Personal Checking Accounts

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.

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

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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.

   Back
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 www.fdic.gov for more information.

   Back
4. Mobile Deposits: There is no limit on the number of checks that can be deposited through Mobile Deposit. Deposit amount limits apply and are described within the My Synovus Agreement. Deposits may not be available for immediate withdrawal. Deposits made before 7 p.m. ET on business days are generally available the next business day, but may take up to three business days depending on weekends and holidays. Your device must have a camera with at least two megapixels in resolution. Not all checks are eligible for mobile deposit. Please see your My Synovus Agreement or the FAQ for a list of ineligible checks. Back

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

   Back
6. Includes personal checking, savings, money market, CD or IRA accounts with Synovus Bank or investment accounts with Synovus Securities, Inc. Synovus Securities Inc. is the broker/dealer affiliate of Synovus Bank and is a member FINRA/SIPC and an SEC Registered Advisor. Investment products are NOT FDIC INSURED, NO BANK GUARANTEE, MAY LOSE VALUE. Back
7. No minimum balance required to earn interest. The interest rate on the entire balance of your account will be paid based on the applicable daily balance tier. Account has variable interest rate subject to change after account opening and without notice. Interest is earned on account balances greater than $0, compounded daily, credited monthly and paid on the collected balance, using the daily balance method. Fees may reduce earnings. Back
8. Safe deposit boxes subject to availability. Safe deposit box fee must be set to debit from your Inspire Checking Account. We will continue to charge you the fee less the discount each year. Program discounts are not cumulative and may replace lessor discounts that you may otherwise have. Back

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

   Back

10. 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.

    Back

11. 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.

    Back
12. 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. Back
13. 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