Synchrony Bank vs Chase

Synchrony Bank is a good online bank offering high interest rates. How does it compare to Chase? Read our comparison chart below.

Synchrony Bank offers high interest savings with an ATM card for easy withdrawals. There is no minimum deposit. Their CDs require a $2,000 minimum deposit to open. There are no service fees for any products.

While Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.

Compare Synchrony Bank with Chase, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Synchrony Bank	Chase
	SPECIAL OFFER High Yield Savings - 3.80% APY - Learn More Read Synchrony Bank Review	SPECIAL OFFER Chase Business Complete Banking® - Up to $500 Bonus - Learn More Read Chase Review
	Benefits and Features
Savings	3.80% 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	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD	0.25% to 4.10% APY. Terms of 3 months to 5 years. No minimum deposit to open.	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking		Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
Money Market	2.00% APY. No monthly service fee and no minimum deposit.
Mobile App	iOS & Android	iOS & Android
ATMs	Any ATMs with Plus or Accel logos	15,000+ Chase ATMs
Customer Service	Mon-Fri 8:00 am - 10:00 pm (ET); Sat-Sun 8:00 am - 5:00 pm (ET)	Automated service available 24/7
IRA CD	0.25% to 4.00% APY. Terms of 3 months to 5 years. No minimum deposit to open.
IRA Money Market	2.00% APY.
Locations	Online Only	Over 4,700
	CreditDonkey® Reviews
Savings
Money Market
Customer Service
CD
Checking
Mobile App
Pros & Cons	Pros: Savings with ATM card High APY All balance tiers receive same rate Cons: No checking account Limited customer service hours	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states
Bottom Line	Good online bank offering high interest rates... Read full review	National bank with good promotions for new customers... Read full review
	High Yield Savings - 3.80% APY Money Market - 2.00% APY Certificate of Deposit	Chase Business Complete Banking® - Up to $500 Bonus Chase Private Client Checking℠ - Up to $3,000 Bonus Chase Total Checking® - $300 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Synchrony Bank: Pricing information from published website as of 09/26/2025. Chase: Pricing information and data points from published website as of 10/10/2025.

Which is Better: Synchrony Bank or Chase?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Synchrony Bank or Discover Bank.

In short: Synchrony Bank's savings is excellent.

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

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.

Articles on Chase

Is Chase a Good Bank

Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.

Chase Open Account

Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.

Chase Business Checking Promotion

Chase Business Complete Banking offers up to a $500 bonus for new customers with qualifying activities. Find out how to get this limited business checking promotion.