Synchrony Bank Reviews, Rates and Information

AVG Customer Rating ★★★★★


Rated Top 10 Savings Account in GOBankingRates Best Banks Study

Synchrony Bank, a featured partner of GOBankingRates, offers a digital storefront to help you meet your personal finance goals. A former subsidiary of General Electric Co., Synchrony Bank acquired MetLife Bank's deposit business in January 2013, including $6.4 billion in deposits and its online banking operation.

Synchrony Bank offers a wide range of retail banking and lending services. The lending arm of the online bank offers a range of personal loans to cover the unexpected costs of life, from auto parts loans to loans for electronics, home improvement loans, and healthcare loans. Synchrony Bank OptimizerPlus+ deposit accounts also help customers get further in their savings goals. The money market and savings accounts offer high-yield earning while still keeping funds accessible. Synchrony Bank also offers long-term savings and investment vehicles in its certificates of deposit and IRAs, offering CD terms from 3 months to 60 months.

Product Information

About Synchrony Bank's Products & Services

Synchrony Bank has many personal banking offers to choose from including highly-rated term CDs, high-yield savings, and IRA money market accounts.

Synchrony Bank Products

  • High-Yield Savings

  • Optimizer Plus+ CDs

  • Money Market Accounts

More Products

  • IRA

  • Money Market Account

  • Credit Cards

Synchrony Bank Rates

Synchrony Bank: National Interest Rates

All rates effective as of 12/08/2015

Rate (APY)

Account Type

Estimated Balance for 1 year


1 Year CD


2 Year CD


3 Year CD


4 Year CD


5 Year CD


6 Month CD


Money Market



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Today's Featured Rate

Synchrony Bank Bank Fees



National Average

Monthly Inactivity


Non sufficient Fund Overdraft


Stop Payment Item


Return Deposit


Domestic Wire Transfer (Outbound)


Domestic Wire Transfer (Inbound)


Non-Bank ATM


Customer Reviews

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Aug 30, 2016 by

I think this bank is uncooperative and poor customer service.I asked to speak a supervisor and was refused.I had a concern about a payment notification I did not receive. No one acted as if they were concerned. I have been a customer with

They suck

Oct 14, 2016 by

Think before you get any credit card through Synchrony Bank, I was approved for $800 in credit line for Walmart and paid off both $500 and paid off $230 in one lump sum and they lowered my credit line to $100. My credit score went up and they still drop the credit line and can't explain why they made that decision. Their customer service sucks. Think before you open anything with them I think they are out to hurt your score and credit history then helping you.

Synchrony Bank Customer Service Information

170 West Election Road Suite 125 Draper, UT 84020 1-866-226-5638
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