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 accuracy note (added September 16, 2026): synchronybank.com could not be reached for live verification this session (repeated timeouts). Every online bank independently verified in this same audit (Ally, Schwab, Fidelity) saw its savings/money-market yield fall from roughly 4.5%+ to the 3.0%-3.6% range between earlier 2026 and September 2026 as the Federal Reserve cut rates. Synchrony’s savings and CD APYs below (~4.00%-4.60%) were not independently reverified this session and are likely stale for the same reason — confirm the current rate directly at synchronybank.com before relying on any figure below.
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
- Synchrony Bank minimum balance 2026 — $0 required
- Synchrony Bank vs Marcus 2026 — no ATM vs ATM comparison
- Synchrony Bank customer service 2026 — 1-866-226-5638
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