Personal Savings Accounts

All Synovus personal savings accounts feature:

  • No minimum balance requirement to earn interest1,2
  • Unlimited deposits
  • Deposits insured by the FDIC up to $250,0003
  • Online Banking and Mobile Banking4 account access

Signature Personal Savings Account

Our Signature Personal Savings Account6 is the simplest way to put aside money for all of life’s little (and not so little) expenses, from unexpected car repairs to unforgettable vacations.




  • Make up to 2 no-fee withdrawals per month7,8
  • Easily set up transfers from other Synovus accounts
  • Receive statements quarterly, or monthly when combined with your checking statement9
  • Choose printed or paperless statements (enroll through Online Banking)
  • Enjoy unlimited fee-free transactions at all Synovus and Publix® Presto!® ATMs
  • Use online Bill Pay10  to simplify monthly and recurring bill payments (enroll through Online Banking)
Minor Savings Account

It’s never too early to teach your children the importance of saving and managing money. With our Minor Savings Account,11 they’ll have a safe place to keep that birthday money from burning a hole in their pocket, and you’ll be able to keep an eye on things as you both watch their funds grow over time.




  • Give minors ownership of funds in the account11
  • Make up to 2 no-fee withdrawals per month7,12
  • Receive automatic transfers from parents’ Synovus accounts
Holiday Savings Account

The holidays are a time for celebration, but they can also do a number on your wallet. With our Holiday Savings Account,6,7 you can set aside funds year-round to pay for those special gifts and treats—all while earning interest on your money.  After a year of savings, we’ll automatically deposit your balance directly in your Synovus checking account or send you a check.




  • Make one no-fee withdrawal annually7,13
  • Receive automatic transfers from other Synovus accounts

Important Disclosure Information

  1. The Annual Percentage Yield (APY) is subject to change without notice. Back
  2. A single rate applies to the entire balance. Interest compounded daily, credited monthly and paid on the collected balance. Account has a variable interest rate subject to change after account opening and without notice.  Back
  3. The standard insurance amount is $250,000 per depositor. Visit 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. If combined statement option is selected, the monthly fee and the excessive transaction fee on savings are based on the savings account cycle, not the checking account cycle. Back
  6. All accounts are subject to approval. Back
  7. Account Transaction Limitations for Savings and Money Market Accounts - Savings and Money Market Accounts may have no more than six (6) debit transactions per month or monthlystatement cycle. A debit transaction is a check, debit/check card transaction, transfer, or pre-authorized transfer, including those made by phone or modem. Unlimited transactions are permitted if made by the customer in person, by email, through an ATM or by phone if the check is mailed to the customer. If an account continually exceeds the allowed debit transactions, we may convert it to a checking account.

  8. The service-chargeable debit fee of $3 is assessed per occurence for Personal Saving Accounts after two debit transactions are paid during the month. Back
  9. Combined statements mailed monthly, statements for other Signature Personal Savings accounts mailed quarterly. Back
  10. Online Bill Pay service is free. Fees apply to same-day and overnight Bill Pay requests. Back
  11. All accounts are subject to approval. Minor Savings is available to children under the age of 18 (In Alabama, age 19 unless married). It is a joint account with a parent or guardian. The account converts to Signature Personal Savings at the minor’s 18th birthday (In Alabama, age 19 unless married).  Back
  12. The service-chargeable debit fee of $3 is assessed per occurrence for Minor Savings Accounts after two debit transactions are paid during the month.  Back
  13. The service-chargeable debit fee of $5 is assessed per occurrence on Holiday Savings Accounts after one debit transaction is paid annually.  Back
Interested in a personal savings account?

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Be prepared: Save enough money in an emergency fund to cover at least 3 to 6 months' worth of expenses.