Relationship benefits that go beyond your checking account.

You’re not just getting an upgraded checking account. With your switch to Synovus Plus Checking1, you’ll unlock all the perks that come bundled with the Synovus Plus Relationship Program2.

Bank confidently with Credit and Identity Protection through Carefull ID3.

  • 24/7 credit monitoring and alerts
  • Change of address, dark web and identity monitoring
  • Identity restoration and recovery support
  • Educational content on emerging fraud and scams

Fast-track your growth with preferred rates on savings and home equity products2,3,4.

  • Better returns on Synovus Personal Savings, Relationship Money Market Accounts, personal CDs, and IRAs4
  • APR reductions on Synovus home equity lines of credit (HELOC) and securities-backed lines of credit (SBLOC)

Build momentum without surprise fees.

  • No NSF fees
  • No Overdraft Transfer fees
  • No Dormant Account fees
  • No Early Account Closing fees

Enhance your everyday with premium credit card features.

Make informed decisions and get support when you need it.

  • Personalized guidance through an in-branch Financial Needs Assessment
  • Access to Synovus Insights through My Synovus5, which helps you stay on track and achieve goals

Learn more

Frequently Asked Questions

Q. Why is my account being upgraded to Synovus Plus Checking?
A. The Free Checking product will no longer be offered. Your account is upgrading to Synovus Plus1, which provides enhanced fraud protection and an expanded suite of tools and perks2 to help you thrive in a dynamic financial climate.
A. You don’t need to do anything except enjoy your new benefits—your account will automatically convert to a Synovus Plus Checking1 account.
A. No, your account numbers and debit cards will not change.
A. The “conversion credit” is a benefit you’ll receive when your account switches to Synovus Plus. It waives the $10 monthly account fee for three months, helping you ease into the new account. If you’re still receiving paper statements, your $2 paper statement fee will also be waived during this period. You’ll see “conversion credit(s)”6 listed on your statement, where the waived fees are reflected.

A. The monthly fee will be waived if you meet just one of the following requirements:

  • Maintain a minimum combined balance of $10,000 across all your deposit accounts, including personal checking, savings, money market, IRA, CD or investment accounts
  • Maintain a minimum of $3,5002,+ monthly deposits into any of your personal checking accounts, + OR
  • Maintain a minimum combined balance of $500,000 across all your business deposit accounts2, including business checking, savings, money market, or CD accounts, OR
  • Are a member2 of the military community7 

A. Go paperless! Opting out of paper statements is fast and easy—and it eliminates the $2 paper statement fee. Here’s how to make the switch:


Step 1: Enroll in My Synovus digital banking if you haven’t already.

Step 2: Log in to My Synovus and switch your delivery method to Electronic. We’ve put together step-by-step instructions to guide you through the process.


If you’re already paperless and only receive e-statements, you won’t be charged the $2 paper statement fee.

A. You’ll receive an email with a unique link (URL) for you to enroll in Carefull ID approximately 8 days after your account is converted to Plus Checking.
A. Absolutely! You can stop by your nearest branch, and a Synovus Relationship Banker will be happy to listen and help you find the checking account that best suits your needs.

Still have questions? Let’s figure them out together.

If something’s still on your mind, swing by your local branch or call 888-SYNOVUS (796-6887). Let’s talk about it.

Find a branch

  1. There is a monthly account fee of $10 for each account, which is debited from the Plus Checking account at the end of the statement cycle. The monthly account fee can be waived with $10,000 minimum ending balance in combination of your personal checking, savings, money market, IRA, CD or investment accounts+, OR with minimum $3,500 monthly deposits 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. Additional terms and miscellaneous fees may apply. Please refer to the Schedule of Fees and Charges. Back
  2. Please refer to the Synovus Plus Program Terms for important information and disclosures on the Synovus Plus Relationship Program as well as a complete list of benefits. Any relationship program service fee waivers or refunds previously associated with your Free Checking account will end and be replaced with the Synovus Plus relationship program benefits outlined in the Synovus Plus Program Terms. Back
  3. All credit cards, loans and lines of credit are subject to credit approval. Home equity line of credit benefits apply to the HELOC products. Back
  4. All deposit accounts subject to approval. See Schedule of Fees and Charges for current fees and charges. Back
  5. Minimum system requirements: For mobile apps, iOS® 11 and above or Android™ version 5 and above. My Synovus supports the most recent versions of Internet Explorer, Microsoft Edge, Chrome, Firefox, and Safari and any previous versions that are still supported by Microsoft, Google, Mozilla, and Apple respectively. Back
  6. A conversion credit(s) will be applied to the account converted from Free Checking to Plus Checking. If the $10 monthly account fee is assessed within the first 3 months after the Free Checking account is converted, a conversion credit will appear on the monthly account statement. If your relationship qualifies for the monthly account fee waiver, no fee will be charged, and no conversion credit will be applied. Back
  7. Monthly account fee waived for members of the military community. Primary account holder must present a valid military ID. Back
  8. Earn a $50 statement credit when you have at least $60,000 or more in net spend on your Synovus Travel Rewards Visa® credit card each anniversary year. Statement credits will generally be applied to your account within 3-5 days after the day or your anniversary in which the eligible transactions occurred, totaling $60,000 or more. Statement credits will not be awarded to an account for purchases during a billing cycle if your account is not open and current on the billing cycle closing date. The statement credit applies toward the balance and does not replace the monthly payment. You are responsible for any tax due on any amount received which is considered interest and will be reported on IRS form 1099-MISC. Back
  9. Rate reduction is applied to variable rate portion of the account and is reflected in the Fixed Rate Margin applied to Fixed Rate Options. Any introductory rate promotion will exclude the rate reduction. Back
  10. APR is subject to a minimum floor rate of 3.99% for Relationship Balances below $500,000, and 2.99% for Relationship Balances greater than or equal to $500,000. The maximum APR rate is 18%. Back

Effective December 2, 2024. The complete list of Synovus Plus benefits is available at: synovus.com/SynovusPlus.

Only Bank Deposit products are FDIC insured. Synovus Bank, Member FDIC.

Credit cards are issued by Synovus Bank, 33 West 14th Street, Columbus, GA 31901, which is also the creditor for credit card accounts.

Mortgage lending is provided by Synovus Bank, NMLS #408043. Loans subject to approval, including credit approval. Synovus Bank lends in the states of Alabama, Georgia, Florida, Tennessee, North Carolina and South Carolina. This communication is directed to properties in those states.


†Investment products and services provided by Synovus are offered through Synovus Securities, Inc. (“SSI”), Synovus Trust Company, N.A. (“STC”) and Creative Financial Group, a division of SSI. Trust services are provided by Synovus Trust Company, N.A. The registered broker-dealer offering brokerage products for Synovus is Synovus Securities, Inc, member FINRA/SIPC and an SEC Registered Investment Advisor. SSI is a subsidiary of Synovus Financial Corp. and an affiliate of Synovus Bank and STC, and STC is a subsidiary of Synovus Bank.

NOT FDIC INSURED

NO BANK GUARANTEE

MAY LOSE VALUE

The service marks and trademarks used herein belong to their respective owners.