Contact Us: Saving Products & Synchrony Mastercard (2024)

Yes. Synchrony Bank is a member of the FDIC, so your deposit accounts with us are insured up to $250,000 per ownership category. If you want, learn more about FDIC insurance limits.

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

• Transfer from a Synchrony Bank account.
• Electronic transfer (ACH) from a non-Synchrony Bank account that you’ve linked to your account.
• Mobile check deposit via the Synchrony Bank mobile app. Sign into the app, tap the Deposit tab, select your account and take a picture of the check on your mobile device or tablet. The amount of a mobile check that you can deposit is currently limited to $2,000 USD per account.
• Direct deposit from a third party.
• Wire transfer to your Synchrony Bank account (must be initiated by the sending bank).
• Personal or cashier’s check. You can mail the check to:

Synchrony Bank
PO Box 669802
Dallas, TX 75266-0955

If you don’t have a deposit slip, note your Account Type and Number in the Memo section of the check. Endorse the back of the check with “For Deposit Only Account #XXXXXX” (and insert your account number for the X’s).

A certificate of deposit (CD) is a bank account that lets you earn a fixed interest rate in exchange for locking in your deposit for a specified term. At Synchrony Bank, we offer several terms to choose from—see our CD Rates and Terms.

All Synchrony Bank CDs require no minimum balance.

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

1. A non-Synchrony Bank account
2. An existing Synchrony Bank account

1. Transfer funds from a non-Synchrony Bank account using:

• Electronic transfer (ACH) from your external bank account: you can easily set up an external account transfer during the funding process.
• Paper check: write a check to yourself or get a cashier’s check from your current bank (Note: you may not use a traveler’s check, money order, international bank check or double endorsed/third-party check.)

and either:

• Deposit your check via Mobile Check Deposit in the Synchrony Bank mobile app —Sign in to the Synchrony Bank app, tap the Deposit tab, select your account, take a picture of the check with your mobile device or tablet. The maximum amount you can currently deposit via mobile check deposit is $2,000 USD per day, per account.

• You can mail your check to:

Synchrony Bank

POBox 669802

Dallas, TX 75266-0955

Please make sure to put your new Synchrony Bank account number on the check (which you will receive at the end of your account application).

• Wire transfer—Ask your bank about any fees associated with this.

Transfer funds from a Synchrony Bank account during the funding process. If you are interested in using funds from an existing CD that is within 30 days of maturing or within 10 days post maturity date, you can simply provide your reinvestment instructions for that CD online or by calling us at 1-866-226-5638 (Monday – Friday, 7 a.m. – midnight; Saturday – Sunday, 8 a.m. – 5 p.m. ET).

• 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:

  Synchrony Bank
  PO Box 669802
  Dallas, TX75266-0955



• Wire the outstanding balance from your old account to your new account. Please check with the originating bank for any applicable fees

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 be18.24%, 24.24% or 31.24%. APRs are accurate as of January30, 2023and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00.

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.