Wealthy PotSynchrony Bank Review (2026)
Synchrony pairs a competitive APY with something most HYSAs lack — an ATM card — and asks for no minimum. It is a strong, straightforward choice for a standalone savings account.
By Wealthy Pot · Last updated September 2026
Pros
- A strong APY with no minimum
- A rare savings ATM card
- No monthly fees
- Optional CDs and money-market
Cons
- No checking account to pair it with
- A more basic app
Who Synchrony Bank is for
Best for savers who want a high, no-minimum APY plus easy ATM access, and who do not need a linked checking account.
APY, minimums & fees
Synchrony Bank advertises 3.30% APY, with a $0 minimum to open and a $0 monthly fee. Minimum balance to earn the top rate: $0. FDIC-insured. APYs are variable — confirm the current rate on the official site.
The bottom line
Synchrony pairs a competitive APY with something most HYSAs lack — an ATM card — and asks for no minimum. It is a strong, straightforward choice for a standalone savings account. Main drawback: no checking account to pair it with.
See how Synchrony Bank stacks up in our high-yield savings comparison, or find a banking app in our neobanks comparison.
We summarize hands-on assessment, not user reviews. APYs are variable and re-checked against Synchrony Bank's official page. Some accounts are brokerage cash insured through partner banks rather than traditional bank savings. Some outbound links may be affiliate links — that never affects which accounts we include or how we rate them. Nothing here is financial advice.