Synchrony Bank Login: How To Access Your Account Securely

J. Michael Jones / Getty Images

Commitment to Our Readers

GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.

20 Years
Helping You Live Richer

Reviewed
by Experts

Trusted by
Millions of Readers

Synchrony Bank got its start as the consumer credit arm of General Electric way back in 1932, but the financial services firm was spun off as its own company in a 2014 IPO. And like other financial services companies, it provides online-only consumer banking. Synchrony does not have physical branches, so it’s important you feel comfortable banking through its website.

How To Log In to Your Synchrony Bank Account

Logging in to Synchrony from your computer is a simple and easy process.

1. Go to SynchronyBank.com. Note: There are multiple Synchrony sites, like Synchrony.com and MySynchrony.com, so be sure you’re visiting the consumer banking site.
2. Click on the “Sign In” button in the top right of the screen.
3. Enter your username and password, and click the “Sign In” button.

You can also access and manage your Synchrony Bank account using the mobile app.

1. Visit the App Store or Google Play and search “Synchrony Bank.”
2. Download the Synchrony Bank app to your device.
3. Open the app when it has finished downloading and follow the prompts to log in.

How To Reset Your Synchrony Bank Login Credentials

Resetting your password and recovering your username can be done from your computer or app. Here is what you need to do. 

Resetting Your Password

• Go to Synchrony Bank’s online banking login page.
• Below the normal fields for username and password will be sections that read “Forgot Username” or “Password.” Click on the one that applies to you.
• For each option, you’ll be prompted to confirm your identity by entering your Social Security number and birthdate.

Recovering Your Username

You will need to take steps to retrieve your username.

• Access the Synchrony Bank’s “Forgot Username” page.
• Provide the information that is requested. This may include your Social Security number and date of birth.
• Submit that information and click on “Continue” for any additional steps. 

Contacting Synchrony Bank Support for Assistance

Call 1-866-226-5638 to speak with a customer service representative. A live representative is available during the following times:

• Monday to Friday: 8:00 a.m. to 10:00 p.m. EST
• Saturday and Sunday: 8:00 a.m. to 5:00 p.m. EST. 

Synchrony Mobile App Login Guide

Downloading the app isn’t hard to do. Follow these instructions to access what Synchrony mobile banking offers you. 

1. Download and set up the app. Access the app through the Google Play store or App Store. 
2. Set up your account: If you’re new to online banking with Synchrony, open the app and select “Register.” Provide the required information to establish your account.
3. Login: Use your newly created credentials to log in.
4. Enable biometric login: To set this up, access your app and go to the settings. Click “Security” and then look for “Enable Face ID or Fingerprint login.” Follow the prompts to scan your face or fingerprint. 

Features Available Through Mobile Banking

There are several features available through mobile banking. These include the following: 

• Checking your account balances
• Making transfers
• Viewing transaction history
• Accessing customer service 
• Depositing checks
• Paying bills

Troubleshooting Synchrony Bank Login Issues

If you’re checking your bank account via your computer or app, you will receive error messages and possible compatibility issues from time to time. 

Common Login Errors and Solutions

Some common Synchrony Bank login errors may appear as you’re trying to access your account. Here are some errors and potential solutions: 

• Wrong username or password. Double-check the username and password. Also, make sure your caps lock key is on or off based on your password. Click “Forgot Username or Password” to reset credentials. 
• A large number of failed attempts. If you try to log in but fail too many times, the system will automatically lock you out. Wait 30 minutes before you try to log in again or reset your password. 
• Outdated credentials. If you’re using a saved password, it may be the wrong credentials. Clear saved passwords. 

Browser and Device Compatibility Issues

Sometimes browser and device issues prevent you from gaining access to your account. 

You may need to clear your cache or cookies.

• For Safari:
  • Click on “Preferences” and then “Privacy.”
  • Once you are in the privacy setting, navigate to “Manage Website Data.”
  • Click “Remove All.” 
• For Chrome:
  • Navigate to settings and then click on “Privacy & Security.”
  • Choose “Clear Browsing Data.” 

Try using a different device or browser to see if this clears your account issues. Another option is to disable browser extensions.

How To Unlock a Temporarily Locked Account

To unlock an account that is locked, you can do the following: 

• Be patient. Wait at least 30 minutes to log in again. 
• Change your password. Click “Forgot Your Password” and follow the steps to reset it. 
• Call customer service. If your account remains locked, call customer service at 1-866-226-5638 for help. 

Logging In From a New Device or Location

Synchrony Bank will ask you to verify your account if you log in using a new device or location.

• Synchrony Bank will send you a one-time passcode to your email or registered phone number when you try to log in using a new device or an unfamiliar location.
• You may be asked for various information to verify your identity. This may include the following:
  • Take a video of yourself.
  • Upload a valid ID to the bank portal.
  • You may be asked for answers to your security questions.
  • Facial recognition and fingerprint ID may also be requested. 

What To Do if You Receive a Suspicious Login Alert

Do not ignore a suspicious Synchrony Bank login alert. Please take it seriously. Immediately review your account to determine if there are transactions that you haven’t authorized. 

Change your password and enable two-factor authorization. In addition, contact Synchrony Bank and report specific transactions with the date and the unauthorized amounts. 

Updating Trusted Devices in Your Account Settings

To update a new device, you need to navigate to your settings. Access “Security” or “Device Management” and view the list of devices currently recognized by your account. Remove any devices you don’t recognize.

Adding a new device requires you to follow the prompts to verify and add it as a trusted device.

Enabling Two-Factor Authentication for Added Security

Two-factor authentication helps add another layer of security. Not only do you have to enter a password, but you also have to input a code via text or an authenticator app to access your account. 

How To Set Up 2FA on Your Synchrony Bank Account

2FA is easy to add to your account.

1. Access your Synchrony Bank account on your phone or computer.
2. Enter your username and password.
3. Access the “Security and Privacy” tab under your settings. 
4. Look for the option for multi-factor authentication.
5. Follow the on-screen instructions to set up 2FA, which may involve verifying your phone number or email address.

Benefits of Extra Security Measures

There are a handful of benefits from enabling 2FA.

• You have enhanced protection. Even if your password is compromised, 2FA can prevent further unauthorized access.
• 2FA reduces the risk of identity theft and fraud because you have multiple layers of protection. 
• Having 2FA also gives you peace of mind knowing that your sensitive information is protected. 

How To Safely Log In to Your Synchrony Bank Account

There are some actions you can adopt to protect your account information. Most of these measures take only a few minutes and can save you future headaches. 

Recognizing Phishing Scams and Fake Websites

Synchrony Bank will never ask for your login or password information over email or text. However, scammers and hackers engage in phishing scams to entice you to click a link so that they can steal your financial information.  

Be aware of URLs that may look similar to your Synchrony Bank, but are actually misspelled or have errors. Also, be wary of any “urgent” requests. These are likely efforts to scam you into giving up your information quickly. 

Best Practices for Secure Online Banking

There are practices you can adopt to access your accounts safely. Use a password that is between eight to 12 characters including capital letters, numbers and symbols. Also, enable 2FA so that you have an extra layer of security when accessing your accounts.

If you notice something is wrong with your account, review your transaction history and contact Synchrony Bank as soon as possible. 

Using a Secure Network for Banking Transactions

Your transactions are at risk when you access your accounts from a public Wi-Fi network. Public places like airports and retail stores have public Wi-Fi. Your information is at risk from hackers and scammers on public networks. Instead, use a private network to log in to your bank accounts. 

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 March 4, 2025.

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.

Share This Article: