We do not make any warranties as to accuracy or completeness of this information, do not endorse any third-party companies, products, or services described here, and take no liability for your use of this information. You Are Now Leaving This Site You are connecting to a new website; the information provided and collected on this website will be subject to the service provider’s privacy policy and terms and conditions, available through the website. This is not the case with Synovus. It's important to understand the policies at your bank, especially if you are at risk of overdrafting your account. Deposit checks on the go, send or receive payments from friends and family, pay bills, transfer money between accounts, view balances, and find Synovus locations. Know how to prevent overdrafts. My balance was still showing fine; the check had not cleared. We're here to help. You can obtain more information about SSI and its Registered Representatives by accessing BrokerCheck. ‎With the My Synovus Mobile Banking app start banking conveniently and securely from virtually anywhere. Just have the information we need ready and you are just a few clicks away to a successful order. Here's why: When the bank shows your available balance, it does not include items that haven't been presented to your bank yet for payment. Call us at 1-888-SYNOVUS (1-888-796-6887) or visit your local branch to get answers and learn more about our funds availability policy and overdraft protection options. Simple Account Management • Review activity and balances in your Synovus checking, savings, loan, and credit card accounts • Quickly view Instant Balances without logging in A posted transaction is a transaction that has been fully processed and completed. Insurance products marketed through Synovus and its affiliated companies are underwritten by insurance companies not affiliated with Synovus. If you deposit a check inside your local bank branch, ask your teller when you can expect your funds to be available. Preferred Account – The Preferred Account offers several options to avoid the $25 monthly service fee. A fast, safe, and easy way to send money. The checking account comes with no monthly fees, free personal checks, waived official check fees and no stop payment fees. / Archives for Synovus Bank Checking Account. Thousands of Designs to Choose from. Approval of any bank product or service is not contingent upon purchasing insurance from Synovus Bank. Plus if you request a balance transfer over the phone or with your local banker, there is no transfer fee either! This might include checks that haven't been cashed yet or recurring payments. However, be aware that your available balance does not include items that you authorized but that haven't been presented for payment. If you would like to assert there has been an error made with the servicing of your consumer mortgage loan, or if you would like to request information about the servicing of your consumer mortgage loan, and if you would like your assertion or request to be treated in accordance with the procedures provided in 12 C.F.R. Synovus Bank Checking Account Bonus: $300 Promotion (Georgia only) *Reynoldstown Branch* By Anthony Nguyen Last Updated: December 21, 2017. Personal Debit Cards. Investment products and services provided by Synovus are offered through Synovus Securities, Inc. (SSI) a registered Broker-Dealer, member FINRA/SIPC and SEC registered Investment Advisor, Synovus Trust Company, N.A. Free yourself from extra fees* There’s no annual fee. Check your latest Synovus Bank account balance and search recent transactions by date, amount, or check number. For example, if you make a purchase with a debit card or credit card, it will almost always show as pending immediately when you view your account online or in a mobile banking app. Third-party sites may contain less security and may have different privacy policies from ours. You are encouraged to consult with competent legal, tax, accounting, financial or investment professionals based on your specific circumstances. Still have questions? A fast, safe, and easy way to send money. Overdrafting on your account is a real pain, especially considering overdraft fees can be as much as $40. We're here if you have questions or if you want to talk with a local banker about overdraft protection options. This content is general in nature and does not constitute legal, tax, accounting, financial or investment advice. Call us at 1-888-SYNOVUS (1-888-796-6887) or visit your local branch to get answers and learn more about our … Still have questions? Certificates of Deposit. Receive a bonus interest rate if your combined balances … Your available balance is the total amount of money that you have immediately accessible from your account. Some banks may give you until the time the branch closes, while others may set a cutoff sometime in the afternoon (say, 2:00 p.m. or 3:00 p.m. local time). As the year comes to a close, now is the perfect time to start … How items are posted affects how overdrafts are incurred and how fees are applied. © 2021 Synovus Financial Corp. All rights reserved. and South Carolina. 1 Comment . Parts 1024.35 and 1024.36, then you must send written notice to us at Synovus Bank, Attention: Mortgage Customer Service, 800 Shades Creek Parkway, MS 130, Birmingham, AL 35209. In these cases, the first $5,000 is typically accessible within one business day. That's because the merchant who accepted your debit or credit card runs an online check before completing your purchase to make sure the card is valid, and that you have enough money in the account to cover the purchase. Seeing my account went negative, I proceeded to go deposit cash in the atm. Transfers Easily transfer money between your Synovus Bank accounts Bill Pay Schedule one-time payments. The Synovus Connections ® Visa ® Prepaid Card is issued by Synovus Bank. Third-party sites may contain less security and may have different privacy policies from ours. Banking has never been easier. After all, who wants to pay overdraft fees or risk bouncing an important check? Synovus Card Alerts makes it easy for you to get real-time alerts about your account activity by e-mail, text, or in-app. During posting, “pending" transactions that have been received throughout the day and are ready to be settled (paid) will become “posted.". Overdrafting your account is a real pain, especially considering overdraft fees can be as much as $40 each. Maintain $100,000 minimum ending balance in combination of Synovus deposit balances OR investment accounts 9 to waive the $50 monthly service fee. If you would like to assert there has been an error made with the servicing of your consumer mortgage loan, or if you would like to request information about the servicing of your consumer mortgage loan, and if you would like your assertion or request to be treated in accordance with the procedures provided in 12 C.F.R. That's because the bank needs to verify that the deposit is legitimate. Synovus Bank, NMLS #408043. Trust services for Synovus are provided by STC. At Synovus, deposits that will be available on the next business day are credited to your account first. If you spend all of your available funds before these outstanding checks and recurring items are debited from your account, you risk overdrafting your account and incurring significant fees. Otherwise, we will treat your assertion or request per our standard policies and procedures. 5 tips to help you become financially fit in 2021. Typically financial institutions will “post" all transactions that have been presented to your account at the end of the day. Parts 1024.35 and 1024.36, then you must send written notice to us at Synovus Bank, Attention: Mortgage Customer Service, 800 Shades Creek Parkway, MS 130, Birmingham, AL 35209. Many people assume that all you need to do to prevent overdraft fees is check your available balance, which is easy enough to do through digital banking tools, telebanking, or even an ATM. Life (and the occasional overdraft) happens! Get the annual and quarterly balance sheet of Synovus Financial Corp. (SNV) including details of assets, liabilities and shareholders' equity. With the My Synovus Mobile Banking app start banking conveniently and securely from virtually anywhere. Problem is, your available balance doesn't always seem to sync up with how much money you think you have. You are encouraged to consult with competent legal, tax, accounting, financial or investment professionals based on your specific circumstances. As long as you have a Checking Account with Synovus Bank, your account number and routing number, you may immediately start. Once you’ve downloaded the free app and established a secure log in by creating a new username and passcode, you can safely and conveniently manage your card. It's important to know how your bank prioritizes items to be debited from your account. Pending transactions are transactions that haven't been fully processed yet. Investment products and services provided by Synovus are offered through Synovus Securities, Inc. (SSI) a registered Broker-Dealer, member FINRA/SIPC and SEC registered Investment Advisor, Synovus Trust Company, N.A. Both come with a $100 minimum deposit, but the Inspire Checking account requires a $100,000 combined Synovus Bank account balance to avoid the hefty $50 monthly fee. You have certain rights under Federal law related to resolving errors and requesting information about your mortgage account, and you may learn more about your rights by contacting Synovus Bank, or by visiting http://www.consumerfinance.gov/mortgage/. This means that any deposit amounts that have cleared are available to be used for those payments. The federal government passed the Expedited Funds Availability Act in 1987 to ensure banks don't hold onto your money for too long. That's why it's critical to keep track of those items that have not yet been paid from your account to avoid an overdraft situation. Save for a rainy day . Grow savings over time. This communication is directed to properties in those states. We don't endorse to guarantee the goods or information provided by third-party sites, and we're not responsible for any failures or inaccuracies. Know how to prevent overdrafts. Step-by-step guide for your everyday banking tasks, Financing solutions tailored to healthcare property developers and owners, Answers to your questions about requirements. Deposit checks on the go, send or receive payments from friends and family, pay bills, transfer money between accounts, view balances, and find Synovus locations. Available to Georgia residents, Synovus Bank is offering you a $300 bonus when opening a new checking account at the Reynoldstown branch and completing certain requirements.Below is all the information and details you need to earn your Synovus Bank $300 Checking Bonus!. You can obtain more information about SSI and its Registered Representatives by accessing BrokerCheck. Check your latest Synovus Bank account balance and search recent transactions by date, amount, or check number. © 2021 Synovus Financial Corp. All rights reserved. Simple Account Management •… Check your available balance, pay bills, transfer funds, deposit checks, and sign up for alerts. Recurring payments are payments you have agreed to have electronically deducted from your account on a scheduled basis, such as gym memberships and insurance premiums. The Balance, "Understanding Funds Availability Policies at Your Bank," https://www.thebalance.com/funds-availability-315448, accessed April 10, 2019. outlines typical funds availability policies, Money orders and official bank checks (such as cashier's checks), Checks issued by the U.S. Treasury (such as Social Security or your tax refund), Checks for $200 or less (for checks that are over $200, the first $200 may be available within one business day), Checks drawn on the same bank where you're making the deposit, Direct deposits (such as from an employer). Also be sure to share the good news about Synovus Gateway with anyone else at your business who may need to know about upcoming changes. Easily access your money. If you spend all of your available funds available before these recurring items are presented for payment, you risk overdrawing your account and incurring significant fees. Otherwise, we will treat your assertion or request per our standard policies and procedures. To qualify for Synovus Inspire, customers must have an Inspire checking account 8. Lower your interest payments on balances Switching to the Synovus Classic Visa Credit Card with our most competitive rates may be the right choice for you. It's even worse when you know you deposited a check yesterday, but somehow you're in the red today. This page is updated frequently with the latest Synovus Gateway migration information and tools, so be sure to check back periodically. Deposit checks on the go, send or receive payments from friends and family, pay bills, transfer money between accounts, view balances, and find Synovus locations. Synovus Bank, Member FDIC, is an Equal Housing Lender and lends in the states of Alabama, Georgia, Florida, Tennessee, North Carolina, (STC), GLOBALT, a separately identifiable division of STC and Creative Financial Group, a division of SSI. And to start with, select the design of your choice. Checks written from an account at another bank, Redeposited checks (checks that bounced the first time, regardless of source or amount). Synovus Plus is a relationship program that gives you access to a free checking account, personalized advice from a branch advisor, banking discounts and preferred rates on your savings accounts. For example, if you make a purchase with a debit card or credit card, it will almost always show as pending immediately when you view your account online or in a mobile banking app. Then, we deduct funds for any transactions that are set to be paid out that day. We don't endorse to guarantee the goods or information provided by third-party sites, and we're not responsible for any failures or inaccuracies. Other-Banking-Services. Simple Account Management • Review activity and balances in your Synovus checking, savings, loan, and credit … The average low-interest-rate credit card charges an APR around 14 percent, according to CreditCards.com data. You are about to leave the Synovus web site for a third-party site. 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. Third-party sites aren't under our control, and we are not responsible for any of the content or additional links they contain. Synovus Bank, Member FDIC, is an Equal Housing Lender and lends in the states of Alabama, Georgia, Florida, Tennessee, North Carolina, Once the bank sends the merchant the money owed, the transaction will no longer show a pending description online or via mobile banking, and the transaction will be considered complete or posted. 8; Foreign ATM withdrawal fee refunds. (STC), GLOBALT, a separately identifiable division of STC and Creative Financial Group, a division of SSI. Some institutions may post multiple times in a day or post live, so it is important to understand how your institution works. Your key to world-class wealth management. Synovus Bank has two checking accounts: Free Checking and Inspire Checking. Deposits that are generally available quickly (within one business day) include: On the other hand, there are other types of deposits that can take up to five business days before funds are available: Pritchard also warns that it's important to understand by what time you must make a deposit for it to count as a same-day transaction. Approval of any bank product or service is not contingent upon purchasing insurance from Synovus Bank. You have options to help keep your account on track. If you choose to use your card to make payments through a merchant’s website or phone service, and/or to make online purchases, you should always use the 16-digit card number and expiration date . Your Synovus debit card gives you a safe, easy way to access your money, with funds deducted directly from your checking account. Below is all the information and details you need to earn your Synovus Bank $300 Checking Bonus! Banking products are provided by Synovus Bank, Member FDIC. Deposit checks on the go, send or receive payments from friends and family, pay bills, transfer money between accounts, view balances, and find Synovus locations. Banking products are provided by Synovus Bank, Member FDIC. We're here to help. Forgot Your Password? When your bank settles deposits and payments at the end of the business day, they typically process items in a particular order. Synovus Bank Checking Account Options. Prepare for health expenses. Money Market Accounts. Here's what you need to know to understand how much money is really in your account — and how to avoid overdraft fees. Health Savings Account. Your available balance typically reflects items that have been paid from your account, as well as certain same-day transactions (such as debit card purchases and direct deposits) that are pending. Banking has never been easier. SSI is a subsidiary of Synovus Financial Corp. and an affiliate of Synovus Bank, and STC is a subsidiary of Synovus Bank. (For example, are items processed according to date and time you made the transaction, or are they first grouped by type of transaction and then processed by the time that transaction was received at the bank?) In an article for The Balance, Certified Financial Planner Justin Pritchard outlines typical funds availability policies.1. Just because you make a deposit to your bank account doesn't mean that money is instantly available. How it works Make purchases: Use your card to make purchases and pay bills in stores, online, or by phone. Manage day-to-day banking. 7; Free Synovus standard wallet checks or 50% discount on designer checks; also enjoy free official checks (like cashier’s or certified checks) and 50% off safe deposit box rentals. Day, though there are some exceptions sure to check back periodically from your account My. 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