Synchrony ATM Network Review

Synchrony Bank operates online, but customers are never far from their cash. The bank participates in networks that give customers access to thousands of ATMs in the U.S. and abroad, which can make up for its lack of bank locations.

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

Type	Location details	Hours
Online	SynchronyBank.com	24/7
Telephone	(866) 226-5638	Live customer service Monday through Friday, 8 a.m. to 8 p.m. ET; Saturday and Sunday, 8 a.m. to 5 p.m. ET Automated 24/7
Mail	Synchrony Bank P.O. Box 105972 Atlanta, GA 30348	n/a
Expedited courier	Synchrony Bank 485 Lake Mirror Road Atlanta, GA 30349	n/a
ATMs	Worldwide access to ATMs that feature the Visa Plus and Accel logos.	n/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 domestic ATM fees charged by other ATM owners, up to $5 per statement.
Easy to find ATMs at local merchants. Network includes machines with Visa Plus and Accel logos.

Cons

No direct way to make cash deposits.
No network of bank branches to match its ATM network.
Doesn't reimburse foreign transaction and currency conversion fees.

» 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. Locations include convenience stores, drugstores and restaurants. International and domestic ATMs in the Visa Plus network. Domestic and Canadian ATMs in the Accel network.
Features	Check deposits can be made from your smartphone or tablet with the Synchrony mobile app. Deposit checks valued up to $10,000 via mobile device.
Withdrawal limits	Limit of six electronic and telephone transfers or withdrawals a month, per federal regulations. Daily withdrawal limit of $1,000 from ATMs.
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 and its fee reimbursement policy is hard to beat. The bank may not have a branch on every corner, but its savings options still offer customers a solid place to park their money.