Last Updated: 01/21/2026
SuperMoney User Recommendation Score -87
Strongly not recommended8 total votes
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Highlights
Community Rating
Strongly not recommended
Welcome Offer
Starting at $0(Verified 06/21/2024)
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.05%(Verified 06/21/2024)
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Monthly Service Fee
$0 - $50(Verified 01/21/2026)
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Number of Reviews
Synovus Bank Inspire Checking Review
The Synovus Bank Inspire Checking is offered by Synovus Bank, a bank founded in 1888 and based in Columbus, GA. Synovus checking account is available in 5 states.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.05% .
- Charges a monthly fee. This account charges a monthly fee of up to $50.
- $100 minimum opening deposit. This is a typical minimum initial deposit.
- No ATM fees. Synovus Bank Inspire Checking does not charge fees on ATM transactions within its network but there is a fee of $2.5 for out-of-network ATM transactions .
- ATM fee rebates. 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 when you enroll in Synovus Bank mobile or online banking.
Synovus checking account Pros & Cons
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Synovus checking account FAQ
Are checking accounts from Synovus Bank federally insured?
Yes, your deposits are insured 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?
| 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | Starting at $100,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Synovus checking account charge?
This account charges a monthly maintenance fee each statement cycle of up to $50.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $2.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $36 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $9 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $34 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Image Service | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1.5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $26 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $45 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $18 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Synovus checking account charge overdraft fees?
Yes, Synovus checking account charges a $36 fee for every overdraft.What features and perks does Synovus checking account offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for 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 checks1 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@firstlatitude.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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Message from Synovus checking account
Hours of Operation
Sunday
All Day
Monday
All Day
Tuesday
All Day
Wednesday
All Day
Thursday
All Day
Friday
All Day
Saturday
All Day
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -87, or 1.3 on a 5-point rating scale.
-87
-1000+100
No one recommends
Everyone recommends
Synovus Bank Inspire Checking Community Reviews
Would you recommend Synovus Bank Inspire Checking to your friends?
GI
George I.
Dec 11, 2019
May or may not recommend
Extremely okay indeed in terms of check and bank to bank transfer
BP
Beverlee P.
Jun 21, 2019
May or may not recommend
Terrible Terrible Terrible!!!!! They took over Florida Community Bank and I used to Love FCB well Synovus took over and I've have nothing but problems, they suspended my ATM card for 30 days because of OD, which I have Over Draft protection, and direct deposit every week!!! Then they put me into collections by there mistake, however it still went onto my credit and still not taken off!!! I suggest ...Show More
Todd W.
May 22, 2019
May or may not recommend
I hate this bank. They’ve missed several deposits and always charge overdraft fees even when it’s their fault. Their online service doesn’t always show an accurate balance. They post debits before deposits on occasion. They’re not helpful at all. I’m closing both my old accounts from 20 years ago before they bought my hometown bank. Would not recommend.
CW
Chisolm W.
Apr 12, 2019
May or may not recommend
We signed up for a business checking account last year. Big Mistake.
Their web site / online tools for looking at your checking account details, like balance, recent checks/deposits etc is terrible. Looks as if it was developed like 20 years ago.
They've been telling me for months they are coming out with a mobile app for remote banking (i.e. to remotely deposit checks) for business accounts, but now Ive learned they're ...Show More
JW
Justine W.
Mar 13, 2019
May or may not recommend
I have been a customer with this bank for a long time and today I am leaving. I have done everything i could possibly do to make sure my account doesn't go into the negative but some how Synvous finds a way to get overdraft fees from me. I have written down everything that i use my card or account number for and this time i have had enough. This ...Show More
GO
Gregory O.
Feb 20, 2019
May or may not recommend
Don’t let people with bad credit that banked at Nbsc for 20 years without a problem reopen a account with them
U
Anonymous
Nov 3, 2018
May or may not recommend
Worthless. They hold your deposits for weeks before they release. Customer service at the Paulsen branch is the worst I have ever seen. I opened an account and will be closing it soon. They also, blocked by Visa card from being used because they didnt like the amount of the purchases I made - they dont want you to spend your money - they want it in ...Show More
U
Anonymous
Jul 13, 2018
May or may not recommend
If you want to be JUST a number with NO customer service and zero loyalty to your banking business than this IS the bank for you! It’s all about your deposit folks to build their bottom line! Don’t kid yourself otherwise.
Showing 8 of 8 reviews
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