Personal Checking Accounts

Experience the “personal” in personal banking

We’re here for you – there’s never a cost to talk with a friendly account specialist by phone. Or you can stop by and chat with us at any of our convenient branch locations across the Southeast.

All Synovus personal checking accounts feature:

  • Unlimited fee-free transactions at our robust network of Synovus ATMs and at Publix® Presto!® ATMs.
  • Visa® debit card (or 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.
  • Several overdraft protection options available. Fees may apply.
  • Deposits insured by the FDIC to $250,000.2
  • My Synovus digital banking.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.

Learn how to prevent overdrafts

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

Important Disclosure Information

All Synovus checking accounts are subject to approval. The service marks and trademarks used herein belong to their respective owners.

*Additional terms and miscellaneous fees may apply. Please refer to Schedule of Fees and Charges for pricing information.

  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. The standard insurance amount is $250,000 per depositor. Visit for more information.

  3. 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
  4. Online bill pay service is free. Fees apply to same-day and overnight bill pay requests.

  5. Deposits available through mobile banking. Not all checks are eligible for mobile deposit. Please see your Mobile Banking Addendum or FAQ for a list of ineligible checks.

  6. 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.

  7. Excludes closed-end mortgage balances.

  8. The Preferred Account owner must be a primary or secondary owner on the accounts to be considered for the combined balance qualifier.

  9. 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.

  10. Refund does not apply to any fees the ATM owner might charge.

  11. 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.

  12. 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.

  13. Credit only applies if your monthly service fee is not waived based on balance or direct deposit.

  14. 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.

  15. For active duty, retired and reserved personnel including Department of Defense (DOD) civilians.

  16. Additional terms and miscellaneous fees may apply. Please refer to Schedule of Fees and Charges for pricing information. Back
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Interested in a personal checking account?

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