How to Send a Check with Synchrony Bank
Learn how to easily send physical checks using Synchrony Bank with Check Supply. Follow this simple step-by-step guide.
Synchrony Bank
Trusted financial institution
Synchrony Bank is supported by Check Supply, enabling you to send secure, convenient check mailing services directly from your mobile device.
Visit Synchrony Bank WebsiteSynchrony Bank Bill Pay vs Check Supply
See how Check Supply compares to Synchrony Bank's traditional bill pay system
Synchrony Bank does not offer traditional bill pay services or checking accounts for their customers. As a primarily credit card issuer, Synchrony focuses on savings products including high-yield savings accounts, CDs, and money market accounts. While they provide excellent savings rates and no monthly fees, Synchrony does not provide built-in bill payment functionality for paying external bills or utilities.
Check Supply provides the perfect solution for Synchrony customers who need to send physical checks or make payments that require traditional bill pay functionality. We offer superior speed, visibility, and control for mailed checks. We process payments in one business day with same-day print-and-mail capability when queued by 3 PM ET (including Saturdays), provide granular status tracking (queued → printed → mailed), and clearly confirm when the check is deposited. Funds remain in your Synchrony account until the recipient deposits the check—we do not place pre-debit holds. The experience is a modern, simple flow similar to Cash App or Venmo for sending checks, and you can connect multiple bank accounts and choose which one to pay from. USPS transit times are not guaranteed by either service.
| Feature | Synchrony Bank Bill Pay | Check Supply |
|---|---|---|
| Physical checks | No — Synchrony does not offer checking accounts or bill pay services | Yes — we print & mail on your behalf |
| Average processing time | N/A — No bill pay service available | 1 business day; same-day print & mail if queued by 3 PM ET (Sat included) |
| When funds are withdrawn | N/A — No bill pay service available | Only when recipient deposits the check; no pre-debit holds |
| User experience | No bill pay interface available | Modern, simple flow (Cash App/Venmo-like) for sending checks |
| Account flexibility | Limited to Synchrony savings accounts only | Connect multiple banks; choose which account to pay from |
| Delivery time (mail transit) | N/A — No bill pay service available | Typically 1–5 business days (USPS not guaranteed) |
| Tracking | No tracking available for non-existent service | Granular: queued → printed → mailed + deposit confirmation |
Note: Synchrony Bank does not offer traditional bill pay services or checking accounts. Check Supply provides the bill payment functionality Synchrony customers need. USPS delivery not guaranteed.
Save money and time with Check Supply's superior features and pricing compared to Synchrony Bank's bill pay system.
💡 Why Choose Check Supply?
No hidden fees, faster delivery, and a seamless mobile experience designed specifically for check mailing.
Step 1: Download Check Supply from the App Store
Download the Check Supply app from the Apple App Store.
Step 2: Enter the Payment Amount
Open the app and navigate to the Pay tab. Type in the amount you want to send and tap Mail My Check.
Step 3: Add Recipient's Details
Input the name and address of the person you wish to send the check to. You can also import this information from your iPhone's contact list for added convenience.
Step 4: Connect Your Synchrony Bank Account
Connect your Synchrony Bank account securely using Plaid. Your financial information is encrypted and stored only with Plaid; Check Supply never accesses or stores your sensitive data.
Step 5: Optional Memo or Note
Add a memo or note to be printed on the bottom left corner of the check. This step is optional. When you're ready, tap Pay.
Step 6: Review and Confirm
You'll see a confirmation page to review all the details. Confirm and pay for the service. If completed before 3 PM EST on a business day, your check will be printed and mailed the same day.
Step 7: Track Your Check
Under the Payments tab, you can track your checks. Most are delivered within 1-5 USPS business days, including Saturdays.
Conclusion
Sending a physical check with Synchrony Bank has never been easier. With Check Supply, you handle everything from your iPhone—quickly, securely, and without any hassle. Download the app today and simplify your payments.
Synchrony Bank
Trusted financial institution supported by Check Supply
Frequently Asked Questions
Does Synchrony Bank offer bill pay services?
No. Synchrony Bank does not offer traditional bill pay services or checking accounts. They focus on savings products including high-yield savings, CDs, and money market accounts.
How can I pay bills with my Synchrony Bank account?
Since Synchrony doesn't offer bill pay, you can use Check Supply as an alternative. We provide a modern, simple way to send checks from your Synchrony account with full tracking and confirmation.
How does Check Supply reduce uncertainty for Synchrony customers?
Check Supply provides step-by-step tracking (queued → printed → mailed) and confirms when the check is deposited, eliminating guesswork about payment status that you would experience without any bill pay service.
Does Check Supply hold my money before delivery?
No. With Check Supply, funds stay in your Synchrony account until your recipient deposits the check. We do not place pre-debit holds.
What if my payee cannot accept electronic payments?
Check Supply specializes in mailed checks with same-day processing if queued by 3 PM ET (Saturdays included) and provides granular status updates through deposit confirmation - perfect for Synchrony customers who need this functionality.
How fast will my payment arrive?
Check Supply processes in 1 business day with same-day print-and-mail cutoff at 3 PM ET. USPS transit times are not guaranteed, but this provides much more certainty and speed than having no bill pay option at all.
Do I need to keep using Synchrony if I use Check Supply?
No. You can use Check Supply independently to generate and mail checks from your Synchrony account while still enjoying all the benefits of your Synchrony savings relationship.
Are there fees for using Check Supply with Synchrony?
Check Supply charges a transparent per-check fee for printing and mailing, with tracking included. This provides the bill pay functionality that Synchrony doesn't currently offer.
Routing Numbers
Send checks securely with Synchrony Bank through the Check Supply mobile app