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See pricingBY BANK · SYNCHRONY
For Synchrony savings, sign in at synchrony.com/banking and open the Inbox tab for statement PDFs. For a store card, sign in at synchrony.com and click Statements. Upload either PDF to the ZeraBooks bank statement converter and download Excel or CSV once it ties to the printed balances.
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TWO KINDS OF STATEMENT
Synchrony Bank savings and Synchrony credit cards are separate accounts with separate sign-ins. These are the paths on Synchrony’s own pages, checked October 2026:
| Savings, money market, CDs | Store and co-brand credit cards | |
|---|---|---|
| Sign in | synchrony.com/banking, or the Synchrony Bank app | synchrony.com, or the MySynchrony app |
| Where statements are | The Inbox tab, then Statements | Statements on the home page, or the Statements Quick Link |
| File | A PDF of the paper statement | |
| How often | Monthly when there are electronic transfers, and at least quarterly | Each billing cycle |
| Go paperless | Statements and Notice Delivery Preferences, under ePreferences or Settings | Change your statement delivery method, after registering the card |
Synchrony leaves your account number off the electronic card statement, so name each saved file by card (for example, the store name and month) to keep them apart.
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FROM PDF TO ROWS
Here is a real run in ZeraBooks Convert. The statement belongs to a fictional saver: its September High Yield Savings statement with 4 transactions, file Synchrony_HYS_7392_September2026.pdf. Convert read every line and proved $24,150.00 + $887.64 = $25,037.64, the closing balance printed on the statement, before offering the download.
The PDF as uploaded
The same statement in ZeraBooks
SYNCHRONY BANK SAVINGS
From Synchrony’s own guide to bank statements:
Or open the Synchrony Bank app on iOS or Android.
It runs along the top of the page. Statements are listed there.
Browse recent months or go back through your history.
One file per statement period. Synchrony says the statement shows your opening and closing balances, transactions and any fees or interest.
STORE CARD STATEMENTS
Synchrony’s guides name these parts of a card statement. Only one of them holds the rows you want in a spreadsheet:
| Part | What Synchrony says it holds | In the converted file |
|---|---|---|
| Account summary | Activity since the last statement, the statement (new) balance, credit limit, available credit | Not rows: the balances are used for the proof |
| Payment information | Payment options, due date, minimum payment | Not rows |
| Transactions | Purchases, cash advances, balance transfers, credits and payments | Rows, each with a Type and a signed amount |
| Fees and charges | Interest, annual, late, returned payment and other fees | Rows, when they post as charges |
| Promotional purchase table | Purchase Date, Purchase Amount/Special Terms, Deferred Interest Charges, Promotional Balance, Expiration Date | Not rows: it tracks promotional balances, not this period’s activity |
The promotional table matters for your books even though it isn’t rows. If a promotional balance isn’t paid in full by its expiration date, Synchrony adds the deferred interest as one lump sum at the end of the promotional period. Note the expiration dates when you convert.
WORKED EXAMPLE
A fictional store card statement for September 2026, previous balance $1,240.00, with one purchase on a deferred-interest promotion. In the Standard format, charges are minus and payments and credits are plus:
| Date | Description | Type | Amount |
|---|---|---|---|
| 08/25/2026 | Payment, thank you | Payment | 150.00 |
| 08/29/2026 | Furniture purchase (promotional) | Charge | -389.99 |
| 09/06/2026 | Store purchase | Charge | -64.50 |
| 09/10/2026 | Return credit | Credit | 39.99 |
| New balance | 1,504.50 |
The proof: 1,240.00 − 150.00 + 389.99 + 64.50 − 39.99 = 1,504.50, the new balance. Interest is 0.00 this month because the furniture sits on a promotion. A savings statement proves the other way round: opening 25,000.00 + 500.00 deposit + 84.12 interest − 1,000.00 withdrawal = 24,584.12 closing.
WITH ZERABOOKS
PROVEN TO THE CENT
A savings statement must tie as opening balance plus transactions equals closing balance. A card statement must tie as previous balance plus charges minus payments equals the new balance. When something is off, the proof line shows the difference in dollars. Card files are covered in more depth in credit card statement to Excel.
How Convert proves a statement
READY-MADE FORMATS
Standard, Money in and out, QuickBooks-ready, Xero-ready, Sage-ready or All details. Several store cards download together with an Account column, so a year of statements becomes one sheet. The same steps work for other card issuers, as on Capital One statements to Excel.
Choose a download format
BEFORE YOU CONVERT
Convert reads PDF files only, and both Synchrony statements come as PDFs.
Convert lists bank statements and credit card statements in separate groups, and proves each its own way.
The converted file holds what posted. Promotional balances and their expiration dates stay on the PDF, so track them yourself.
ZeraBooks never asks for your Synchrony sign-in. You download the PDF and upload it.
MORE BANKS
Synchrony gives you statements as PDFs. To get the transactions into Excel or CSV with the balances checked, convert the PDF. For other banks, see how to get a bank statement.
Synchrony’s deposit agreement says monthly, unless there were no electronic transfers that month, and in any case at least quarterly.
Synchrony says the account number won’t appear on the electronic statement. It is a security choice, not a broken file.
Yes. Upload each card’s PDF, tick them, and download them together. Each row says which account it belongs to.
Yes. Convert reads statement PDFs from any bank or card issuer, for example Chase or Navy Federal.
Convert comes with the ZeraBooks subscription: 1,000 pages a month for $79 a month billed annually or $149 monthly, after a 7-day trial. See ZeraBooks pricing.
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