I came for the rates, and left because of the unreliability. I wanted to build a CD ladder at Synchrony because they do offer competitive rates, but accessing my account was nearly impossible. I was able to successfully log in perhaps once every 4 or 5 attempts. Banking transactions are time sensitive and I'm not willing wait sometimes over a day for their website to be up and running, so I withdrew all funds and requested that my account be closed. The account closure request was responded to quickly with no problems.