No-minimum MMA with ATM card access — an uncommon combination.
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ClearValue Rating: 4 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Savers who want a high MMA APY with ATM card access and no minimum balance.
Synchrony's Money Market Account was offering approximately 2.25% APY as of June 2026. There are no monthly fees. The account includes an ATM card with up to $5 per month in out-of-network ATM fee reimbursements. MMA APYs are variable — verify the current rate at synchronybank.com before opening.
Synchrony Bank Money Market Account — No-minimum MMA with ATM card access — an uncommon combination. Best for: Savers who want a high MMA APY with ATM card access and no minimum balance.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Check-writing availability on Synchrony's Money Market Account should be verified at synchronybank.com, as features and terms may change. The ATM card is an established feature. Source: Synchrony Bank official disclosure at synchronybank.com; FDIC-insured via Synchrony Bank.
Synchrony Bank's Money Market Account includes an ATM card and reimburses up to $5 per statement cycle in out-of-network ATM fees — less than Ally's $10/month reimbursement but meaningful for occasional cash withdrawals. Synchrony's ATM card is an uncommon feature for online money market accounts. Verify current ATM reimbursement terms and the fee schedule at synchronybank.com.
Synchrony's High Yield Savings Account typically publishes a higher APY than the Money Market Account. If your primary goal is APY and you don't need the ATM card or check-writing access, the Synchrony HYSA may be the better fit. The MMA earns a lower variable rate in exchange for the added liquidity of an ATM card. Compare current live rates for both products at synchronybank.com before deciding.
No. ClearValue Lending is not a bank, account issuer, lender, or financial advisor. This review presents publicly available editorial information about the Synchrony Bank Money Market Account. The account is issued and operated by Synchrony Bank. APYs, fees, and terms are determined solely by Synchrony Bank and may change — verify current terms at synchronybank.com before opening.
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