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PERSONAL ACCOUNTS & SERVICESWelcome to SynovusYour complete guide to accounts and servicestransitioning from Florida Community Bank to Synovus
Coming togetherAs FCB transitions to Synovus, our priority is meeting your financial needs.As a Synovus customer, you’ll soon have access to an expanded range ofproducts and services to help you achieve your goals. We make it easy andconvenient to manage your day-to-day banking, and we can help you planahead for the long term.You’ll also find that everything feels familiar. That’s because Synovus sharesthe same principles as FCB; we put our customers and our communities first.Plus, the associates you’ve come to know at FCB will continue to serve you asSynovus team members.We’ve prepared this booklet to give you information about the products andservices we offer. You’ll also find details about any changes as your FCBaccount(s) become Synovus account(s).We’re here to helpPlease get in touch if you have any questions or concerns. By phone:1-888-850-08047:00 a.m. to 11:00 p.m. Eastern time, 7 days a week Online:synovus.com/welcomefcb In person:Stop by your local branch during banking hours
Table of ContentsNew Account Name Chart. 1Checking AccountsFree Checking. 3Preferred Account. 3Gold Checking. 4Signature Interest Checking. 4Military Interest Checking. 5Health Savings Account. 5Money Market AccountsSignature Money Market Account. 6Premium Money Market Account. 6Savings AccountsSignature Personal Savings. 7Holiday Savings. 7Minor Savings. 8Personal Choice Savings IRA. 8Time Deposit AccountsCertificates of Deposit. 8LoansPersonal Loans. 9Personal Credit Cards. 9Synovus ServicesVisa Debit Cards. 9ATMs. 9Digital Banking (My Synovus). 9Mobile Banking (My Synovus). 9Card Alerts. 10Digital Wallets. 10Order of Payment. 10Statements.11Direct Deposits and Automatic Drafts.11Checks and Deposit Slips.11Safe Deposit Boxes.11Home Mortgages.11Financial Planning.12Investment Services.12Trust Services.12Private Wealth Management.13Family Office.13FDIC Insurance.13Fee Schedule.14Privacy Policy.18
New Account Name ChartYour new Synovus account has been determined based on the features of your FCB account. If youhave any questions, please visit your nearest branch. One of our team members will be happy toreview Synovus accounts that may be a better fit for your needs. No changes to your accounts willtake place until May 6, 2019.Checking AccountsCurrent FCB AccountNew Synovus AccountNew Account Name ChartBudget CheckingFree CheckingCommunity CheckingEco CheckingEssential CheckingFCB Free CheckingOnline FCB Free CheckingMortgage Relationship CheckingMortgage Reserve CheckingOnline VEP Colleague CheckingPersonal CheckingPreferred Senior CheckingRelationship CheckingResident Program CheckingStudent CheckingVEP Colleague CheckingVEP Rollins CheckingPinnacle CheckingGold Relationship CheckingSenior/Founders GrandfatheredSenior Gold Relationship CheckingPersonal Interest CheckingStars & Stripes CheckingHealth Savings Account (HSA)Subsidiary AccountPreferred AccountGold CheckingSignature Interest CheckingMilitary Interest CheckingHealth Savings AccountDESA DDA SubsidiaryMoney Market AccountsEco Money MarketEssential Money MarketPersonal High Yield Money MarketPersonal Money MarketPinnacle Money MarketSignature Money Market AccountSavings AccountsEco SavingsEssential SavingsGuaranteed SavingsPersonal SavingsPinnacle SavingsPremier Personal SavingsResident SavingsVEP Colleague SavingsVEP Rollins Savings1Signature Personal Savings
Savings Accounts (continued)Minor SavingsHoliday SavingsMoney Market IRAMinor SavingsHoliday SavingsPersonal Choice Savings IRATime Deposit AccountsIRA CDSimplified Employee PensionSimple IRAJumbo IRA CDRoth CDEducation IRAIRA CDRoth IRA CDEducation IRA CDPersonal CertificatePersonal CDOnline Advantage Personal CDJumbo CertificateLoansSynovus Consumer LoanFCB Mortgage LoanSynovus Mortgage LoanFCB Home Equity Line of CreditFCB Home Equity LoanFCB Personal Line of CreditNew Account Name ChartFCB Consumer LoanFCB Consumer Auto LoanSynovus Home Equity Line of CreditSynovus Home Equity LoanSynovus Personal Line of Credit2
Checking AccountsAll Synovus personal checking accounts feature these standard benefits: Unlimited fee-free transactions at our robust network of Synovus ATMs and at Publix Presto! ATMs. Visa debit card (or Visa Platinum debit card, if applicable) with no monthly usage fee.1Add your card to your Apple Pay , Google Pay , or Samsung Pay mobile wallet for evenmore convenience. Personal identity theft protection from Visa , which reimburses you up to 2,500 for costsyou incur if your identity is stolen or fraudulently used. My Synovus digital banking2 allows you to check balances, make mobile deposits, pay bills,3and transfer funds anytime, anywhere.1When you apply for a debit card, credit card, or other credit product, we will base the approval on a review of your personalcredit report and score.2My Synovus digital banking includes online and mobile banking services. Use of the My Synovus app may require your mobileservice provider’s data and/or text plan, for which charges may apply.3Online Bill Pay service is free. Fees apply to same-day and overnight Bill Pay requests.Checking AccountsFree CheckingA Synovus Free Checking account is easy, convenient, 24/7, and – best of all – free. Enjoy all thebenefits that come standard with every Synovus checking account with no monthly maintenancefee and no minimum balance requirement.To learn about other services to help you manage your finances and avoid spending more than youhave available in your checking account — such as our Synovus Connections Visa Prepaid Card —please visit a nearby branch or go to synovusconnections.com.Preferred AccountA Synovus Preferred Account offers exclusive features and rewards for larger balances. You’llreceive all the standard benefits for Synovus checking accounts, plus these additional features: Save with 50% off safe deposit box rentals, free standard wallet-style checks or a 50%discount on designer checks, free cashier’s and certified checks, and unlimited check writing. Enjoy competitive tiered interest rates with a bonus interest rate for combined balances of 15,000 or more.1,2 Have monthly service charges waived on two additional accounts including Gold Checking,Signature Money Market, Advantage Money Market, and Premium Money Market. Get a refund of up to four transaction fees per statement cycle for withdrawals at nonSynovus ATMs.3 Take advantage of all the great Visa benefits that come with your Visa Platinum debit card,including Price Protection, Warranty Manager, Purchase Security, and more.4 Plus, you’ll haveVisa Zero Liability protection from fraud at no additional cost.5 Learn more about these greatcomplimentary Visa benefits at synovus.com/visadebitcardbenefits.Preferred Account Pricing Information: The monthly service fee is 25.You can avoid the monthly service fee with any of the following: 5,000 average daily balance in your Preferred Account OR 15,000 average daily balance in any combination of your interest-bearing checkingaccounts, personal money market accounts or savings accounts, and/or outstanding balancesin personal or home equity lines of credit, personal installment loans, or personal Synovuscredit cards6,7 OR 25,000 average daily balance in any combination of the account options listed above and/orCDs and IRAs.6,7If your monthly service fee isn’t waived, you’ll receive a 2 credit if you’re registered forMy Synovus digital banking and paperless statements.3
1To obtain the applicable Annual Percentage Yield (APY), you must maintain a minimum balance of 1,000 in your account eachday of the statement cycle. The interest rate on the entire balance of your account will be paid on the applicable daily balancetier. Account has variable interest rate subject to change after account opening and without notice. Interest is earned on dailybalances of 1,000 or more, compounded daily, credited monthly and paid on collected balance, using the daily balance method.2Earn an additional 5 basis points for a combined average daily balance of 15,000- 24,999.99 or an additional 15 basis pointsfor a combined average daily balance of 25,000 or greater on the balance in your Preferred Account.3Refund does not apply to any fees the ATM owner might charge.4Certain terms, conditions, and exclusions apply. In order for coverage to apply you must use your covered Visa card to securetransactions.5Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. See bank for details.6Excludes closed-end mortgage balances.7The Preferred Account owner must be the primary or secondary owner on the accounts to be considered for the combinedbalance qualifier.Checking AccountsGold CheckingIf you’re 55 or older, it’s time you started seeing some reward for your hard work. Your Gold Checkingaccount gives you all the Synovus standard checking benefits, plus ways to earn and save more. Earn tiered interest rates1 on higher balances. Get your first box of standard wallet-style checks for free, and write unlimited checks. Take advantage of free notary services. Enjoy Visa Zero Liability to protect your Visa debit card from fraud, at no additional cost.2Gold Checking Pricing Information: The monthly service fee is 10.You can avoid the monthly service fee with either of the following: 1,000 average daily balance for the statement cycle OR Direct deposits of at least 500 per statement cycle.3If your monthly service fee isn’t waived, you’ll receive a 2 credit if you’re registered forMy Synovus digital banking and paperless statements.1To obtain the applicable Annual Percentage Yield (APY), you must maintain a minimum balance of 1,000 in your account eachday of the statement cycle. The interest rate on the entire balance of your account will be paid on the applicable daily balance
the same principles as FCB; we put our customers and our communities first. Plus, the associates you’ve come to know at FCB will continue to serve you as Synovus team members. We’ve prepared this booklet to give you information about the products and services we offer. You’ll also find details about any changes as your FCB account(s) become Synovus account(s). We’re here to help Please .
