FNBO Direct vs. Synchrony Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | FNBO DirectHigh-Yield Online Savings Account Jan 21, 2026 | Synchrony BankHigh Yield Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.00% | 3.65% |
Est. Earnings | $5,000+$150 $10,000+$300 $25,000+$750 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $1 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing FNBO Direct vs. Synchrony Bank
As of FNBO Direct offers an APY of 3.00% for its High-Yield Online Savings Account, with a minimum balance of $0.01, compared to Synchrony Bank's 3.65% APY for its High Yield Savings account, with a minimum balance of $0.
Synchrony Bank pays $65 more than FNBO Direct on a $10,000 balance after one year. FNBO Direct pays $300, while Synchrony Bank pays $365 - an APY advantage for Synchrony Bank.
Why FNBO Direct?
- ✓Higher rated Android app (4.8 vs 4.5)
- ✓Fast transfers via Zelle®
Why Synchrony Bank?
- ✓Higher potential APY (3.65% vs 3.00%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Synchrony BankSynchrony Bank's High Yield Savings earns more on smaller deposits (approx. $365 vs $300/yr).
Better Returns at $25,000
Synchrony BankSynchrony Bank's High Yield Savings pulls ahead with larger amounts (approx. $912 vs $750/yr).
Best for Simplicity
Synchrony BankSynchrony Bank's High Yield Savings offers 3.65% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Synchrony Bank's High Yield Savings pays $65 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Synchrony Bank offers a High Yield Savings account with a competitive APY of 3.65%, making it the superior choice compared to FNBO Direct's High-Yield Online Savings Account, which has an APY of 3.00%. Synchrony Bank's account is noted for its simplicity, requiring no direct deposit and having no maintenance fees, while also compounding daily. In contrast, FNBO Direct’s account, although offering a lower APY, has a low minimum deposit of $1 and charges no maintenance fees. Both accounts are online-only and FDIC insured.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
FNBO Direct vs. Synchrony Bank Savings Calculator
You earn $65 more with Synchrony Bank than FNBO Direct on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
FNBO Direct
High-Yield Online Savings Account
Savings Breakdown
- Interest Earned+$300.00(2.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,300.00
Synchrony Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | FNBO Direct | Synchrony Bank |
|---|---|---|
| APY | 3.00% Verified: 1/21/2026 Stable (90d) | 3.65% Verified: 1/21/2026 ↘︎ 0.15%90d Change |
| Product Name | High-Yield Online Savings Account | High Yield Savings |
| Minimum Deposit | $1 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.5 Android4.8 | iOS4.8 Android4.5 |
| Zelle® Support | Available Online division fully supports Zelle. | Not Supported |
| BBB Rating | A+ | Not Rated |
| Next Steps | Visit SiteVerify at FNBO Direct Non-sponsored link to official site | Visit SiteVerify at Synchrony Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FNBO Direct | Synchrony Bank |
|---|---|---|
| High-Yield Online Savings Account | High Yield Savings | |
Current APY | 3.00% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.7 | -3.6 |
Days Since Change | 110 | 64 |
6-Month High | 3.25% | 3.80% |
6-Month Low | 3.00% | 3.65% |
Adjustments / Mo | 0.17 | 0.17 |
Volatility Score | 0.038 | 0.020 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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