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  Synovus Bank Inspire Checking

Synovus Bank Inspire Checking

in Checking Accounts from Synovus Bank · fdic

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Synovus Bank Inspire Checking

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in Checking Accounts from Synovus Bank · Member FDIC

SuperMoney Net Recommendation Score -88

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -88, equating to 1.2 on a 5 point rating scale.

-88

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

0 users recommend
1 user is unsure
7 users don't recommend
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Highlights
Community Rating Strongly not recommended
Monthly Fee $0 - $50
ATM Fee: Out-of-Network $2.50
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.05%
Number of Reviews 8

Synovus Bank Inspire Checking Review

Synovus Bank Inspire Checking is offered by Synovus Bank, a bank founded in 1888 and based in Columbus, GA. Synovus Bank Inspire Checking is available in 5 states across the USA.

Key Takeaways
  • Higher than average APY. Synovus Bank Inspire Checking has an annual percentage yield of up to 0.05%, which is higher than the national average interest rate on savings accounts.
  • Charges a monthly fee. This account charges a monthly service fee of up to $50.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • No ATM fees. Synovus Bank Inspire Checking does not charge fees on ATM transactions within its network but there is a fee of up to $2.50 for out-of-network ATM transactions.
  • ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through Synovus Bank.
Synovus checking account Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Only available in 5 states.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.
Synovus checking account FAQ

Are checking accounts from Synovus Bank federally insured?

Yes, your Synovus Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #873). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Synovus checking account offer?

Synovus Bank Inspire Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.05%

Synovus checking account offers an APY of 0.05% (APY stands for annual percentage yield, rates may change).

What are the account minimums for Synovus checking account?

Synovus checking account requires a minimum initial deposit of $100 to open an account.

Synovus Bank Inspire Checking Minimums
Description
APY Minimum Balance $0
Minimum Combined Balance to Avoid Monthly Fee $100,000
Minimum Opening Deposit Starting at $100

What fees does Synovus checking account charge?

This account charges a monthly service fee of up to $50.

Synovus Bank Inspire Checking Fees
Description
ATM Fee: In-Network $0
Check Copy $3
Check Image Service $3
Debit Card Replacement Fee $5
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 1.5%
Monthly Fee $0 - $50
NSF Fee $35
Online Bill Pay Fee $0
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $9
Returned Deposit Fee (International) $40
Stop Payment Fee $34
Wire Transfer Fee - Domestic (Incoming) $18
Wire Transfer Fee - Domestic (Outgoing) $26
Wire Transfer Fee - International (Incoming) $25
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $2.50

Does Synovus checking account charge overdraft fees?

Yes, Synovus checking account charges a $36 fee for every overdraft.

Synovus checking account offers overdraft protection at a cost of $10 per transaction.

What features and perks does Synovus checking account offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any domestic ATM fees.
  • Fraud monitoring - Synovus checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Synovus checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

What is the customer support email for Synovus checking account?

The customer support email for Synovus checking account is info@synovus.com.

How do people rate the customer service and user experience of Synovus checking account?

Overall, Synovus checking account is strongly not recommended based on community reviews that rate customer service and user experience.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Synovus Bank Inspire Checking

All Synovus personal checking accounts feature: Unlimited fee-free transactions at our robust network of Synovus ATMs and at Publix® Presto!® ATMs. Contactless Synovus Visa® debit card (or contactless Visa® Platinum debit card, if applicable) with no annual fee and no monthly usage fee. Add your card to your Apple Pay®, Google Pay™ or Samsung Pay® mobile wallet for even more convenience. My Synovus digital and mobile banking. 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.

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. Inspire Checking, Access premium benefits to inspire your future.

Availability

  Available in 5 states
  • Alabama
  • Florida
  • Georgia
  • South Carolina
  • Tennessee

Feature Breakdown

APY Minimum Balance $0
Minimum Combined Balance to Avoid Monthly Fee $100,000
Minimum Opening Deposit Starting at $100
ATM Fee: In-Network $0
Online Bill Pay Fee $0
Check Copy $3
Check Image Service $3
Debit Card Replacement Fee $5
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 1.5%
Monthly Fee $0 - $50
NSF Fee $35
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $9
Returned Deposit Fee (International) $40
Stop Payment Fee $34
Wire Transfer Fee - Domestic (Incoming) $18
Wire Transfer Fee - Domestic (Outgoing) $26
Wire Transfer Fee - International (Incoming) $25
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $2.50
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • ATM Reimbursement
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Branch Access
  • Member FDIC
APY (Annual Percentage Yield) 0.05%

Synovus Bank Inspire Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -88, equating to 1.2 on a 5 point rating scale.

-88

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.

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