HSBC Bank vs Synchrony Bank
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| Visit Site | Learn More | |
HSBC Bank | Synchrony Bank | |
|---|---|---|
High Yield Savings - 3.65% APY - | ||
Benefits and Features | ||
| Savings | Premier Relationship Savings: 3.30% APY when you link an eligible Premier checking account and meet one of four eligibility criteria (otherwise 0.05% APY) | 3.65% APY. No monthly service fee and no minimum deposit. An ATM card is provided for easy withdrawal. Synchrony will refund ATM fees for other banks up to $5 per statement cycle |
| CD | 3.15% to 3.60% APY. Terms of 6 months, 1 year, or 2 years. 12-month CD APY of 3.40%. Minimum deposit of $1,000 to open. | 0.25% to 4.10% APY. Terms of 3 months to 5 years. No minimum deposit to open. |
| Checking | Premier Checking to enjoy premium banking with both local and global benefits | |
| Money Market | 2.00% APY. No monthly service fee and no minimum deposit. | |
| Mobile App | ||
| ATMs | Any HSBC ATMs in the U.S.; HSBC ATMs abroad may incur additional fees and foreign conversion rates. | Any ATMs with Plus or Accel logos |
| Customer Service | Mon-Fri 8:00 am - 10:00 pm (ET); Sat-Sun 8:00 am - 5:00 pm (ET) | |
| IRA CD | 0.25% to 3.80% APY. Terms of 3 months to 5 years. No minimum deposit to open. | |
| IRA Money Market | 2.00% APY. | |
| Locations | 21 branches in the US; Global presence in more than 64 countries and territories worldwide | |
CreditDonkey® Reviews | ||
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| Savings |  | |
| Money Market |  | |
| Customer Service | | |
| Pros & Cons | Pros:
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| Bottom Line | Good online bank offering high interest rates... | |
| Visit Site | Learn More | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. HSBC: Data points including rates, fees, terms, and benefits was obtained on 12/31/2025 from published websites and is believed to be accurate, but not guaranteed. Synchrony Bank: Pricing information from published website as of 12/17/2025. | ||
Articles on Synchrony Bank
Synchrony Bank Review
Synchrony offers some of the highest savings and CD rates. But there are downsides. Read this review before you open an account.
Synchrony High Yield Savings Review
Synchrony's high-yield savings account has a high APY with no fees. But they also have more to offer than just that. Read on to know all the details.
Synchrony Bank CD Rates
Are CD rates good at Synchrony Bank? Find out if you should open a Synchrony CD.
Which Do You Think is Best?
Which Bank Account is Right for You?
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