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Synchrony Bank never closes, so we're always available to help. What do you need help with?

Saving Products

Synchrony® MasterCard®

Help with your Mastercard

All Other Credit Cards

Lowe’s, JCP, Verizon, etc.

Saving Products

Saving Products

What is Synchrony Bank’s routing number?

Synchrony Bank's routing number is 021213591.

Are Synchrony Bank deposit accounts FDIC insured?

Synchrony Bank is a member of the FDIC. Your deposit accounts are insured up to $250,000.00 per ownership category. To learn more about FDIC coverage, please visit the FDIC website at FDIC: Deposit Insurance At A Glance.

What is an APY? How does it relate to Interest Rate?

APY, or Annual Percentage Yield, tells you the return you will receive on a deposit over a one-year period based on the interest rate and interest compounding frequency. Interest Rate is the annualized rate applied to the principal balance of the account each day in order to determine the amount of interest that has accrued on that day’s principal balance. Annual Percentage Yield (APY) reflects the effect of compounding frequency (Savings accounts are compounded daily) on the interest rate over a 365-day period, or (366-days in the event of a leap year).

How do I make deposits into my bank account?

You can deposit money to your High Yield Savings or Money Market Account in several ways:

• Transfer from your existing Synchrony Bank account.
• Electronic transfer from a non-Synchrony Bank account that’s linked to your account.
• Mobile check deposit via the Synchrony Bank App. Click on the deposit tab, select the account into which you would like to make a deposit. Take a picture of the front and back of check to complete the deposit. The current mobile daily deposit limit is $2,000.00 per account. Note: Please ensure to endorse the back of the check.
• Direct deposit from a third party, for e.g., US Treasury, pensions or other sources.
• Wire transfer to your Synchrony Bank account (must be initiated by the sending bank). Note: Please check with your bank for any additional fees)
• Personal or cashier’s check. You can mail the check to:
• Note: In the absence of a deposit slip, note your account number and type In the memo section of the check, endorse the back with 'For Deposit Only', followed by your account number. Mail the check to;

Standard Delivery

Dallas, TX 75266-0955

Overnight Delivery

3000 Kellway Dr., Suite 120

Carrollton, TX 75006

What is a CD?

A (CD) Certificate of Deposit is an account that earns a "Fixed Interest Rate" for a specified term which is determined by you. At Synchrony Bank we offer several terms to choose from, based on your financial goals. See our CD Rates and Terms.

How do I fund my new CD?

You can add funds to your new CD from these sources:

• An electronic (ACH) transfer from Non-Synchrony Bank account. You can register an external account during the funding process.
• An existing Synchrony Bank account.
• Mobile Check Deposit, using the Synchrony Bank App. The current daily mobile deposit limit is $2000 per account. If you do not have the Synchrony Bank App, please click App Store or Google Play Store to i download the app.
• A personal check or a Cashier’s Check from your current bank. Please ensure the check is made payable to you and not to “Synchrony Bank.” Please make sure to write your Synchrony Bank account number on the check.
• You can mail your check to;

Standard Delivery

Dallas, TX 75266-0955

Overnight Delivery

3000 Kellway Dr., Suite 120

Carrollton, TX 75006

• Wire Transfer – Please check with your bank for any fees associated with this service

• Note: Synchrony “DOES NOT” accept the following financial instruments; Travelers Checks, Money Orders, International Bank Check or a double endorsed/third-party check.

• i Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.
• Google Play and the Google Play logo are trademarks of Google Inc.

How do I fund my CD from another bank account to Synchrony Bank?

• During the funding process, you can set up an electronic transfer (via ACH) from your external bank account to Synchrony Bank. It’s easy to link an external account, simply add your bank account information into our secure service, and your account will be automatically linked.
• Write a check to yourself, or get a cashier's check from your current bank, and deposit in the Synchrony mobile app. Or mail the deposit to Synchrony Bank for your account to the address below. Please write your account number on the back of your check:

When is my CD’s maturity date?

The maturity date of the CD is based on the term selected by you. We calculate the maturity date for each CD based on the day we receive the funding deposit for the account. This may differ from the actual date you opened the account. For your convenience we share this information on our Online Banking and the Synchrony Bank App.

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Synchrony Bank PO Box 669802 Dallas, TX 75266-0955

Synchrony® MasterCard®

Synchrony® MasterCard®

How have I heard of Synchrony?

More than likely you’ve heard of Synchrony. We’re a financial services with a publicly traded on the NYSE since 2014. Synchrony specializes in consumer lending with over 80 million active accounts. Our consumer finance business is the largest issuer of private label credit cards in the U.S. In addition we offer savings products through Synchrony Bank that are FDIC Insured. Please click the link for additional information on FDIC, https://www.fdic.gov/

Is Synchrony a bank?

Yes, Synchrony is an FDIC insured^ bank that offers a range of award-winning savings products at competitive interest rates. Synchrony also offers consumer lending products, including the CareCredit credit card (for healthcare financing), Synchrony HOME card (for home improvement financing) and Synchrony Car Care card (for automotive/car care financing). It’s likely that you already have a Synchrony card in your wallet–we have credit card partnerships with many well–known national retailers. The Synchrony® Mastercard® is one of many credit cards we offer. We think it’s a great value with 2% cash back rewards on all purchases anywhere Mastercard is accepted.Please click the link for additional information on FDIC, https://www.fdic.gov/

What kind of credit cards does Synchrony offer?

Synchrony is always developing new products to help consumers achieve what’s possible. Today, we offer the Synchrony Premier World Mastercard, with 2% cash back and no annual fee,* subject to credit approval. The Synchrony Plus World Mastercard and the Synchrony Preferred Mastercard are currently offered by invitation only.

*For new accounts the Variable Purchase APR will be 18.24%, 24.24% or 31.24%. APRs are accurate as of January 30, 2023 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00.

If I’ve already received a card, how can I activate?

You’re one of the lucky ones who can already boast a new Synchrony Mastercard in your wallet? Activating is easy and fast. Simply click here to visit mastercard.syf.com. Click “I want to register”. Then enter your card information to activate.

You can also phone us at 1-855-872-4311.