Synchrony Bank's routing number is 021213591.

APY, or Annual Percentage Yield, tells you the return you will receive on a deposit over a one-year period based on the interest rate and interest compounding frequency. Interest Rate is the annualized rate applied to the principal balance of the account each day in order to determine the amount of interest that has accrued on that day’s principal balance. Annual Percentage Yield (APY) reflects the effect of compounding frequency (Savings accounts are compounded daily) on the interest rate over a 365-day period, or (366-days in the event of a leap year).

You can deposit money to your High Yield Savings or Money Market Account in several ways:

• Transfer from your existing Synchrony Bank account.
• Electronic transfer from a non-Synchrony Bank account that’s linked to your account.
• Mobile check deposit via the Synchrony Bank App. Click on the deposit tab, select the account into which you would like to make a deposit. Take a picture of the front and back of check to complete the deposit. The current mobile daily deposit limit is $2,000.00 per account. Note: Please make sure to endorse the back of the check.
• Direct deposit from a third party, for e.g., US Treasury, pensions or other sources.
• Wire transfer to your Synchrony Bank account (must be initiated by the sending bank). Note: Please check with your bank for any additional fees.
• Personal or cashier’s check. You can mail the check to:
• Note: In the absence of a deposit slip, note your account number and type in the memo section of the check, endorse the back with 'For Deposit Only', followed by your account number. Mail the check to:
  Standard Delivery

  Synchrony Bank
  P.O. Box 669802
  Dallas, TX 75266-0955

   

  Overnight Delivery

  Synchrony Bank
  3000 Kellway Dr., Suite 120
  Carrollton, TX 75006

   

A (CD) Certificate of Deposit is an account that earns a "Fixed Interest Rate" for a specified term which is determined by you. At Synchrony Bank we offer several terms to choose from, based on your financial goals. See our CD Rates and Terms.

You can add funds to your new CD from these sources:

• An electronic (ACH) transfer from Non-Synchrony Bank account. You can register an external account during the funding process.
• An existing Synchrony Bank account.
• Mobile Check Deposit, using the Synchrony Bank App. The current daily mobile deposit limit is $2000 per account. If you do not have the Synchrony Bank App, please click App Store or Google Play Store to ⁱ download the app.
• A personal check or a Cashier’s Check from your current bank. Please ensure the check is made payable to you and not to “Synchrony Bank.” Please make sure to write your Synchrony Bank account number on the check.
• You can mail your check to;

• Wire Transfer – Please check with your bank for any fees associated with this service

• Note: Synchrony “DOES NOT” accept the following financial instruments; Travelers Checks, Money Orders, International Bank Check or a double endorsed/third-party check.

• ⁱApple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.
• Google Play and the Google Play logo are trademarks of Google Inc.

• During the funding process, you can set up an electronic transfer (via ACH) from your external bank account to Synchrony Bank. It’s easy to link an external account, simply add your bank account information into our secure service, and your account will be automatically linked.
• Write a check to yourself, or get a cashier's check from your current bank, and deposit in the Synchrony mobile app. Or mail the deposit to Synchrony Bank for your account to the address below. Please write your account number on the back of your check: 
  
  Synchrony Bank
  PO Box 669802
  Dallas, TX 75266-0955


• Wire the outstanding balance from your old account to your new account.  Please check with the originating bank for any applicable fees

The maturity date of the CD is based on the term selected by you. We calculate the maturity date for each CD based on the day we receive the funding deposit for the account. This may differ from the actual date you opened the account. For your convenience we share this information on our Online Banking and the Synchrony Bank App.