North One vs Synchrony Bank

North One is a good business banking features and tools with no monthly fees. How does it compare to Synchrony Bank? Read our comparison chart below.

North One offers business banking with built-in financial tools. You get unlimited sub-accounts, a bill pay feature, and app integrations.

While Synchrony Bank offers high interest savings with an ATM card for easy withdrawals. There is no minimum deposit. Their CDs require a $2,000 minimum deposit to open. There are no service fees for any products.

Compare North One with Synchrony Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	North One	Synchrony Bank

	Visit Site	Learn More
	SPECIAL OFFER North One Free Business Banking - Up to 2.50% APY - Learn More Read North One Review	SPECIAL OFFER High Yield Savings - 4.00% APY - Learn More Read Synchrony Bank Review
	Benefits and Features
Savings	No savings account, but you can create unlimited envelopes for savings goals	4.00% APY. No monthly service fee and no minimum deposit. An ATM card is provided for easy withdrawal. Synchrony will refund ATM fees for other banks up to $5 per statement cycle
CD		0.25% to 4.35% APY. Terms of 3 months to 5 years. No minimum deposit to open.
Checking	$0 monthly fee; no balance requirements
Monthly Fee	$0
Money Market		2.00% APY. No monthly service fee and no minimum deposit.
APY	up to 3.00% APY for Plus Accounts; up to 2.50% APY for Standard Accounts that meet eligibility requirements
Minimum Deposit to Open	$50
Mobile App		iOS & Android
ACH Transfer Fee	$0
ATMs	38,000+ MoneyPass ATMs	Any ATMs with Plus or Accel logos
Balance Requirement	None
Cash Deposit Fee	up to $4.95; 1 refund/month (Standard members); 3 refunds/month (Plus members)
Customer Service	Phone, email, and live chat: Monday - Sunday, 8 am - 10 pm EST.	Mon-Fri 8:00 am - 10:00 pm (ET); Sat-Sun 8:00 am - 5:00 pm (ET)
Incoming Wire Transfer Fee	$0 for domestic wires
IRA CD		0.25% to 4.15% APY. Terms of 3 months to 5 years. No minimum deposit to open.
IRA Money Market		2.00% APY.
Locations	Online only	Online Only
Out of Network ATM Fee	Fee from ATM owner
Outgoing Wire Transfer Fee	$20 for domestic wires
Overdraft Fee	$0
	CreditDonkey® Reviews

Checking
Fees
Mobile App
Customer Service
Savings
Money Market
Pros & Cons	Pros: No monthly fees Unlimited envelopes App integrations Cons: No international wires Cash deposit fee	Pros: Savings with ATM card High APY All balance tiers receive same rate Cons: No checking account Limited customer service hours
Bottom Line	Good business banking features and tools with no monthly fees... Read full review	Good online bank offering high interest rates... Read full review
	Visit Site	Learn More
	North One Free Business Banking - Up to 2.50% APY North One Plus Business Banking - Up to 3.00% APY North One Free Business Banking - Up to 2.50% APY	High Yield Savings - 4.00% APY Money Market - 2.00% APY Certificate of Deposit
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. North One: Information sourced from the published website as of 02/25/2025. Synchrony Bank: Pricing information from published website as of 04/18/2025.

North One Free Business Banking - Up to 2.50% APY

2.50% APY on balances up to $250,000 for eligible customers
Business banking for teams
Automatic invoice ingestion and payments
Sales and revenue analytics
Unlimited account envelopes
Close to 100 integrations
Over $5000 in perks for new customers
No monthly fees, no application fees, no minimum balance

North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

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North One Plus Business Banking - Up to 3.00% APY

3.00% APY on balances up to $250,000 for eligible customers
Priority email/chat support
Dedicated relationship manager
Implementation and onboarding assistant
$0 same-day ACH payments, bill payments, and physical checks
Lowest transaction fees
$50 minimum opening deposit
$20 monthly fee

North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

Learn More

North One Free Business Banking - Up to 2.50% APY

2.50% APY on balances up to $250,000 for eligible customers
Unlimited envelopes for all your business budgets
Integrations with popular accounting and payment processing apps
Automate your bill payments
$50 minimum opening deposit

North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

Learn More

Which is Better: North One or Synchrony Bank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing North One or Novo.

In short: North One's customer service is outstanding.