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 - 3.55% 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 4.50% APY
- Up to 5 years
- $0 minimum opening deposit
- Daily Compounding Interest
- FDIC Insured
IRA CD - Up to 4.50% APY
- Up to 4.50% 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 4.50% APY
| CD Term | APY |
|---|---|
| 3 Months | 0.25% |
| 6 Months | 3.25% |
| 9 Months | 3.50% |
| 12 Months | 4.20% |
| 13 Months | 3.80% |
| 14 Months | 3.80% |
| 15 Months | 3.80% |
| 16 Months | 3.80% |
| 18 Months | 4.35% |
| 19 Months | 3.50% |
| 24 Months | 4.35% |
| 36 Months | 4.40% |
| 48 Months | 4.40% |
| 60 Months | 4.50% |
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 | 4.10% |
| 9 Months | 4.15% |
| 12 Months | 4.20% |
| 13 Months | 4.40% |
| 14 Months | 4.30% |
| 15 Months | 4.30% |
| 16 Months | 4.30% |
| 18 Months | 4.35% |
| 19 Months | 4.35% |
| 24 Months | 4.35% |
| 36 Months | 4.40% |
| 48 Months | 4.40% |
| 60 Months | 4.50% |
Compare Promotions
CIT Bank Platinum Savings - Up to 4.25% APY Boost
| Tier | Boost APY |
|---|---|
| Balance over $5,000 | 4.25%* |
| Balance less than $5,000 | 0.75%* |
After boost is completed, you will continue to earn our best standard rates:
| Tier | APY |
|---|---|
| Balance over $5,000 | 3.75%1 |
| Balance less than $5,000 | 0.25%1 |
- Needs to use promo code to qualify: Boost50
- Boost lasts 6 months over standard APY
- Tiered account
- $100 minimum account opening
- Member FDIC
- No Monthly Service fees
- No account opening fees
Bank of America Advantage Banking - Up to $500 Cash Offer
- The up to $500 cash offer must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 01/31/2027.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits*
into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct
Deposits received in the first 90 days of account opening.
Cash Bonus Total Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - After the Deposit Period ends, and once you satisfy all the requirements, we will attempt to deposit the earned bonus directly into your new eligible personal checking account within sixty (60) days. The new eligible personal checking account must be open and in good standing up to and including the date any earned bonus is paid.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- 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
HSBC Premier - Up to $3,000
- Get $1,000: Deposit or invest $50,000 to $99,999
- Get $1,500: Deposit or invest $100,000 to $249,999
- Get $2,000: Deposit or invest $250,000 to $499,999
- Get $3,000: Deposit or invest $500,000+
The $50,000 minimum Qualifying Balance may qualify you for the promotional cash bonus, but HSBC Premier checking account has a $50 monthly maintenance fee unless you meet Premier qualification criteria (for example, $100,000 in combined balances).
How the offer works
- Open a Premier checking account by December 31, 2026
- Add your preferred amount of deposits and/or eligible investments within 30 days
- Maintain your balances for 3 full consecutive months
- Remain opted-in to receive HSBC marketing emails
If all offer requirements are met, the bonus will be paid within 8 weeks.
Your partner for every stage of life
We offer a unique range of products and privileges that gives you more of the things you care about. Plus, a personal Wealth Relationship Manager to help you reach your goals.
- Wealth: Get access to a variety of investment solutions through HSBC Securities (USA) Inc. Investments are Not FDIC Insured; are Not a Deposit or Other Obligation of the Bank; and May Lose Value.
- Health: Enjoy the support of a health and wellness concierge service, plus complimentary membership to 24/7 telemedicine services for you and your family.
- Travel: Our credit cards come with a competitive range of rewards and benefits that complement your lifestyle.
- International: Manage your finances around the world, with Premier privileges in select countries, perfect for global lifestyles.
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- 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*
- Chase is ranked #1 in Customer Satisfaction with Mobile Banking Apps among National Banks by JD Power.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps 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.
CIT Bank Savings Connect - 3.65% APY
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
Synchrony Bank Trending Offers
| 2 days ago | Certificate of Deposit selected by a visitor from Florida |
| 17 days ago | High Yield Savings - 3.55% APY selected by a visitor from Georgia |
| 4/21/2026 | 14-Month CD - 4.30% APY selected by a visitor from Texas |
| 3/10/2026 | Money Market - 2.00% APY selected by a visitor from North Carolina |
| 12/31/2025 | IRA CD - Up to 4.50% APY selected by a visitor from Minnesota |
Synchrony Bank CD Rates
- 60-Month CD - 4.50% APY
- 13-Month CD - 4.40% APY
- 36-Month CD - 4.40% APY
- 18-Month CD - 4.35% APY
- 19-Month CD - 4.35% APY
- 24-Month CD - 4.35% APY
- 14-Month CD - 4.30% APY
- 15-Month CD - 4.30% APY
- 16-Month CD - 4.30% APY
- 12-Month CD - 4.20% APY
- 9-Month CD - 4.15% APY
Highlights
3.55% 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 4.50% 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 4.50% 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 10/01/2026.
Synchrony Bank | Ally Bank | |
|---|---|---|
Benefits and Features | ||
| Savings | 3.55% 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 4.50% APY. Terms of 3 months to 5 years. No minimum deposit to open. | 2.80% to 4.25% APY. Terms of 3 months to 5 years. 12-month CD APY of 4.15% |
| 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 4.50% 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 10/01/2026. Ally Bank: Pricing information from published website as of 09/30/2026. | ||
60-Month CD - 4.50% APY
13-Month CD - 4.40% APY
36-Month CD - 4.40% APY
18-Month CD - 4.35% APY
19-Month CD - 4.35% APY
24-Month CD - 4.35% APY
14-Month CD - 4.30% APY
15-Month CD - 4.30% APY
16-Month CD - 4.30% APY
12-Month CD - 4.20% APY
9-Month CD - 4.15% APY
6-Month CD - 4.10% APY
48-Month CD - 4.00% APY
Synchrony Bank Alternatives
Chase Secure Banking℠ - $175 Bonus
- Enjoy a $175 checking account bonus as a new Chase banking customer when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Bank with confidence — no minimum deposit to open an account and no overdraft fees.
- Secure Banking customers told us they save an average of over $40 per month on fees after opening their account.
- $0 Monthly Service Fee for customers ages 17-24.
- Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
- With Chase Credit Journey®, help build and improve your credit with a personalized improvement plan provided by Experian.
- Ranked #1 for Banking Mobile App Satisfaction among National Banks, Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app.
- Manage your spending with Spending Planner and get daily spending insights in the Chase Mobile® app.
- JPMorgan Chase Bank, N.A. Member FDIC.
CIT Bank No Penalty CD - 3.90% APY
- Option to withdraw full balance and interest after 7 days of CD funding date
- $1,000 minimum to open an account
- 11 months
- No monthly maintenance fee
- Member FDIC
No-Fee Business Checking
- $0 monthly service fee
- $0 minimum opening deposit
- Open up to 20 individual business checking accounts
- Earn up to 3.00% APY with automated savings
- Issue up to 50 Visa® debit cards to your team
Free Checking Account for Small Business Owners
- Sign up in 3 minutes; no credit check
- No account fees - $0 monthly fee, overdraft fee, foreign transaction fee, or ATM fees at approximately 40,000 locations
- Automatic Savings
- Get paid up to 2 days early
- Savings with up to 4.00% APY
Free Business Checking - Up to 1.3% APY
- 1.3% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
- $0 minimum opening deposit
- $0 monthly service fee

















