Synchrony Bank
Synchrony Bank High Yield Savings
A solid HYSA with the category's rarest feature: an actual ATM card
8.0
Our Rating
APY
3.40% (as of June 2026)
Monthly Fee
$0
Minimum to Open
None
ATM Access
Optional ATM card on Plus and Accel networks; up to $5/cycle in out-of-network fee refunds
Insurance: FDIC insured up to $250,000 through Synchrony Bank
Features
- ▸Optional ATM card for direct cash access from savings — almost unique among HYSAs
- ▸Refunds other banks' ATM fees up to $5 per statement cycle
- ▸No minimum balance, no monthly fees, flat rate on all balances
- ▸Interest compounds daily
- ▸CDs, money market, and an IRA savings lineup at the same bank
- ▸No checking account offered — savings-focused bank
Pros
- +ATM access means true emergency liquidity without a linked-checking dance
- +Competitive rate that historically tracks Marcus closely
- +No fee or minimum traps anywhere
Cons
- −No checking product, so it can't be your only bank
- −ATM withdrawal limits make the card an emergency tool, not daily access
- −Customer service reviews are mixed compared with Ally and Marcus
Our Take
Synchrony is the HYSA for people whose emergency fund needs an actual emergency exit. The ATM card removes the 1-3 day ACH delay that makes most online savings accounts useless in a genuine pinch, and the rate stays within shouting distance of the leaders. If you don't care about cash access, Marcus offers the same rate with faster transfers.
Best for: Emergency funds that need same-minute cash access
Open at Synchrony Bank →Last verified 2026-06-11
Rate this card
Be the first to rate it
Commentson Synchrony Bank High Yield Savings
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.