturday and Sunday, 8 a.m. to 5 p.m. ET.
How Does Synchrony Bank Verify Your Identity on a New Device?
When you log in from an unfamiliar device or location, Synchrony Bank will ask you to verify your identity before granting access. This may include:
- A one-time passcode sent to your email or registered phone number
- Answers to your security questions
- Uploading a valid ID to the bank portal
- A short video of yourself for identity verification
- Facial recognition or fingerprint authentication
How Do You Troubleshoot Common Synchrony Bank Login Issues?
- Wrong username or password. Double-check your credentials — including whether caps lock is on — and click “Forgot Username or Password” to reset if needed.
- Saved password not working. If your browser has saved an old password, clear your saved passwords and enter your current credentials manually.
- Account locked after too many attempts. Wait 30 minutes before trying again, or reset your password to regain access sooner.
- App or website not loading. Try clearing your browser cache and cookies, switching to a different browser, or disabling browser extensions. If the issue persists, try logging in from a different device.
- Clearing cache on Chrome: Go to Settings, then Privacy & Security, then Clear Browsing Data.
- Clearing cache on Safari: Go to Preferences, then Privacy, then Manage Website Data, then Remove All.
What Should You Do if You Receive a Suspicious Login Alert?
Take it seriously. If you receive an alert for a login you don’t recognize:
- Review your transaction history immediately for any unauthorized activity
- Change your password right away
- Enable two-factor authentication if it isn’t already on
- Contact Synchrony Bank and report any unauthorized transactions, including the date and amounts
How Do You Set Up Two-Factor Authentication on Synchrony Bank?
Two-factor authentication adds a second verification step — typically a code sent by text or email — that must be entered each time you log in. To enable it:
- Log in to your Synchrony Bank account
- Go to Settings and select Security and Privacy
- Look for the multi-factor authentication option
- Follow the on-screen instructions to verify your phone number or email
2FA means that even if someone gets hold of your password, they still can’t access your account without the second verification step.
How Do You Manage Trusted Devices on Your Synchrony Bank Account?
Go to Settings, then Security or Device Management to view a list of devices currently linked to your account. Remove any devices you don’t recognize. To add a new trusted device, follow the on-screen prompts to verify and register it.
Best Practices for Secure Synchrony Bank Login
- Use a strong password. Aim for 8 to 12 characters that include uppercase letters, numbers, and symbols.
- Enable two-factor authentication. This is one of the most effective ways to protect your account from unauthorized access.
- Avoid public Wi-Fi. Public networks at airports, cafes, and retail stores are vulnerable to hackers. Always use a private, secured network when accessing your bank account.
- Watch out for phishing scams. Synchrony Bank will never ask for your login credentials via email or text. Be cautious of urgent-sounding messages and double-check URLs carefully — scam sites often use addresses that look almost identical to the real thing.
- Monitor your account regularly. If you notice anything unusual in your transaction history, contact Synchrony Bank immediately at 1-866-226-5638.
FAQ
Here are the answers to some of the most frequently asked questions about Synchrony Bank login and account access.- Why can't I log in to my Synchrony account?
- You may be using the wrong username or password, or too many failed attempts have locked you out of your account. Also, you may be using a saved password and need to clear your browser.
- How do I enable fingerprint or Face ID login?
- You can follow these steps to enable the extra security measures:
- Open the app and enter your Synchrony Bank username and password.
- After you log in, navigate to the app's settings.
- Look for an option labeled "Biometric" or "Fingerprint Login" or "Face ID."
- Follow the prompts to access the feature.
- You can follow these steps to enable the extra security measures:
- Can I log in to multiple Synchrony accounts from one device?
- Yes, you can manage multiple Synchrony Bank accounts from a single device. Synchrony offers an "Account Manager" that allows you to view and manage your accounts.
- What should I do if I suspect unauthorized access?
- You should change your passwords, enable 2FA and alert Synchrony Bank about the breach. Continue to monitor your transactions.
More About Synchrony Bank
- Synchrony Bank Review
- Synchrony Bank CD Rates
- Synchrony Bank Savings Account Interest Rates
- Synchrony Bank Bonuses and Promotions
Joel Anderson contributed to the reporting for this article.
Information is accurate as of April 2, 2026.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
