Synovus Gateway Digital Banking
Deposit Services
Cash Flow Management
Merchant Services
Loans and Lines of Credit
Credit Cards and Specialty Cards

Synovus Gateway Digital Banking

Easy-to-use digital cash management tools that simplify daily business banking with real-time transactions and powerful insights. Make payments, maintain receivables, increase security, streamline tasks, and save time and money. The Synovus GatewaySM app1 also gives you full mobile banking capabilities, including mobile deposits.

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Deposit Services

Deposit accounts for everyday transactions, or longer-term savings.

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Business checking
Synovus has a business checking account to fit your needs, no matter your transaction volume. All Synovus business checking accounts feature 24/7 access to your account, unlimited fee-free transactions at all Synovus and Publix® Presto! ® ATMs, FDIC deposit insurance up to $250,000.2

Business savings
Build a cash reserve for your company while earning interest on the entire balance. Open this account with as little as $100 and earn interest on the entire balance, and FDIC deposit insurance up to $250,000.2

Certificate of deposit and money market accounts
Earn interest on short- and long-term funds. All Synovus money market and CD accounts feature interest earned3 on your entire balance, generous monthly deposits at no fee, and FDIC deposit insurance up to $250,000.2

Cash Flow Management

Synovus offers cash and risk management solutions that can be customized to meet your needs, all with convenient one-click desktop and mobile access through Synovus GatewaySM.

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ACH origination
Make or receive payments anywhere with ACH Origination.4 Eliminate physical checks and manual processes by initiating payroll and other disbursements for direct payment into a checking or savings account. Expedite receivables by scheduling recurring or one-time electronic payments such as member dues or other regular payments to your business.

Positive Pay
Minimize loss and create efficiencies by safeguarding against check and ACH fraud, identifying threats before they occur. Make real-time pay/no-pay decisions and monitor activity with automated online reporting.

Remote Deposit
Accelerate your cash flow and reduce trips to the bank, travel expense, and employee risk. Remote Deposit speeds funds availability to improve cash flow with same-day ledger credit for check deposits made before 6:00 p.m. ET each business day.

Wire transfers
Initiate domestic and international wire transfers5 quickly, easily and securely using Synovus Gateway. Establish recurring transfers6 and receive notification of incoming wires. For added security, token authentication is required at time of release.

Merchant Services

Synovus Merchant Services7 can optimize receivables with industry-leading technology, operational insights, and meaningful advice to help improve customer experience, expedite receivables with next-day funding, and drive value to your bottom line.

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Processing beyond point of sale
Synovus Merchant Services offers an array of solutions beyond the terminal to help your business grow, such as our Synovus Commerce Suite – an all-in-one merchant services solution. Engage with customers whenever and however they want with online, mobile, contactless, and unattended payment functionality.

You’ll have access to the latest point-of-sale technology to support your evolving business needs and provide customers the payment options they expect.

Synovus Commerce Suite includes:

  • Automated card updates for uninterrupted payments
  • Simplified PCI compliance
  • Convenient management of all payment types from a single dashboard
  • Next-day funding to optimize cash flow
  • Real-time fraud assessment
  • QuickBooks® integration

Loans and Lines of Credit4
Dedicated lending professionals to meet your credit needs through flexible terms tailored to your business.

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Line of credit
Easily generate working capital or short term financing for unexpected expenses. Access cash by check or online transfer to your account.5, 8

Working capital loans
Fund projects or obtain permanent working capital with fixed or variable rates.

Equipment financing or leasing
Finance the equipment to get to the next stage of success, from construction to manufacturing to medical. Fast and affordable lease financing options are also available through our partnership with Verdant Commercial Capital.9

Real estate
Acquire a new building to grow your business or as an investment, develop your current space, or start construction from the ground up with a commercial real estate loan. Fixed and variable rates are available.

Small Business Administration (SBA) loans10
As part of the SBA Preferred Lender Program, eligible businesses can access government-guaranteed loans through Synovus. Enjoy streamlined procedures and the authority to make final credit decisions at the bank level.

Business Credit Cards and Specialty Cards

The right credit card can provide insights into how your company can spend more wisely.

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Synovus Visa® Business credit cards4
Make purchases, expense capital, or pay vendors by choosing the best card for you. Some cards feature rewards for gift cards, travel, cash back, and more.

Specialty credit cards4
Synovus Visa Purchasing cards help eliminate purchase orders and other paperwork, while offering the control and convenience of a single monthly bill for all charges. Synovus Visa Corporate cards allow you and your employees to manage and monitor travel, entertainment, and other business spending by multiple cardholders.

Inspire and Private Wealth

Synovus knows your business is just one stop on your financial journey. Our Private Wealth advisors can build a plan around your goals and offer tailored advice to help reach them.

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Practice and professional commercial lending

Our commercial lending advisors have extensive knowledge of an array of financing options and can expertly craft the right plan for your business.

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Important disclosure information


Credit cards are issued by Synovus Bank, 1111 Bay Avenue, Columbus, GA 31901

All accounts are subject to approval.

  1. The Synovus Gateway mobile application requires your mobile service provider’s data and/or text plan. Message and data rates may apply.

  2. Deposits into business bank accounts at FDIC-insured institutions are insured up to at least $250,000 per depositor.

  3. Interest is compounded daily, credited monthly and paid on the collected balance using the daily balance method. No minimum balance required to earn interest. A single rate applies for Business Savings. For Commercial Money Market and Commercial Premium Money Market, the interest rate on the entire balance in your account will be paid based on the daily balance tier. Accounts have a variable interest rate subject to change after account opening and without notice. Back
  4. Subject to credit approval. Back
  5. Gateway Digital Banking is required for online transfers. Back
  6. Separate approval, agreement, fees and/or additional balances may apply. Back
  7. All Synovus Merchant Services accounts are subject to credit approval; some restrictions and exclusions apply to all offerings. Service, interchange, or other association fees may apply. Back
  8. This feature is only available with Flex Lines of Credit. Back
  9. Products provided by Verdant Commercial Capital, LLC. Subject to terms and conditions and credit review. Back
  10. Subject to SBA rules and credit approval. Back