Preferred Account 


When you achieve success, it’s nice when someone notices. We do, and we created the Preferred Account to show our appreciation.

The Preferred Account rewards you by combining balances on multiple accounts to lower or eliminate your overall banking costs. We reward your trust in us with exclusive features and rewards like additional accounts with waived fees and tiered interest rates1that reward higher balances.

We want to make this your preferred account for life.

Click Go for information about Premium Money Market Account

Balance Requirements

$100 minimum deposit to open

 The Preferred Account offers several options to avoid the $25 monthly service fee. For the monthly statement cycle, simply maintain one of the following options:

    • A) a $5,000 average daily balance in your Preferred Account
    • B) a $15,000 average daily balance in any combination of your interest bearing checking accounts, personal money market accounts or savings accounts, and/or outstanding balances in personal or home equity lines of credit, personal installment loans, or credit cards.2,3
    • C) a $25,000 balance in any combination of the account options in (B) above and/or CDs and IRAs.2,3

Key Features

 Earn more with tiered interest rates by maintaining higher balances. You’ll get a bonus interest rate for combined balances of $15,000 and over.4

 Access all of your accounts with us easily and conveniently in one place through Online Banking. Check balances, transfer funds between accounts, get email alerts and more. Free, unlimited Bill Pay is included to help simplify monthly and recurring payments.

 Bank on your schedule with Synovus Mobile Banking5 including text banking and new apps for iPhone® and Android™. Check balances, transfer funds, make payments and more, anytime and anywhere.

 Have monthly service charges waived on two additional accounts.6 Great for helping children in college or saving for a dream vacation.

 Enjoy a Visa® Platinum check card7 with no annual fee and no monthly usage fee. When you are on the go, take advantage of unlimited fee-free transactions at all Publix® Presto!® ATMs and Synovus Bank ATMs.

 Get a $2 convenience credit. Register for Online Banking, Mobile Banking and paperless statements to receive a $2 credit toward your monthly service fee.8


More Features

 Refund of up to 4 transaction fees for withdrawals at a non-Synovus Bank ATM per statement cycle9

 Free wallet-style checks and unlimited check writing

 50% discount on designer checks and safe deposit box rentals

 Free official checks

 1 free stop payment per statement cycle

 $2,500 Personal Identity Theft benefit on your Visa® check card at no cost10

 Deposits insured by the FDIC to $250,00011

 Free notary service

 Free American Express®  Travelers Cheques




Important account information for the Preferred Account

All accounts are subject to approval.

1 To obtain the applicable Annual Percentage Yield (APY), you must maintain a minimum balance of $1,000 in your account each day of the statement cycle. The interest rate on the entire balance of your account will be paid on the applicable daily balance tier. Interest is earned on daily balances of $1,000 or more, compounded daily, credited monthly and paid on the collected balance, using the daily balance method.

2 The Preferred Account owner must be a primary or secondary owner on the accounts to be considered for the combined balance qualifier.

3 Excludes closed-end mortgage balances.

4 Earn an additional 10 basis points for a combined average daily balance of $15,000 – $24,999.99 and an additional 25 basis points for a combined average daily balance of $25,000 or greater.

5 Use of Mobile Banking requires your mobile service provider’s data and/or text plan, for which charges may apply.

6 The accounts eligible to be waived are Access Checking, Gold Checking, Signature Money Market, Advantage Money Market, and Signature Premium Money Market. The linked accounts will be selected automatically, or you can work with your personal banker to select the accounts you would like to link.

7 When you apply for a check card, credit card, or other credit product, we will base the approval on a review of your personal credit report and score.

8 A $2 credit is applied each month you are registered for these services and only if your balance(s) falls below the minimum balance requirements necessary to waive the monthly service fee.

9 Refund does not apply to any fees the ATM owner might charge.

10 Certain terms, conditions and exclusions may apply. For coverage to apply, you must use your covered Visa® card to secure transactions. Please refer to ‘Guide to Benefits’ for details.

11 The standard insurance amount is $250,000 per depositor. Visit for more information.

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