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.
High Yield Savings - 3.80% APY
$0 minimum opening deposit. No minimum balance requirement. No fees to open or maintain account.
Money Market - 2.00% APY
- 2.00% 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 4.15% APY
- Up to 5 years
- $0 minimum opening deposit
- Daily Compounding Interest
- FDIC Insured
IRA CD - Up to 4.15% APY
- Up to 4.15% 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
IRA Certificate of Deposit - Up to 4.15% APY
| CD Term | APY |
|---|---|
| 3 Months | 0.25% |
| 6 Months | 3.50% |
| 9 Months | 3.75% |
| 12 Months | 4.00% |
| 13 Months | 3.60% |
| 14 Months | 3.60% |
| 15 Months | 3.60% |
| 16 Months | 3.60% |
| 18 Months | 3.80% |
| 19 Months | 3.50% |
| 24 Months | 3.50% |
| 36 Months | 4.00% |
| 48 Months | 3.50% |
| 60 Months | 4.15% |
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
IRA Money Market Account
- 2.00% 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
Certificate of Deposit
| CD Term | APY |
|---|---|
| 3 Months | 0.25% |
| 6 Months | 3.70% |
| 9 Months | 3.90% |
| 12 Months | 4.00% |
| 13 Months | 3.90% |
| 14 Months | 4.00% |
| 15 Months | 4.15% |
| 16 Months | 3.90% |
| 18 Months | 3.80% |
| 19 Months | 4.15% |
| 24 Months | 3.50% |
| 36 Months | 4.00% |
| 48 Months | 3.50% |
| 60 Months | 4.15% |
Compare Promotions
High-Yield Savings Account - 4.32% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
Bank of America Advantage Banking - $300 Bonus Offer
- The $300 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 07/31/2025.
- To qualify, open a new eligible 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 eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.
IRA Certificate of Deposit
- 4.00% APY for 12-month term
- 3.50% APY for 36-month term
- 3.50% APY for 5-year term
Chase Total Checking® - $300 Bonus
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere.
- 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*
- Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
Synchrony Bank Trending Offers
| 2 days ago | High Yield Savings - 3.80% APY selected by a visitor from Pennsylvania |
| 8 days ago | IRA Certificate of Deposit - Up to 4.15% APY selected by a visitor |
| 25 days ago | Certificate of Deposit selected by a visitor from Florida |
| 5/18/2025 | Money Market - 2.00% APY selected by a visitor from New York |
| 2/10/2025 | IRA CD - Up to 4.15% APY selected by a visitor |
Synchrony Bank CD Rates
- 15-Month CD - 4.15% APY
- 19-Month CD - 4.15% APY
- 60-Month CD - 4.15% APY
- 12-Month CD - 4.00% APY
- 14-Month CD - 4.00% APY
- 36-Month CD - 4.00% APY
- 9-Month CD - 3.90% APY
- 13-Month CD - 3.90% APY
- 16-Month CD - 3.90% APY
- 18-Month CD - 3.80% APY
- 6-Month CD - 3.70% APY
Highlights
3.80% 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
0.25% to 4.15% APY. Terms of 3 months to 5 years. No minimum deposit to open.
2.00% APY. No monthly service fee and no minimum deposit.
iOS & Android
Any ATMs with Plus or Accel logos
Mon-Fri 8:00 am - 10:00 pm (ET); Sat-Sun 8:00 am - 5:00 pm (ET)
0.25% to 4.15% APY. Terms of 3 months to 5 years. No minimum deposit to open.
2.00% APY.
Online Only
Pricing information from published website as of 06/23/2025.
Synchrony Bank | Ally Bank | |
|---|---|---|
Benefits and Features | ||
| Savings | 3.80% 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 4.15% APY. Terms of 3 months to 5 years. No minimum deposit to open. | 2.90% to 3.90% APY. Terms of 3 months to 5 years. 12-month CD APY of 3.85% |
| Checking | 0.10% APY for daily balances less than $15,000. 0.25% APY for daily balances over $15,000 | |
| Money Market | 2.00% APY. No monthly service fee and no minimum deposit. | |
| Mobile App | ||
| ATMs | Any ATMs with Plus or Accel logos | 75,000+ no-fee Allpoint and MoneyPass ATMs |
| 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 4.15% APY. Terms of 3 months to 5 years. No minimum deposit to open. | |
| IRA Money Market | 2.00% APY. | |
| Locations | ||
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 06/23/2025. Ally Bank: Pricing information from published website as of 06/07/2025. | ||
15-Month CD - 4.15% APY
19-Month CD - 4.15% APY
60-Month CD - 4.15% APY
12-Month CD - 4.00% APY
14-Month CD - 4.00% APY
36-Month CD - 4.00% APY
13-Month CD - 3.90% APY
16-Month CD - 3.90% APY
9-Month CD - 3.90% APY
18-Month CD - 3.80% APY
6-Month CD - 3.70% APY
24-Month CD - 3.50% APY
48-Month CD - 3.50% APY
Synchrony Bank Alternatives
Chase Secure Banking℠ - $100 Bonus
- 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 $60 per month on fees after opening their account.
- 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® Online Savings - $150 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
Bank of America® Business Advantage Banking Checking Account - $200 Bonus Offer
- 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 eligible business checking customers only.
- Offer expires 12/31/2025.
- To qualify, deposit $5,000 or more in New Money* directly into a new eligible Bank of America Business Advantage Banking account within thirty (30) days of account opening.
- Maintain an average balance of $5,000 in that new Business Advantage Banking account during the Maintenance Period**.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your business checking account that are not transfers from other Bank of America deposit accounts or
Merrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
U.S. Bank Business Essentials - $400 Bonus
Promo code Q3AFL25 MUST be used when opening a U.S. Bank Business Essentials or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 7/1/2025 and 9/30/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.
Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.
New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC
Articles on Synchrony Bank
Synchrony Bank Review
Synchrony High Yield Savings Review
Synchrony Bank CD Rates
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