Synovus account fees
Synovus prints Plus Checking at $10 a month and Inspire Checking at $50 a month on its personal schedule. The overdraft rows on that same PDF are on Synovus overdraft fee.
Last updated: October 25, 2026
Last checked: Oct 2026
Checking and savings
Opened 25 October 2026. The figures are from the Synovus personal banking schedule of fees and charges (PDF). The PDF says the information is effective 2 January 2026. More pages are on US bank fees.
Plus Checking opens at $100 and is $10 a month. The fee is waived with a $10,000 relationship balance, or $3,500 in monthly deposits, or a $500,000 business relationship balance, or when the owner is in the military community and shows a military ID at opening. Inspire Checking opens at $100 and is $50 a month, waived with a $100,000 relationship balance or a $1,000,000 business relationship balance. Private Wealth Checking opens at $100 and the monthly service fee row prints none. The PDF says it is only available in certain markets.
A Health Savings Account is $3 a month after it has been open for six months, waived with a $2,500 minimum daily balance, plus $1 per check. Student Checking, for students under 26, opens at $100 and is $3 a month, waived by enrolling in My Synovus and eStatements. The PDF says it converts to Plus Checking after the owner's 26th birthday. Budget Checking opens at $25 and is $5 a month. The PDF prints no waiver, and it says standard overdraft coverage is not provided.
Relationship Money Market opens at $100 and is $10 a month, waived with a $2,500 relationship balance. Personal Savings opens at $100 and is $5 a month, waived with a $200 relationship balance. Minor Savings and Holiday Savings print none for the monthly fee. Personal Choice IRA is $25 a year, waived with a $1,000 ledger balance every 12 months. Other monthly fees are on monthly checking account fees by bank.
A yearly total from numbers you type is on the bank fee calculator. It does not look up this institution.
| Account | Monthly fee | One way to waive it |
|---|---|---|
| Plus Checking | $10 | $10,000 relationship balance, or $3,500 in monthly deposits |
| Inspire Checking | $50 | $100,000 relationship balance |
| Private Wealth Checking | None | Not applicable |
| Health Savings Account | $3 | $2,500 minimum daily balance, after six months |
| Student Checking | $3 | Enroll in My Synovus and eStatements |
| Budget Checking | $5 | No option on the schedule |
| Personal Savings | $5 | $200 relationship balance |
| Relationship Money Market | $10 | $2,500 relationship balance |
Other lines on the same PDF
A paper statement is $2. The footnote says that fee does not apply to Preferred Account and Gold Checking. A stop payment is $36. An official check for a customer is $10. A non-Synovus ATM withdrawal or balance inquiry is $2.50, plus any fee the ATM owner charges. An international card transaction is 3.00%.
A domestic incoming wire is $18 and a domestic outgoing wire is $26. An international incoming wire is $25 and an international outgoing wire is $45. Personal Savings allows 6 withdrawals a month, then $5 each. Relationship Money Market uses the same 6, then $5.
Overdrafts are $36 on other accounts and $29 on military accounts. The PDF says the fee does not apply to Budget Checking, and it caps the count at three in one day. That row is explained on Synovus overdraft fee. How to ask about a fee that already posted is on how to ask about an overdraft fee.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What the schedule prints |
|---|---|
| Paper statement | $2 |
| Stop payment | $36 |
| Official check, customer | $10 |
| Non-Synovus ATM | $2.50 |
| Domestic wire, incoming | $18 |
| Domestic wire, outgoing | $26 |
| Overdraft, most accounts | $36 |
| Overdraft, military accounts | $29 |
Questions
- How much is Synovus Plus Checking a month?
- The personal schedule effective 2 January 2026 prints $10 a month. It is waived with a $10,000 relationship balance, $3,500 in monthly deposits, a $500,000 business relationship balance, or military community status with a military ID at opening.