Synchrony Bank Routing Number

How to Use This Routing Number

The routing number 124301689 identifies Synchrony Bank for electronic transactions. You will need this number to:

• Set up direct deposit with your employer
• Receive wire transfers from other banks
• Pay bills online via ACH transfer
• Link external accounts to your Synchrony Bank account

Wire Transfer vs ACH

For domestic wire transfers, use routing number 124301689. For international transfers, you will also need the SWIFT code SYNCUS42.

ACH transfers (for payroll, bills, etc.) typically use the same routing number but may take 1-3 business days to process, while wire transfers are same-day.