Personal Checking Accounts

All Synovus personal checking accounts feature:

  • Unlimited fee-free transactions at all Synovus and Publix® Presto!® ATMs
  • Visa® check card1 (or Visa® Platinum check card,1 if applicable) with no annual fee and no monthly usage fee; includes $2,500 Personal Identity Theft benefit at no cost2
  • Overdraft Privilege standard coverage
  • Deposits insured by the FDIC to $250,0003
  • Online Banking and Mobile Banking4 account access, with free, unlimited Bill Pay5 to simplify monthly and recurring bill payments 

Access Checking
Preferred Account
Student Checking
Gold Checking
Military Checking

Important Disclosure Information

The service marks and trademarks used herein belong to their respective owners.

  1. When you apply for a check card, credit card or other credit product, we will base the approval on a review of your personal credit report and score.

  2. Certain terms, conditions and exclusions may apply. For coverage to apply, you must use your covered Visa® card to secure transactions. Please refer to the Guide to Benefits for details.

  3. The standard insurance amount is $250,000 per depositor. Visit for more information.  Back
  4. Use of Mobile Banking requires your mobile service provider’s data and/or text plan, for which charges may apply. Back
  5. Online Bill Pay service is free. Fees apply to same-day and overnight Bill Pay requests. Back
  6. All accounts are subject to approval. Back
  7. A Direct Deposit is the electronic deposit of your salary, pension, Social Security or other regular monthly income by your employer or another agency. Transfers from one account to another and deposits made at a branch or ATM are not considered Direct Deposits.

  8. Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa® or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. See bank for details.

  9. To obtain the applicable Annual Percentage Yield (APY), you must maintain a minimum balance of $1,000 in your account each day of the statement cycle. The interest rate on the entire balance of your account will be paid on the applicable daily balance tier. Account has variable interest rate subject to change after account opening and without notice. Interest is earned on daily balances of $1,000 or more, compounded daily, credited monthly and paid on the collected balance, using the daily balance method. Back
  10. The Preferred Account owner must be a primary or secondary owner on the accounts to be considered for the combined balance qualifier. Back
  11. Excludes closed-end mortgage balances. Back
  12. Earn an additional 5 basis points for a combined average daily balance of $15,000 – $24,999.99 or an additional 15 basis points for a combined average daily balance of $25,000 or greater on the balance in your Preferred Account. Back
  13. Customers may waive monthly service fees on any 2 of the following accounts: Access Checking, Gold Checking, Signature Money Market, Advantage Money Market, and Premium Money Market. The linked accounts will be selected automatically, or you can work with your personal banker to select the accounts you would like to link. Back
  14. Refund does not apply to any fees the ATM owner might charge.

  15. Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered Visa® card to secure transactions. Refer to the Guide to Benefits for details.

  16. Minors are unable enroll in Synovus Online Banking, Mobile Banking or paperless statements; however, the joint owner (a parents or guardian) can enroll in these services to avoid the monthly service fee. Back
  17. All accounts are subject to approval. Student checking is available to students age 26 or younger. This is a joint account with a parent or guardian for minors under the age of 18 (In Alabama, age 19, unless married). The student must be identified as the primary account owner. The account converts to an Access Checking account after the 26th birthday of the youngest account holder. Back
  18. All accounts are subject to approval. Must be 55 or older to qualify for this account.

  19. For active duty, retired and reserved personnel including Department of Defense (DOD) civilians. All accounts subject to approval. Back
  20. An automatic transfer must be established and maintained from the Military Basic checking account to the Signature Personal Savings account. There must be at least $25 or more transferred per bi-monthly pay period or at least a $50 or more transferred per monthly pay period. Bi-monthly transfers are made on the 1st and the 15th of each month; monthly transfers are made on the 1st of each month. Back
  21. The $5 monthly maintenance fee for this account will be waived for the first six months. After six months, the $5 monthly maintenance fee can be waived by maintaining a minimum daily balance of $200 for the month.

Interested in a personal checking account?

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Bank your way

If you like the flexibility and convenience of online banking, we've got you covered - anytime, anywhere

Online banking

Mobile banking

ATM banking

Prepare for the unexpected

Life (and the occasional overdraft) happens! You have options to help keep your account on track.