Synovus Bank Checking Account

in Checking Accounts

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Synovus Bank Checking Account


in Checking Accounts

SuperMoney Net Recommendation Score -100% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly not recommended

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Where does Synovus Bank Checking Account do business?

Synovus Bank Checking Account is based in Columbus, GA. It was founded in 1888 and offers checking accounts services in 5 states across the USA.

Synovus Bank Checking Account is a member of the Federal Deposit Insurance Corporation (FDIC). The FDIC insures deposits in checking accounts, savings accounts, certificates of deposit (CDs), and money market accounts up to $250,000 per depositor if a member institution fails.

What APY does Synovus Bank offer?

Synovus Bank Checking Account offers an APY of 1.45% (APY stands for annual percentage yield, rates may change). This is higher than the typical APY for online-only checking accounts, which is around 1% APY.

What features and perks does Synovus Bank Checking Account offer?

This account includes the following features:

  • Free Bill Pay - Bill Pay allows you to receive ebills directly to your account and pay bills easily from your account.
  • Mobile Banking - Synovus Bank Checking Account allows you to manage your money on the go without ever having to step in a brick-and-mortar bank. This includes depositing checks in your account with your smartphone.

What fees does Synovus Bank Checking Account charge?

This account charges a monthly maintenance fee of up to $25.

  • Outgoing domestic bank transfers come with a $26 fee.
  • Incoming domestic bank transfers come with a $18 fee.
  • Outoing international bank transfers come with a $45 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
  • Incoming international bank transfers come with a $25 fee.
  • Synovus Bank Checking Account charges a $25 fee for an early account closure. Contact Synovus Bank Checking Account for more details on what is considered an early closure.
  • Synovus Bank Checking Account charges $5 every time you request a paper statement.
  • Every returned deposit incurs in a $5 charge.
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  Available in 5 states
  • Alabama
  • Florida
  • Georgia
  • South Carolina
  • Tennessee

Feature Breakdown

Minimum Initial Deposit $100
ATM Fee: In-Network $0
Online Bill Pay Fee $0
Monthly Fee $0 - $25
Paper Statement Fee $5
ATM Fee: Out-of-Network $2.50
NSF Fee $35
Overdraft Protection Fee (per transfer) $10
Overdraft Item Fee $36
Early Account Closure $25
Returned Deposit Fee (Domestic) $9
Debit Card Replacement Fee $5
Stop Payment Fee $34
Foreign Transaction Fee (Debit Card) 1.5%
Wire Transfer Fee - Domestic (Outgoing) $26
Wire Transfer Fee - International (Outgoing) $45
Wire Transfer Fee - International (Incoming) $25
Returned Deposit Fee (International) $40
Wire Transfer Fee - Domestic (Incoming) $18
Bank Account Features
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • No ATM Fees
APY 1.45%



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