Community Reinvestment Act (CRA) Public File

The Community Reinvestment Act (CRA) public notice is a regulatory requirement that mandates banks to inform the public about their efforts to meet the credit needs of the communities in which they operate, particularly low- and moderate-income neighborhoods. For our customers, this notice serves as a transparency measure, providing insight into how Synchrony Bank contributes to community development and supports access to credit for underserved populations.

Public Information Available for Inspection

DATE: April 1, 2026
Synchrony Bank has not received any public comments regarding CRA during the previous year.

Written Comments

Written comments, if any, received during the current year or either of the two prior calendar years regarding Synchrony Bank’s CRA activities can be found here.

Branch Offices

The home office (which offers no public retail services) is located at:

170 Election Road, Suite 125
Draper, Utah 84020
MSA/Census Tract: 41620-49-035-1128.25‍

Branch Offices Open or Closed

Except for its home office (identified above), Synchrony Bank has no physical branch offices and has not opened or closed any branches during the current year or either of the prior two calendar years.

Bank Services

Current Products

1) Deposits

  • Savings Accounts
    • Money Market Accounts
    • High Yield Savings
  • Certificates of Deposits (CDs)
    • Traditional and Jumbo
    • Individual Retirement Accounts (IRAs) – Traditional and Roth

Deposit services are available by one of the following methods:

By Telephone 1-866-226-5638‍
(24/7 automated telephone service)
To speak directly with a Banking Representative, please call Monday through Friday from 8 a.m. to 10 p.m. ET, Sat-Sun 8 a.m.-5 p.m. ET. (IRA & Trust teams unavailable).

Online
Secure message center
www.synchrony.com/banking
Online Chat services during agent availability

By Mail
Synchrony Bank
PO Box 669802
Dallas, TX 75266

Expedited Overnight Service:
Synchrony Bank
3000 Kellway Dr., Suite 120
Carrollton, TX 75006

2) Credit Programs

  • Synchrony Bank offers varying credit and payment options that may include combinations of the following features:
    • Multiple payment processing networks:
      • Major card networks (Visa, Mastercard, Discover) and/or
      • Synchrony Bank private payment network
      • Private-label, Co-branded, or Synchrony Bank-branded
      • Credit cards, credit programs, and other payment solutions
      • Revolving credit, Installment credit, and/or Single payment options
    • Applications, information and inquiries available through:
      • Retail and Merchant client 1 locations, websites, and/or apps
      • Service provider 2 locations, websites, and/or apps
      • Card/Credit Program-specific toll-free numbers, found on credit cards or at retailers, merchants or service providers
      • CareCredit 3 inquiries: www.carecredit.com or by calling 1-866-893-7864‍ Monday through Sunday 8:00 a.m. to 12:00 a.m. Eastern Time.
      • MySynchrony Mobile App
      • www.synchrony.com
      • General Synchrony inquiries: 1-866-419-4096‍

    Account Agreement and Service Charges

    1Synchrony Bank generally offers consumer credit options. In addition, a few Synchrony Bank clients (retailers, merchants, service providers) offer credit options to both consumer and commercial customers.Go back
    2Service providers include those offering many different solutions for everyday consumer needs. Examples include health, beauty and wellness needs; eyeglasses; hearing aids; pet care/veterinarian; auto care; home services; etc.Go back
    3CareCredit, a Synchrony brand, focuses on personal healthcare needs.Go back

Assessment Areas

Click link below for maps of assessment areas by state.

CRA Disclosure Statements

Synchrony Bank is subject to certain reporting requirements, specifically the annual CRA Disclosure Statement produced by the federal banking agencies regarding Synchrony’s small business lending, which may be obtained on the FFIEC’s website at: www.ffiec.gov.

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