Online High Yield Savings Accounts - June 2024 Rates (2024)

You can access your money in your High Yield Savings and (non-IRA) Money Market accounts these ways:

• ATM: With the optional ATM card available with a High Yield Savings or Money Market account, you can get cash and perform basic transactions either in the U.S. or abroad, at any ATM displaying the Plus or Accel logos. Synchrony Bank currently doesn’t charge a fee to use an ATM, but there may be an ATM fee charged by the ATM owner/operator. Synchrony Bank will refund domestic ATM fees charged by other financial institutions, up to $5 per statement cycle. If you have Diamond status in our Perks Rewards program, you’ll receive unlimited ATM fee refunds each statement cycle. (Fees associated with using an ATM machine abroad, such as currency conversion and foreign transaction fees, are not refundable by Synchrony Bank.)
• Electronic transfer:You can transfer your money to and from accounts you hold at Synchrony and other banks. Just sign in to synchronybank.com. You can also use our automated phone system by calling 1-866-226-5638 anytime. We do not charge a fee to transfer funds to and from your High Yield Savings and Money Market accounts.
• Check: You can optionally request checks for your Money Market account.
• Wire transfer: Request a wire transfer from your High Yield Savings or Money Market account by calling 1-866-226-5638 from 7 a.m. to midnight ET Monday–Friday, or 8 a.m. to 5 p.m. ET Saturday–Sunday.

You can deposit money to your High Yield Savings or Money Market Account in several ways:

• Transfer from a Synchrony Bank account.
• Electronic transfer (ACH) from a non-Synchrony Bank account that you’ve linked to your account.
• Mobile check deposit via the Synchrony Bank mobile app. Sign into the app, tap the Deposit tab, select your account and take a picture of the check on your mobile device or tablet. The amount of a mobile check that you can deposit is currently limited to $2,000 USD per account.
• Direct deposit from a third party.
• Wire transfer to your Synchrony Bank account (must be initiated by the sending bank).
• Personal or cashier’s check. You can mail the check to:

Synchrony Bank
PO Box 669802
Dallas, TX 75266-0955

If you don’t have a deposit slip, note your Account Type and Number in the Memo section of the check. Endorse the back of the check with “For Deposit Only Account #XXXXXX” (and insert your account number for the X’s).

Yes. Synchrony Bank is a member of the FDIC, so your deposit accounts with us are insured up to $250,000 per ownership category. If you want, learn more about FDIC insurance limits.