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.
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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 40 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.
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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.

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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