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Synchrony ATM Network Review

Dec. 14, 2017
Banking, Savings Accounts
Synchrony Bank Review
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Synchrony Bank operates online, but customers are never far removed from their cash. The bank participates in networks that give customers access to thousands of ATMs in the U.S. and abroad.

It’s worth noting that Synchrony offers only savings accounts — there are no checking options. But that could be a plus if your goal is to build up savings.

Synchrony Bank locations and hours

TypeLocation detailsHours
OnlineSynchronyBank.com24/7
Telephone(866) 226-5638
  • Automated 24/7
  • Live customer service Monday through Friday, 7 a.m. to midnight ET; Saturday and Sunday, 8 a.m. to 5 p.m. ET
MailSynchrony Bank
P.O. Box 105972
Atlanta, GA 30348
n/a
Expedited courierSynchrony Bank
Attention: Bank Deposits
485 Lake Mirror Road
Atlanta, GA 30349
n/a
ATMsThousands worldwide with the Visa Plus and ACCEL logosn/a

Synchrony Bank ATM network at a glance

Pros

  • Synchrony charges no fees to withdraw funds from non-Synchrony ATMs (but the ATM owner might).
  • Reimburses ATM fees charged by other ATM owners, up to $5 per statement.

Cons

  • Deposits are not accepted at all ATMs.
  • No network of bank branches.

» MORE: NerdWallet’s top high-yield online savings accounts

Synchrony Bank ATM fees and features

ATM network 
Locations
  • Thousands of ATMs displaying the Visa Plus or Accel logos in the U.S. and abroad.
Features
  • Check deposits can be made from your smartphone or tablet by visiting SynchronyBank.com from your device. Synchrony does not offer a mobile app.
  • Deposit up to $5,000 and five checks per day via mobile device.
Withdrawal limits
  • Limit of six transfers or withdrawals per month, excluding withdrawals via ATM.
  • Daily withdrawal limit of $1,000 from ATMs and up to $500 for point-of-sale withdrawals, assuming your account balance exceeds those amounts.
Fees
  • Out-of-network ATM fees charged by other ATM owners reimbursed up to $5 per statement.

» Want to learn more? Read our Synchrony Bank review

Branch-free banking

If in-person banking isn’t that important to you but easy access to cash is, Synchrony Bank’s network of ATMs is hard to beat. So is the bank’s transfer system, which allows customers to move money at no charge to their accounts at other financial institutions.