Your money, your options

Everyone needs a checking account – but everyone doesn’t need (or want) the same checking account. That’s why Synovus gives you options. Get premium benefits with our premier Inspire checking or select our everyday value Plus account for preferred rates. If you are looking for simple, basic checking, consider our Student or Budget accounts. Whatever your unique situation, Synovus has a checking account to help you manage your finances and achieve your goals.

All Synovus personal checking accounts feature:

  • Unlimited fee-free transactions at our robust network of Synovus ATMs and at Publix® Presto!® ATMs.
  • Contactless Synovus Visa® debit card (or contactless Visa® Platinum debit card, if applicable) with no annual fee and no monthly usage fee.1 Add your card to your Apple Pay®, Google Pay™ or Samsung Pay® mobile wallet for even more convenience.
  • My Synovus digital and mobile banking.2 We know life doesn’t just happen during banking hours, so we’ve redesigned our online experience and mobile app. With improved security, updated functionality, and several new features, you’ll be able to achieve your financial goals whenever and wherever.
  • Deposits insured by the FDIC up to $250,000.3

Inspire Checking

With our Synovus Inspire Checking account, you experience banking designed to champion your success.

You’ll get premium benefits and preferred rates4, tailored financial advice, comprehensive Credit and Identity Protective Services and access to our Priority Customer Care team. Click here to learn more about all the benefits of Inspire Checking.

$100 minimum deposit to open

Avoid a $50 monthly account fee by maintaining one of the following:

  • $100,000 minimum ending balance in combination of your personal checking, savings, money market, IRA, CD or investment accounts5 as of the last business day each month, OR
  • $1,000,000 minimum ending balance in combination of your business checking, savings, money market, or CD accounts as of the last business day each month


Plus Checking

With Synovus Plus Checking, you get everyday value and practical benefits.

Personalized insights, preferred rates4 and always on security to help you better manage your finances. Click here to learn about all the benefits of Plus Checking. 

$100 minimum deposit to open.

Waive the monthly account fee of $10:

  • If you are a military community member6 or
  • If you maintain one of the following
    • $10,000 minimum ending balance in combination of your personal checking, savings, money market, IRA, CD or investment accounts5 as of the last business day each month, OR
    • Minimum $3,500 monthly deposit into any of your personal checking accounts, OR
    • $500,000 minimum ending balance in combination of your business checking, savings, money market, or CD accounts as of the last business day each month


Budget Checking

Synovus Budget Checking7 is a "no frills, no surprises" account.

$5 monthly account fee with a $25 minimum deposit to open.

Budget Checking helps you carefully manage your money and avoid costly overdraft fees, making it a great option if you’re on a budget or have a history of frequent overdrafts.


Student Checking

You are always on the go. Let us help get things done, financially.

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 our Student Checking8 account that helps you bank simply and easily. So, there is one less thing to worry about as you prepare for your future.

$100 minimum deposit to open.

Available to students under age 26. 

Avoid the $3 monthly account fee by enrolling in My Synovus2 digital banking and paperless e-Statements.

Compare our checking account options

About overdrafts

It's important to know what an overdraft is, and why it occurs. Check out our tips for avoiding overdraft fees.

When the unexpected overdraft occurs, we are here to help with several options for Overdraft Coverage.

Important Disclosure Information

All Synovus checking accounts are subject to approval. All credit cards, loans and lines of credit are subject to credit approval.

The service marks and trademarks used herein belong to their respective owners. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

See Inspire Program Terms for relationship program details.

See Plus Program Terms for relationship program details.

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

  2. Use of the My Synovus mobile app requires your mobile service provider's data and /or text plan. Message and data rates may apply. Back
  3. The standard insurance amount is $250,000 per depositor. Visit for more information.

  4. Preferred rates on Personal Savings & Relationship Money Market accounts, and on personal Synovus CDs and IRAs. For CD/IRA relationship rate benefits, visit a local branch and talk with a banker for details.

  5. Includes Synovus Bank and Synovus Securities, Inc. (SSI) assets held by our custodian, National Financial Services (NFS). Synovus Trust Company, N.A. (STC) accounts are not directly included in relationship balance or monthly deposit calculations. STC customers in a Synovus relationship program will receive program benefits equivalent to customers with at least a $500,000 relationship balance.

  6. Primary account holder must present valid military ID at account opening.

  7. Standard overdraft coverage is not provided with Budget Checking, so transactions may be declined if there are no available funds. Additional overdraft coverage services such as Overdraft Privilege Extended Coverage and Overdraft Protection Transfers are not eligible on Budget Checking.

  8. Student Checking accounts will convert to Plus Checking after the account holder’s 26th birthday. Back