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Synchrony Bank logo

Synchrony Bank

High-Yield Savings

4.1
(12 reviews)
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Top APY
No Fees
Account Images
Synchrony Bank - Image 1
Account Overview

3.65% APY

Annual Percentage Yield

Minimum Deposit$0
Monthly FeeNo Fee
FDIC Insured
Yes
About This Account

Synchrony Bank offers one of the highest APYs available with no fees and no minimum balance requirements, plus the convenience of an optional ATM card.

Key Highlights

  • 3.65% APY
  • No minimum balance
  • ATM card available
  • No monthly fees
Pros
  • Excellent 3.65% APY
  • No fees
  • ATM card with reimbursements
  • No minimum deposit
  • Strong CD rates
Cons
  • No checking accounts
  • Limited banking products
  • Online-only
Features & Benefits
3.65% APY with no minimum balance
No monthly fees or service charges
Optional ATM card with fee reimbursements
Mobile and online banking
FDIC insured
$5 monthly ATM fee reimbursement
Customer Reviews
4.1
(12 reviews)
"I've had savings accounts with Synchrony for years and never had a problem ever. I received great interest on my money currently 4.75% High Yield. No complaints from me."
Anonymous
Synchrony Bank logo
DepositAccounts
2025
"Synchrony's high-yield savings account earns a competitive 4.75% APY with no minimum deposit requirements and no monthly fees. Another major perk is that it comes with an ATM card."
Anonymous
Synchrony Bank logo
ConsumerAffairs
2025
"Synchrony's rates are much higher than the FDIC national average. The bank's high-yield savings account earns 4.75% APY; meanwhile, the national average for savings accounts is just 0.46%."
Anonymous
Synchrony Bank logo
ConsumerAffairs
2025

3.65% APY

Current Rate

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Rates subject to change. Terms and conditions apply.

Quick Facts
Account TypeHigh-Yield Savings
Min. Opening Deposit$0
Monthly Maintenance FeeNone
FDIC InsuredYes
Customer Rating4.1/5