About Synchrony Bank

Synchrony Bank (formally GE Capital Retail Bank) is a federal savings bank headquartered in Draper, Utah and a member of the Federal Deposit Insurance Corporation. It provides customized credit programs to retailers and consumers in the United States, including private label and bankcard credit programs to major national, regional and independent retailers, as well as private label credit programs, promotional and installment lending, bankcards and financial services for consumers through dealers, contractors, manufacturers, healthcare practices, and service providers across nearly 20 industries.
Customer Service #

Featured Rates

Featured Saving Rates

Compare more rates »

Add a Bank to Compare

Bank News
CIT Bank
Bank Reviews
Savings Square
Bank Rates
Doral Direct
Compare Banks

Overall Rating

MyBankTracker rated Synchrony Bank based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.


MyBankTracker Rating

Customer Rating
Based on 37 Reviews
Financial Health
Based on Texas Ratio: 8.32
Bank Fees
vs. Average
Mobile Banking
Quality of Mobile Services

Locations & Hours

Synchrony Bank Location Map
Synchrony Bank Location Map
We found branches close to you and 1 nationwide.
View Locations & Hours

Customer Reviews

Most Helpful Customer Reviews

baldi785's Profile Image

Reviewed by baldi785

Jul 24th 2014

5 out of 5 marks

Easy no hassle setup

Unlike other reviews for this bank, I experienced no issues in setting up my new savings account. I simply completed an on-line application, and utilized an electronic payment verification from an external bank to fund the account. I have called in multiple times (to order deposit slips & make schedule additional transfers) and I have never been put on hold. The only issue I would have with Synchrony is that I would like to have a mobile check deposit option, which I was told they are working on.

Overall Synchrony Bank has provided a great experience and a very competitive interest rate.

Is this review helpful? ▲ Yes 1 ▼ No 3

RyanHealey's Profile Image

Reviewed by RyanHealey

Feb 23rd 2014

2 out of 5 marks

Web Site from 1990 Makes Experience Painful

GE Capital Retail Bank handles the servicing of many credit card account for retailers such as Gap, Amazon, etc. However, it's 2014 and their customer facing web site is one of the most outdated of any bank anywhere. Sign in is cumbersome, features are hard to navigate, old accounts remain visible the staff claims there is no way to remove them and the entire site looks a decade old. I can't believe GE can't afford to have a state of the art web site that puts Discover, Chase, Citibank and others in the industry to shame. However, months and years pass with no improvement.

Is this review helpful? ▲ Yes 5 ▼ No 0

ARRRUUUGH's Profile Image

Reviewed by ARRRUUUGH

Jul 28th 2014

1 out of 5 marks

Horrible Customer Service...and worst voice response system!

This is ABSOLUTLEY the worst telephone support system I have ever tried to work with. It appears to be designed and developed by high schoolers with a rudimentary understanding of programming and no practical business or customer service experience.

So GE...instead of changing your name to something inane and ridiculous how about spending a few dollars to fix that crappy system.

I wish there was a rating below zero because that is what this service deserves.

Is this review helpful? ▲ Yes 5 ▼ No 0

Post a review View all reviews

Banking Fees

Type Fee National average
Monthly Inactivity



Non-Sufficient Fund (Overdraft)



Stop Payment item



Return Deposit



Domestic Wire Transfer (Outbound)



Domestic Wire Transfer (Inbound)



Non-Bank ATM


$5 rebate per statement cycle