Synchrony Bank’s HYSA ATM card provides fee-free access to 55,000+ Allpoint ATMs with a $1,000/day withdrawal limit. This makes Synchrony unique among online savings banks — Marcus and AmEx offer no ATM access at all.
Rate note (updated October 15, 2026): The Motley Fool listed Synchrony’s High Yield Savings at 3.30% APY, as of the date in the Sources box. Synchrony’s CD page loads its APYs dynamically, so we could not read CD rates, and this site lists none. Confirm the current rate directly at synchronybank.com before relying on any figure.
Synchrony ATM Details
| Detail | Amount |
|---|---|
| Daily ATM withdrawal limit | $1,000 |
| Fee-free ATM network | Allpoint (55,000+ ATMs) |
| OON ATM reimbursement | None |
| Card type | Debit/ATM card (savings) |
| Annual fee | $0 |
Allpoint ATM Locations
Allpoint ATMs are located at CVS, Walgreens, Kroger, Target, Costco, Dollar General, and thousands of other retail locations nationwide. Find ATMs at allpointnetwork.com or in the Synchrony mobile app.
Synchrony ATM vs Savings-Only Competitors
| Institution | ATM Card | Daily Limit | Network |
|---|---|---|---|
| Synchrony | ✅ | $1,000 | Allpoint |
| Marcus | ❌ | — | — |
| AmEx HYSA | ❌ | — | — |
| Ally | ❌ (savings) | — | — |
| Ally (checking) | ✅ | ~$1,000 | Allpoint |
Synchrony is the only major standalone savings bank with an ATM card. This matters for customers who want high yield savings AND occasional cash access without opening a separate checking account.
Related Guides
- Synchrony Bank savings rate 2026 — current APY
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