Wealth Services

Important disclosure information

All Synovus checking, CDs and money market 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.

Refer to Private Wealth Program Terms for specific benefits, pricing and rates.

1. $100 minimum deposit to open. Back
2. Closing costs are paid in full for customers with over $500,000 in eligible assets at Synovus when they commit to a 20% initial draw for 90 days and sign up for auto debit payments from a Synovus personal deposit account. The initial draw is required to be made 30 days for establishing the account. If the outstanding balance is not maintained as required, the bank paid 3rd party origination expenses will be added to the outstanding HELOC balance. Alternately, customers with over $500,000 in eligible assets and sign up for auto debit payments from a Synovus personal deposit account can elect to receive a $10,000 lender credit to cover closing costs without a minimum draw requirement. Generally, closing costs can range from $200 - $4,000. If the borrower terminates the line within 36 months of the account agreement, bank paid 3rd party origination expenses not previously reimbursed will be added to the outstanding HELOC balance. Back
3. APR is based on several factors including credit score, credit history, auto-debit, relationship amount, commitment amount, Loan to Value (LTV), and lien status. An increase in the rate will result in higher payments. Discounts are based on customer relationship and auto-debit and range from 0.25% to 1.25%. APR is subject to a minimum floor rate of 2.99% for relationship balances greater than or equal to $500,000. The maximum APR rate is 18%. The relationship balance used for the rate determination is defined as the balance in place at the time of application. The maximum LTV of 89.90% may vary with the amount borrowed, credit score, credit history, location and property type. The interest rate will vary based on Wall Street Journal prime rate (as of March 21, 2024 prime rate was 8.50%). The 7.90% APR example represents a discount for auto debit from a Synovus personal deposit account, a $250,000 commitment amount, first lien position 49.90% LTV and a relationship balance over $500,000. The rate is computed as follows: Prime rate of 8.50% (as of March 21, 2024) plus the Synovus base margin of .65%, minus discounts of .25% for auto debit and 1.00% for having a >$500,000 relationship = 7.90% APR. The maximum LTV may vary with the amount borrowed, credit history, credit score, relationship program balance, location and property type. Back
4. The HELOC offers an interest only or 1.50% payment (or $50 minimum) during the initial draw period of 10 years. The draw period is followed by a 20-year repayment with a payment of 1.50% of the balance (or a $50 minimum). Conversion of all or any portion of the balance above $5,000, to a fixed rate/fixed term are limited to three fixed rate options during the draw period; there is a $50 fee for each option. Once converted, that balance will remain at that fixed rate for the remainder of the term selected and cannot be selected for conversion again. The repayment period for these options cannot exceed the HELOC's maturity date. Back
5. Subject to credit approval. Eligible securities must be held in a Synovus brokerage or trust account. Back
6. 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 for Synovus are provided by Synovus Trust Company, N.A. Synovus Securities, Inc. is a registered broker/dealer, member FINRA/SIPC and an SEC Registered Investment Advisor. Investment products and services are not FDIC insured, are not deposits of or other obligations of Synovus Bank, are not guaranteed by Synovus Bank and involve investment risk, including possible loss of principal amount invested. Synovus Securities, Inc. is a subsidiary of Synovus Financial Corp and an affiliate of Synovus Bank and Synovus Trust. Synovus Trust Company, N.A. is a subsidiary of Synovus Bank. You can obtain more information about Synovus Securities, Inc. and its Registered Representatives by accessing BrokerCheck. Back