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Synchrony Bank Promotions

Read our in-depth review of Synchrony Bank to see why Synchrony Bank scored 4.3 stars out of 5. We like their savings with atm card, high apy, and all balance tiers receive same rate.

If you're looking for bank promotions, you must check out these offers.

4.75%

High Yield Savings - 4.75% APY

$0 minimum opening deposit. No minimum balance requirement. No fees to open or maintain account.

Money Market

  • 2.25% APY
  • $0 minimum opening deposit
  • No minimum balance requirement
  • No fees to open or maintain account
  • ATM card
  • Daily Compounding Interest
  • FDIC Insured

Certificate of Deposit

  • Up to 5.15% APY
  • Up to 5 years
  • $0 minimum opening deposit
  • Daily Compounding Interest
  • FDIC Insured
5.15%

IRA CD - Up to 5.15% APY

  • Up to 5.15% APY
  • Up to 5 years
  • $0 minimum opening deposit
  • Ability to open Roth or Traditional IRA
  • Ability to add funds during 10-day grace period after CD maturity
  • FDIC Insured
5.00%

IRA Certificate of Deposit - Up to 5.00% APY

CD Term APY
3 Months 0.25%
6 Months 4.40%
9 Months 4.65%
12 Months 4.80%
13 Months 4.50%
14 Months 5.00%
15 Months 4.50%
16 Months 4.00%
18 Months 4.50%
19 Months 4.00%
24 Months 4.20%
36 Months 4.15%
48 Months 4.00%
60 Months 4.00%

4.90%

9-Month CD - 4.90% APY

4.80%

12-Month CD - 4.80% APY

4.50%

18-Month CD - 4.50% APY

4.20%

24-Month CD - 4.20% APY

4.15%

36-Month CD - 4.15% APY

4.00%

60-Month CD - 4.00% APY

3.60%

24-Month Bump Up CD - 3.60% APY

0.25%

11-Month No-Penalty CD - 0.25% APY

  • No minimum balance required
  • Withdraw all of your funds any time after the first 6 days following funding of the account

Certificate of Deposit

CD Term APY
3 Months 0.25%
6 Months 5.15%
9 Months 4.90%
12 Months 4.80%
13 Months 4.50%
14 Months 5.00%
15 Months 4.50%
16 Months 4.00%
18 Months 4.50%
19 Months 4.00%
24 Months 4.20%
36 Months 4.15%
48 Months 4.00%
60 Months 4.00%

IRA Money Market Account

  • 2.25% APY
  • $250 minimum deposit to open account
  • Ability to open Roth or traditional IRA account
  • Make deposits at any time rather than waiting for a maturity date
  • FDIC Insured
High-Yield Savings Premier - 5.36% APY

High-Yield Savings Premier - 5.36% APY

  • No account activity or maintenance fees
  • $500 minimum opening deposit
  • FDIC insured
5.36% annual percentage yield (APY) is accurate as of 1/17/2024 and subject to change at the Bank's discretion. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. Member FDIC
US Bank
Member FDIC

U.S. Bank Smartly® Checking and Standard Savings - Up to $700 Bonus

Expires 6/27/2024
Earn up to $700 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through June 27, 2024. Member FDIC.

Earn up to $500 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:

  • Enroll in online banking or the U.S. Bank Mobile App
  • Make two or more direct deposit(s) totaling $3,000 to $4,999.99 to earn $100, $5,000 to $9,999.99 to earn $300 or $10,000 or more to earn $500

Earn up to $200 with a new Standard Savings account.

  • Make new money deposit(s) totaling $15,000 or more by July 17, 2024
  • Maintain that balance until October 31, 2024

Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.

Chase
Member FDIC

Chase Secure Banking℠ - $100 Bonus

Expires 7/24/2024
  • New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
  • Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
  • No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
  • No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
  • Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
  • Track your credit score, get a personalized action plan provided by Experian™ to help improve your score and receive identity monitoring for free through Chase Credit Journey®.
  • Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
  • Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
  • JPMorgan Chase Bank, N.A. Member FDIC.
Discover Bank
Member FDIC

IRA Certificate of Deposit

  • 4.70% APY for 12-month term
  • 3.75% APY for 36-month term
  • 3.75% APY for 5-year term
Chase
Member FDIC

Chase Total Checking® - $300 Bonus

Expires 7/24/2024
  • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
  • Access to more than 15,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
  • Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*

    Highlights

    Savings
    4.75% 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 5.15% APY. Terms of 3 months to 5 years. No minimum deposit to open.
    Money Market
    2.25% APY. No monthly service fee and no minimum deposit.
    ATMs
    Any ATMs with Plus or Accel logos
    Customer Service
    Mon-Fri 8:00 am - 10:00 pm (ET); Sat-Sun 8:00 am - 5:00 pm (ET)
    IRA CD
    0.25% to 5.15% APY. Terms of 3 months to 5 years. No minimum deposit to open.
    IRA Money Market
    2.25% APY.
    Locations
    Online Only

Pricing information from published website as of 04/11/2024.

 

Synchrony Bank

Ally Bank

 

Benefits and Features

Savings4.75% 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
4.25% APY
CD0.25% to 5.15% APY. Terms of 3 months to 5 years. No minimum deposit to open.3.00% to 4.50% APY. Terms of 3 months to 5 years. 12-month CD APY of 4.50%
Checking 0.10% APY for daily balances less than $15,000. 0.25% APY for daily balances over $15,000
Money Market2.25% APY. No monthly service fee and no minimum deposit.
4.25% APY
Mobile App 
iOS & Android
ATMsAny ATMs with Plus or Accel logosOver 43,000 no-fee Allpoint ATMs
Customer ServiceMon-Fri 8:00 am - 10:00 pm (ET); Sat-Sun 8:00 am - 5:00 pm (ET)
24/7
IRA CD0.25% to 5.15% APY. Terms of 3 months to 5 years. No minimum deposit to open. 
IRA Money Market2.25% APY. 
Locations
Online Only
Online only

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Synchrony Bank: Pricing information from published website as of 04/11/2024.

Ally Bank: Pricing information from published website as of 04/11/2024.

48-Month CD - 4.00% APY


Synchrony Bank Alternatives

Chase Business Complete Banking® - $300 Bonus

Chase Business Complete Banking® - $300 Bonus

Expires 7/22/2024
  • Earn $300 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
  • Multiple ways to waive the $15 Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card.
  • Full-service business banking. Convenient access to all your business banking services in one place -- lending, checking, credit card and payment solutions.
  • Your choice of payment types. Choose from a full range of options for accepting payments and making deposits that include Zelle®, Online Bill Pay, wire transfers and ACH payments.
  • Convenient access to payment processing. Process all major debit and credit cards with QuickAccept®. It's a built-in feature with your Business Complete Checking account.
  • Helping you save money. Multiple ways to waive $15 service fee and unlimited digital transactions helps you keep more of your money.
  • Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology.
  • Trusted and secure financial partner. We're committed to helping you grow and protect your business.
Discover Bank
Member FDIC

Online Savings Account - Earn 4.25% APY

  • No fees
  • No minimum opening deposit
  • No minimum balance required
Bank of America
Member FDIC

Bank of America Advantage Banking - $200 Bonus Offer

Expires 5/31/2024
  • The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new checking customers only.
  • Offer expires 5/31/2024.
  • To qualify, open a Bank of America Advantage Banking account through the promotional page and set up and receive qualifying direct deposits totaling $2,000 or more into that new account within 90 days of opening.
  • Bank of America will attempt to pay bonus within 60 days.
  • Additional terms and conditions apply. See offer page for more details.
  • Bank of America, N.A. Member FDIC.
US Bank
Member FDIC

Silver Business Checking Package - Up to $800 Bonus

Expires 4/23/2024

Earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through April 23, 2024. Member FDIC. Complete these steps to earn the offer:

Earn your $350.

  • Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.

Earn your $800.

  • Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
CIT Bank
Member FDIC

CIT Bank Platinum Savings - 5.05% APY

  • 5.05% APY with a balance of $5,000 or more
  • 0.25% APY with a balance of less than $5,000
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC

Articles on Synchrony Bank

Synchrony Bank Review

Synchrony offers some of the highest savings and CD rates. But there are downsides. Read this review before you open an account.

Synchrony High Yield Savings Review

Synchrony's high-yield savings account has a high APY with no fees. But they also have more to offer than just that. Read on to know all the details.

Synchrony Bank CD Rates

Are CD rates good at Synchrony Bank? Find out if you should open a Synchrony CD.

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More Bank Promotions

Ally Bank Promotions

Online Savings Account - 4.25% APY

Marcus

Marcus Online Savings - Earn 4.40% APY
Chase
Member FDIC

Chase Coupon

Chase Bank $300 Bonus
Discover Bank
Member FDIC

Discover Bank

Online Savings Account - Earn 4.25% APY

Citibank Promotions

Checking with Enhanced Direct Deposit - $300 Cash Bonus

Wells Fargo Promotions

Savings Account - $525 Bonus

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About CreditDonkey
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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