Save money and be informed. CreditDonkey is a bank comparison and reviews website. This website is made possible through financial relationships with some of the products and services mentioned on this site. Advertiser Disclosure†
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.
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 4.25% 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.
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 4.15% 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
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 09/06/2025.
Chase: Pricing information and data points from published website as of 08/26/2025.
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.
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.