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

Access Checking6 is a simple, flexible way to manage your day-to-day banking. We require only a low minimum deposit to open, and offer several options for keeping tabs on your account from anywhere

 

Benefits:

 

  • $10 monthly service fee can be waived with $1,000 average daily balance for the statement cycle or $500 in monthly direct deposits7
  • If your monthly service fee isn’t waived, receive a $2 convenience credit each month if you’re registered for Online BankingMobile Banking and paperless statements
  • Write unlimited checks
  • Take advantage of free notary services in-branch
  • Enjoy Visa ® Zero Liability, to protect your Visa ® check card from fraud, at no additional cost8
Preferred Account

The more you bank with us, the more ways we find to thank you. Our Preferred Account6 rewards you with exclusive features like more waived fees and tiered interest rates9 for higher balances. We’ll even look at your combined balance across multiple eligible accounts to determine your interest rate.

 

Benefits:

 

  • Avoid a $25 monthly service fee by maintaining any one of the following:
    1. $5,000 average daily balance for the statement cycle in your Preferred Account
    2. $15,000 average daily balance for the statement cycle in any combination of your interest-bearing checking accounts, personal money market accounts or savings accounts and/or outstanding balances on personal or home equity lines of credit, personal installment loans or credit cards10,11
    3. $25,000 balance in any combination of the account options in (b) above and/or CDs and IRAs10,11
  • If your monthly service fee isn’t waived, receive a $2 convenience credit if you’re registered for Online BankingMobile Banking and paperless statements
  • Earn more with tiered interest rates by maintaining higher balances; receive a bonus interest rate for combined balances of $15,000 or more12
  • Have monthly service charges waived on two additional accounts13
  • Receive a refund of up to four transaction fees per statement cycle for withdrawals at a non-Synovus ATM14
  • Receive a Visa® Platinum check card with great Visa® benefits including concierge service, lost luggage insurance, price protection, Warranty Manager and Purchase Security. Certain terms and conditions apply.15
  • Enjoy Visa ® Zero Liability, to protect your Visa ® Platinum check card from fraud, at no additional cost 8
  • Get free, standard wallet-style checks or take a 50% discount on designer checks; also enjoy free official checks (like cashier’s or certified checks) and 50% off safe deposit box rentals
  • Write unlimited checks
Student Checking

Between class, work and activities, you’re always on the go. You need your money to be available anytime, anywhere, which is why we’ve created an accessible, budget-friendly Student Checking16 account that helps you get things done.

 

Benefits:

 

  • $3 monthly service fee waived by enrolling in Online BankingMobile Banking and paperless statements17
  • Write unlimited checks
  • Enjoy Visa ® Zero Liability, to protect your Visa ® check card from fraud, at no additional cost8
  • Take advantage of free notary services in the branch
Gold Checking

If you’re 55 or older, we’re pretty sure you’ve been working hard. Whether you’ve been putting the kids through college, saving for retirement or giving back to your community, every penny you’ve made really counts. It’s high time you started seeing some reward for your efforts with a Gold Checking18 account that lets you earn and save more.

 

Benefits:

 

  • $10 monthly service fee waived with $1,000 average daily balance for the statement cycle or $500 in monthly direct deposits7 
  • If your monthly service fee isn’t waived, receive a $2 convenience credit each month if you’re registered for Online BankingMobile Banking and paperless statements
  • Earn tiered interest rates9 on higher balances
  • Get your first box of standard wallet-style checks for free, and write unlimited checks
  • Take advantage of free notary services
  • Enjoy Visa ® Zero Liability, to protect your Visa ® check card from fraud, at no additional cost8

Military Checking

Military Basic Checking

You’ve sacrificed a lot to serve our country. Making it easier to manage your money is the least we can do to say thank you, which is why we’ve created the Military Basic Checking account,19 with convenient access that meets the needs of military personnel—especially new service members—both in the field and at home.

 

Benefits:

 

  • Rest easy with no minimum balance requirement
  • $7 monthly service fee waived with a monthly direct deposit of $1 or more from your Defense Finance and Accounting Services (DFAS) paycheck7
  • If your monthly service fee isn’t waived, receive a $2 convenience credit if you’re registered for Online BankingMobile Banking and paperless statements 
  • Start saving with a Signature Personal Savings Account, which is required to open a Military Basic Checking account and can provide you with checking overdraft protection20,21
  • Get your first box of standard wallet-style checks for free 

Military Interest Checking

You’ve served our country—now it’s our turn to serve you. Our Military Interest Checking account19 provides you with convenient access to your money, no matter where you are, while rewarding you with higher rates for higher balances. Plus, our bankers are familiar with the unique needs of service members, so you’ll have a banking experience that’s truly personal.

 

Benefits:

 

  • Rest easy with no minimum balance requirement
  • $7 monthly service fee waived with a monthly direct deposit of $1 or more from your Defense Finance and Accounting Services (DFAS) paycheck7
  • If your monthly service fee isn’t waived, receive a $2 convenience credit if you’re registered for Online BankingMobile Banking and paperless statements
  • Earn more with tiered interest rates by maintaining a balance of $1,000 or more9
  • When you’re away from home, receive a refund of our fees for use of a non-Synovus ATM; at your request, we’ll also refund the fees the other bank charges for using its ATM, up to 5 times per month (up to $1.50 per transaction)
  • Get your first box of standard wallet-style checks for free, and write unlimited checks

 

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.

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  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.

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  3. The standard insurance amount is $250,000 per depositor. Visit www.fdic.gov 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.

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  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.

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  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.

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  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.

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  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.

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  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.

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