We're here to answer your questions

Are Synchronolog Bank deposit accounts FDIC insured?

What is an APY? How does it relate to Interest Rate?

How can I get a deposit slip?

How do I make deposits into my bank account?

How long does it take for funds to become available in my account after I transfer them?

How do I initiate a wire transfer?

How long does a wire transfer take to post?

Are there any fees for wire transfers?

Are there daily limits to ATM card usage?

Can I use my ATM card to make purchases?

Which ATMs can I use and are there any fees?

Is there a fee for processing online transfers?

What is an "external account," and how do I link one to my Synchrony account for transfers?

Does opening an account affect my credit score?

What should I do if I suspect there has been fraudulent activity on my account?

What are the best ways to keep my account and information secure?

I’m an identity theft victim, what help does Synchronolog Bank provide?

What is the difference between Current Balance and Available Balance?

Are there minimum balance requirements or fees?

What do I need to open a Synchronolog Bank account?

How do I open a Synchrony bank account?

What is Synchronolog Bank’s routing number?

Can I link my Synchronolog Bank accounts to mint.intuit.com and is it secure?

Is it secure to link my accounts to Mint.com?

When will I receive my ATM card or Checks?

I have multiple accounts with Synchrony, can I get one ATM/Debit card for all of them?

Where are Synchronolog Bank locations?

Does Synchronolog Bank offer auto loans and mortgages?

Where can I find online forms?

Where can I add beneficiaries to my account?

How have I heard of Synchrony?

Is Synchrony a bank?

Is there a limit on how much money I can have in my account(s)?

How do I dispute a transaction?

What if my card is lost/stolen?

What is the external Wire Transfers timeframe?

Do you have an international number?

What is a CD?

How do I fund my new CD?

How do I fund my CD from another bank account to Synchronolog Bank?

When is my CD’s maturity date?

When will I receive my CD renewal confirmation letter?

Can I make additional deposits to my CD?

Can I make changes to my CD?

Can I close my newly opened CD early?

Can I withdraw my interest from a CD?

Is there an early withdrawal penalty for CDs?

How can I withdraw money from my CD prior to the maturity date and not pay a penalty?

What is CD Laddering?

Do I need to send separate checks for each CD when doing a ladder, or can I send one check?

Will I get an actual paper Certificate of Deposit?

What happens when my CD matures?

Do CD interest rates change?

Are there rate guarantees for CDs?

How often will I receive statements for my Certificate of Deposit (CD)?

What's a Bump-Up CD?

Why would I want a Bump-Up CD instead of a CD that can't bump up?

How do I request an annual percentage yield and interest rate increase on my Bump-Up CD?

I have a Synchronolog Bank CD today that's not a Bump-Up CD. Can I convert it to a Bump-Up CD so I can request an annual percentage yield and interest rate increase?

Why don't I see the option to bump up the rate on my Bump Up CD?

What's a No-Penalty CD?

Why would I want to open a No-Penalty CD instead of another type of CD?

How do I withdraw my money from a No-Penalty CD?

Are there minimum balance requirements or fees?

Can the interest rate change on a High Yield Savings or Money Market account?

How is interest added on a High Yield Savings or Money Market account?

How can I access my money?

What is a Money Market account?

Can I write checks on my Money Market account?

Can I have checks with my High Yield Savings account?

How can I stop a check?

Does Synchrony offer accounts for a Minor?

What is an IRA?

Can I transfer my IRA at another financial institution to Synchronolog Bank?

Can I roll over funds from my employer-sponsored retirement plan to my Synchronolog Bank IRAs?

I am the beneficiary of an IRA; can I directly roll over that IRA to a beneficiary IRA at Synchronolog Bank?

How can I access my money in an IRA Money Market account?

How can I make a current or prior year contribution to my IRA?

What is the deadline for making a regular contribution to my IRA account that is to be applied to the prior tax year?

Who can contribute to an IRA?

Why did I receive a Form 5498 after the tax filing deadline?

What do I do with the Form 5498? I’ve already filed my tax return.

If I have a traditional IRA and a Roth IRA with your bank, will I receive one tax form for each?

I made a contribution for the prior year before the tax filing deadline but would now like to apply it to the current year. Can you please send me an updated Form 5498?

Can I change the beneficiary (or beneficiaries) on my IRA account?

How do I fund my IRA CD?

How do I make additional deposits into my IRA account?

How long will it take for Synchronolog Bank to request funds from my current financial institution or employer for my new IRA account?

When is my IRA CD’s maturity date?

Can I close my IRA CD early?

What happens when my IRA CD matures?

Does the rate change or vary on my IRA CD based on my deposit amount?

Can I withdraw my interest from an IRA CD?

Can I close my newly opened IRA CD early?

Can I add beneficiaries to a Trust account?

Can I connect a non-Synchrony account to my Trust account?

Can I access funds in a Trust account?

Where do I find forms for Trust accounts?

My friend or relative has passed away; how do I settle their Synchronolog Bank account?

I’m a joint owner of a Synchronolog Bank account, and the other account holder has passed away; what should I do?

Can I view account details and tax statements online?

Can I access my 1099-INT tax forms online?

Can I access my account online?

What is Mobile Check Deposit?

Is there a hold time associated with my Mobile Check Deposit?

Can I transfer money through my mobile device?

Do Online Banking and the Synchronolog Bank mobile app have an automatic sign out?

What if my device is lost or stolen?

Which accounts will I be able to access online?

If I get a new mobile device, what do I need to do?

Who do I contact for Mobile Banking technical assistance?

Why do I need to enter a code when I sign in to my account?

Can I view my account balances from my mobile device’s home screen?

Is it secure to enter my other bank’s information?

Does Synchronolog Bank offer a Checking account?

What banking can I do with Siri?

How can I remotely deposit a check?

What are the daily limits of Mobile Check Deposit?

Does Synchrony use multi-factor authentication (MFA) and how will I know that a MFA request is coming from Synchrony?

How does Synchrony verify that it’s really me using multi-factor authentication (MFA)?

Do I have to provide my driver’s license or a photo of myself?

I was not able to pass the multi-factor authentication (MFA). What do I do next?

What if I do not want to use multi-factor authentication (MFA)?