I’ve had savings accounts here for over five years, since GE Capital exited the business and recommended Synchrony. Service has always been excellent. Once set up, I can make on-line transfers to my other accounts, which always come in less than the time they guarantee. Mail deposits are always credited quickly. When I need help and call (trace a payment, make a same-day wire transfer. etc.) I get a live person quickly, and they are very courteous, efficient and professional. Interest rates are fabulous, always better than the other banks. I pay credit cards automatically from this account - they go perfectly as well. The only limit is no more than five free transfers out each month, which seems fair for a high rate SAVINGS account.
I also have a Synchrony Marvel credit card, which gives 3% back on all restaurant and entertainment charges. It is great as there are no fees, and no points to reclaim. They just credit the 3% back each month, reducing the payments I have to make. I pay on-line at the Synchrony website. It is not flashy, but it does the job well. It is important to get the right Synchrony site, however - they are different for the banking and credit cards.