However, BBB ratings won't necessarily guarantee a smooth relationship with a bank. A strong BBB rating indicates the company is transparent in how it handles business, responds effectively to customer complaints, and is honest in its advertising. The Better Business Bureau gives Synchrony an A+ rating. Synchrony accounts are FDIC insured for up to $250,000, or $500,000 if you have a joint account. Synchrony also reimburses up to $5 per month in out-of-network ATM fees. It does provide an ATM card with its savings and money market accounts, though, and you can use your card for free at any Plus, STAR, or NYCE ATM. Synchrony doesn't offer a checking account. You'll initially be connected to a virtual assistant, and if the virtual assistant can't answer your query, you'll be transferred to a live assistant. If you have questions, you can chat online with customer support 24/7. Its mobile app has received 4.8 out of 5 stars in the Apple store, and 4.6 out of 5 stars in the Google Play store. Synchrony Bank is an online-only institution, so there are no physical branch locations. Use the ATM network for free, and Synchrony reimburses up to $5 per month for out-of-network ATM fees. The account also comes with both paper checks and an ATM card, making it easy to access your money. It doesn't require an initial deposit or minimum account balance, and it doesn't charge a monthly fee. This money market account pays a competitive rate. Read Our Review A looong arrow, pointing right

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