Synchrony Bank Routing Number (ABA): 124085008

Synchrony Bank at a glance

Its CET1 capital ratio was 14.35% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.

Total assets, Q2 2026

$115.22B

CET1 ratio, Q2 2026

14.35%

Deposit insurance

FDIC

Regulator

OCC

Domestic offices

1 FDIC institution directory, current count

Latest call report

Q2 2026, FFIEC 031

Established

1988

Full financial profile · Is Synchrony Bank safe? · Synchrony Bank call report · Branch locations

What the digits mean

The first two digits, 12, place this number in the Federal Reserve Bank of San Francisco's district (District 12). Digits five through eight, 8500, identify the institution within that district. The last digit, 8, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.

Before you send money to Synchrony Bank

A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.

Match this number against the one on your Synchrony Bank checks or in its online banking. Ask the bank for wire instructions (www.synchronybank.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.

About Synchrony Bank

Synchrony Bank is headquartered in Draper, Utah and was established in 1988. It is in the SALT LAKE CITY-MURRAY, UT metro area. It reported $115.22B in total assets and $85.97B in deposits for Q2 2026, the 5th largest of the 44 banks headquartered in Utah. It reports 1 domestic office. Its deposits have been FDIC insured since 1988. Its primary federal regulator is the OCC. 4 other banks and credit unions headquartered in Draper have a routing number listed here.

What the digits in 124085008 mean

The first four digits, 1240, are the Federal Reserve routing symbol. The prefix 12 places the number in the 12th Federal Reserve District (San Francisco). That is also the district where the bank is headquartered. Digits five through eight, 8500, identify the institution within its Federal Reserve district. The last digit, 8, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 1 + 7 x 10 + 17 = 90, a multiple of 10, so 124085008 is a well-formed routing number. A mistyped digit almost always breaks that sum.

What is the Synchrony Bank routing number?

The Synchrony Bank routing number is 124085008. It is the primary ABA routing transit number registered to Synchrony Bank, headquartered in Draper, UT. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 27, 2026.

What is the Synchrony Bank wire routing number?

This page lists the primary routing number registered to Synchrony Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Synchrony Bank before sending a wire.

Is ABA number 124085008 the routing number for Synchrony Bank?

Yes. It is the primary routing number registered to Synchrony Bank.

Which bank uses routing number 124085008?

It belongs to Synchrony Bank, headquartered in Draper, UT. It is the bank's primary ABA routing number (FDIC certificate 27314).

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