There is no fee for a withdrawal or transfer over 6. However, if this happens on more than an occasional basis, the bank reserves the right to close the account for misuse.

The transactions that count towards the limit include, but are not limited to:

• withdrawals requested over the phone
• checks
• point-of-sale transactions
• outgoing wire transfers
• internal transfers (from one Synchrony Bank account to another Synchrony Bank account whether conducted through the call center, IVR, or through online banking)
• transfers from Synchrony Bank accounts to a registered external account

There are several ways to access your funds. You can:

• Transfer the funds to a registered external bank account, either online or by calling in to a banker at 1-866-228-5638.
• Use an ATM card wherever your ATM card is accepted or at a point of sale using a PIN transaction.
• Wire the funds out to another United States bank ($25.00 outgoing wire fee where applicable).
• Call and request a check to be sent to you at your address on file.

There are several ways to deposit money to your High Yield Savings account. You can:

• Make an internal transfer from another Synchrony Bank account
• Transfer funds through an electronic funds transfer (EFT) from a registered external bank account
• Use our Mobile Check Deposit service via Online Banking from your smartphone
• Initiate a Direct Deposit from a third party
• Use a deposit-accepting ATM that displays a Plus or ACCEL logo (locate an ATM here. To report any issues with a deposit-accepting ATM, visit www.accelnetwork.com/contact-us.aspx and send an email inquiry under “Other” category.)
• Wire transfer the funds to Synchrony Bank (must be initiated by sending bank)
• Send a personal or Cashier’s check with a completed deposit slip for your account