Synovus Plus Checking Account 2025 Review

Synovus Plus Checking helps you manage your money while enjoying premium banking benefits. It might be worth a look if you're interested in a traditional bank checking account with upgraded features. 

Synovus Bank Plus Checking is designed for people who want a little more than just a basic account. This account includes all the features you'd expect from a basic checking account, along with extra perks like higher rates on Synovus deposit accounts and rate discounts on HELOCs. 

You might consider banking with Synovus if you:

• Prefer to keep your money at a brick-and-mortar bank
• Would like to unlock preferred rates on savings accounts or home equity loans
• Qualify to waive the monthly fee
• Have at least $100 to open an account

You can open a Plus Checking account online or at a Synovus branch. Synovus offers a few other checking options, including Inspire Checking, Budget Checking, and Student Checking.

Compared to Other Checking Accounts

PNC Foundation Checking

PNC Foundation Checking is a basic checking account with no opening deposit requirement and no overdraft fees. This account is designed for people who are opening their first checking account or need second-chance banking. You get the convenience of online and mobile banking, along with the option to bank at PNC branches and ATMs. 

Read our full editorial review of the PNC Foundation Checking account

Bank of America Advantage SafeBalance Account

Bank of America Advantage SafeBalance is a checkless checking account that has no overdraft fees. You might consider it if you don't need to be able to write paper checks to pay bills or make other payments. This account could also be a good fit for students since the monthly maintenance is waived for account holders under age 25. 

Read our full editorial review of the Bank of America Advantage SafeBalance Account

Discover Cashback Debit

Discover Cashback Debit is a rewards checking account with no minimum balance requirements and no monthly fees. You can open this account online and manage your money through the Discover mobile banking app. Get paid up to two days early when you enroll in direct deposit and withdraw cash fee-free at more than 60,000 ATMs. 

Read our full editorial review of the Discover Cashback Debit account

TD Complete Checking

TD Complete Checking is a simple checking account that's designed for anyone. There's a monthly fee but you have three ways to waive it; the fee is automatically waived for students aged 17 to 23. You can bank online, through the TD Bank mobile app, or at a TD Bank branch or ATM near you. 

Read our full editorial review of the TD Complete Checking account

Interest and Rewards

Rewards checking accounts help you get a little something extra for your money. Typically, that means:

• Earning interest on balances
• Getting points or cash back on eligible transactions

Synovus rewards you a little differently. With the Plus Checking account, you get the benefit of:

• Higher rates on Synovus savings accounts, money market accounts, CDs, and IRAs
• Rate discounts on Synovus HELOCs and security-backed lines of credit
• More competitive cash-back rewards and bonuses on Synovus credit cards

You won't earn interest on your balances or rewards on purchases made with your debit card. So that's something to consider if you're primarily interested in either of those benefits. 

How do the rates compare for Synovus savings products? 

If you're just earning the standard rate, then it's about as low as it can get. Relationship Rates are somewhat higher, though not quite as competitive as what you'll find at the best online banks. 

Fees

Banking fees are usually best avoided since they can siphon money away from your account. Traditional banks like Synovus often have more fees than online banks, though it's possible to find fee-friendly checking accounts. 

Let's look at the fees Synovus charges.

Other Service Fees - Synovus Plus Checking Account

The main fee to be aware of is the monthly maintenance fee, which you can waive if you:

• Are a member of the military
• Maintain a $10,000 relationship balance across all the Synovus accounts you own
• Make a minimum of $3,500 in deposits each month
• Maintain a minimum $500,000 business relationship balance

You just have to meet one of these requirements, not all four. If you prefer a checking account with no monthly fee then you might want to try an online bank. 

Online banks have a solid reputation for being more fee-friendly than traditional banks. 

Branch and ATM Access

Synovus Bank has just under 350 branches and around the same number of ATMs. Its physical footprint extends to Alabama, Florida, Georgia, South Carolina, and Tennessee.

You can also manage your accounts fee-free at Publix Presto! ATM locations. There are approximately 1,350 Publix stores to choose from. 

If you use another bank's ATM you may be charged a fee. Synovus does offer foreign ATM fee reimbursements but you're limited to just one per month. 

That's another great reason to consider an online bank that offers unlimited fee reimbursements, or any bank with a larger ATM network. ATM surcharges can quickly add up if you're regularly withdrawing cash. 

Account Access

You can manage your account at Synovus branches and ATMs or through online and mobile banking. If you need to deposit funds to your account, you have these options:

• ACH transfer
• Direct deposit
• Wire transfer
• Mobile check deposit
• Check deposits at ATMs or branches
• Cash deposits at branches

Synovus has a funds availability policy that dictates how quickly you'll have access to your money once you make a deposit. 

There are limits on how much you can withdraw at ATMs daily, along with daily debit card limits. These limits vary by account type, so you'll need to check your account agreement for more details. 

Synovus is a Zelle partner so you have that feature available if you want to send or receive payments instantly. There are no fees to use Zelle but daily and weekly transfer limits apply. 

FDIC Insurance

Synovus is an FDIC-insured bank which means your deposits are protected should the bank fail. 

Bank failures aren't a common occurrence but when they happen, the FDIC steps in to help customers recover their money. There's a limit to what you can get back following a bank failure, which is $250,000 per depositor.  

FDIC coverage is important to have, regardless of where you bank. And if you decide to open a checking account at a credit union, you get the benefit of similar coverage through the National Credit Union Administration (NCUA). 

What You Need to Open

You can open a Synovus Plus Checking account online or at a branch if that's more convenient. You'll need some basic info to get started, including your: 

• Name
• Date of birth
• Government-issued ID number
• Social Security number
• Mailing address
• Email address
• Phone number

If you'd like to open a joint account you can do so. You'll just need to provide all of the same information for your co-applicant. 

There's a $100 minimum deposit to open this account. If you're opening your account online, you'll need to link an external bank account to transfer the funds from. 

Frequently Asked Questions

Is Synovus a good bank?

Synovus is an established regional bank with branches and ATMs in multiple states across the southeast. Whether it's a "good" bank for you depends on what you need. If you're looking for a wide range of banking products to choose from and the convenience of branch locations, then Synovus may be a match. On the other hand, if you're looking for competitive savings rates or free checking, you may need to look elsewhere. 

Is a rewards checking account worth it?

Rewards checking accounts could be worth it if you're getting more than what you give. That means you earn more interest or rewards than you pay in fees. Comparing rewards checking accounts at traditional banks and online banks can give you an idea of which ones offer the best combination of features and low costs. 

Who is an online checking account right for? 

An online checking account is a great alternative to traditional checking, though it isn't always right for everyone. An online checking account could be a good choice for people who don't need to visit branches to make deposits or withdrawals and prefer to pay fewer fees while potentially earning more interest on their money.