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Why_Us_Great_Rates

Save more and earn more with competitive rates

We want to show you how much we appreciate your relationship with us, so as our relationship grows, we'll make sure your earnings grow, too. The more you save with our Money Market accounts, the higher interest rates you'll enjoy along the way.

And enjoy great rates with our award winning CDs, recognized by Money® Magazine as a "Best Standalone Account" and a "Best 12-month CD." And we received Bankrate.com's Top Tier award for consistently offering annual percentage yields (APYs) that were among the highest reported in 100 Highest Yields® for 4th quarter 2014.

Sometimes showing appreciation is really that simple.
 

Award-Winning Rates
Why_Us_Personal_Touch

By-your-side banking

We’re a digital bank, run by real people. Whether you call us or visit us online, we’ll make sure you feel like you have the support you need.

Our knowledgeable Banking Representatives are on hand to answer your questions 6 days a week:
Monday through Friday, from 8 a.m. to 10 p.m. EST
Saturday from 8 a.m. to 5 p.m. EST

But the day-to-day management of your account is always open to you. You can sign in to your secure account page 24/7 to access your account information, review transactions, and make transfers between Optimizer+plus accounts.

A Personal Touch
Why_Us_Safe_Secure

Feel free to exhale - you've got peace of mind

We’ve created layers of protections and safeguards to ensure you can feel confident about every dollar you save with us.

Your Optimizer+plus accounts are encrypted with up-to-date standards in online financial security, and we provide free Identity Theft Resolution to make sure you’re covered.

As a member of the Federal Deposit Insurance Corporation (FDIC), your deposits are automatically insured up to $250,000 per depositor, per insured bank, for each ownership category.

Finally, your accounts are provided by Synchrony Bank, built from GE heritage.

Safe & Secure
Why_Us_OptimizerPlus_Perks

Here's one more big plus - a reward for saving!

Optimizer+plus Perks is a refreshingly simple reward program for loyal customers - and you only have to do one thing to join: Save with us.

That’s it! No points to accumulate or minimum transactions to complete. Your rewards grow as your balance grows, and as you spend more time saving with us.

You’ll get deposit perks (such as reimbursements for ATM fees) and depending on your reward tier, you'll get travel savings to help you break off a little piece of the good life, today.

 
Optimizer+plus Perks

We're not into "one-size-fits-all" saving

At Synchrony Bank, what we offer is more than a simple transaction between two people. It's a collaboration with our customers, one that builds steadily over time as we work together toward a shared goal. Because what we're interested in is your goal - however unique it may be.

Our digital storefront lets you experience some very non-traditional freedom, while ensuring your money is as safe and stable as a traditional bank. That security is recognized across the industry, earning us accolades that include Bankrate.com's prestigious 5-Star Safe & Sound® Rating. And safety isn't the only award winning thing about us; Money® Magazine named our CDs a "Best Standalone Account" and the "Best 12-month CD."

Agility, customization, and a distinct sense of personal care is in our DNA, and in every product and service we offer. Add in the protection of FDIC insurance for your accounts, and you can see why it feels great to have not just a bank, but a companion for your future.


Learn more about Synchrony Bank:

 

Award-Winning Rates

Save more and earn more with competitive rates. We want to show you how much we appreciate your relationship with us, so as our relationship grows, we'll make sure your earnings grow, too. The more you save with our Money Market accounts, the higher interest rates you'll enjoy along the way. You’ll also enjoy great rates with our award-winning CDs, recognized by Money® Magazine as a "Best Standalone Account" and a "Best 12-month CD." Plus, we received Bankrate.com's Top Tier award for consistently offering annual percentage yields (APYs) that were among the highest reported in 100 Highest Yields® for both 3rd quarter and 4th quarter 2013. Sometimes showing appreciation is really that simple.

A Personal Touch

By-your-side banking. We’re a digital bank, run by real people. Whether you call us or visit us online, we’ll make sure you feel like you have the support you need. Our knowledgeable Banking Representatives are on hand to answer your questions 6 days a week: Monday through Friday, from 8 a.m. to 10 p.m. EST, Saturday from 8 a.m. to 5 p.m. EST. But the day-to-day management of your account is always open to you. You can sign in to your secure account page 24/7 to access your account information, review transactions, and make transfers between Optimizer+plus accounts.

Safe & Secure

Feel free to exhale - you've got peace of mind. We’ve created layers of protections and safeguards to ensure you can feel confident about every dollar you save with us. Your Optimizer+plus accounts are encrypted with up-to-date standards in online financial security, and we provide free Identity Theft Resolution to make sure you’re covered. Your deposits are automatically insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per insured bank, for each ownership category. Finally, your accounts are provided by Synchrony Bank, built from GE heritage.

Optimizer+plus Perks

Here's one more big plus - a reward for saving! Optimizer+plus Perks is a refreshingly simple reward program for loyal customers - and you only have to do one thing to join: Save with us. That’s it! No points to accumulate or minimum transactions to complete. Your rewards grow as your balance grows, and as you spend more time saving with us. You’ll get deposit perks (such as reimbursements for ATM fees) and and depending on your reward tier, you'll get travel savings to help you break off a little piece of the good life, today.


We're not into "one-size-fits-all" saving

At Synchrony Bank, what we offer is more than a simple transaction between two people. It's a collaboration with our customers, one that builds steadily over time as we work together toward a shared goal. Because what we're interested in is your goal - however unique it may be.

Our digital storefront lets you experience some very non-traditional freedom, while ensuring your money is as safe and stable as a traditional bank. That security is recognized across the industry, earning us accolades that include Bankrate.com's prestigious 5-Star Safe & Sound® Rating. And safety isn't the only award winning thing about us; Money® Magazine named our CDs a "Best Standalone Account" and the "Best 12-month CD."

Agility, customization, and a distinct sense of personal care is in our DNA, and in every product and service we offer. Add in the protection of FDIC insurance for your accounts, and you can see why it feels great to have not just a bank, but a companion for your future.


Learn more about Synchrony Bank: