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.
  • 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.
  • Several overdraft protection options available. Fees may apply.
  • Deposits insured by the FDIC up to $250,000.3

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. 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.

  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.

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

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  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.

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  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.

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  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. 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.

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  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.

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  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.

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