Gold Checking


If you’re age 55+ and want the extra checking perks you so richly deserve, Gold Checking is for you.

A nice step up from our basic account, Gold Checking features a treasure of added benefits like tiered interest rates1 on higher balances, unlimited check writing and receive your first box of wallet-style checks free of charge. For personal checking that offers a great deal more, it’s the gold standard.

Click go for information about Money Market Account

Balance Requirements

$100 minimum deposit to open

 Maintain a $1,000 average daily balance or have $500 in Direct Deposits2 made to your account during the monthly statement cycle to avoid the $10 monthly service fee.


Key Features

 Earn more with tiered interest rates by maintaining higher balances.

 Receive your first box of wallet-style checks free of charge and enjoy unlimited check writing.

Talk to a friendly account specialist free of charge, whether by telephone or at hundreds of branches across the Southeast. Either way, you’ll have a unique banking experience that’s truly personal.

 Access your account easily and conveniently any time through Online Banking, Synovus Mobile Banking 3 or Touchtone banking.

 Enjoy a Visa® check card4 with no annual fee and no monthly usage fee. And, when you are on the go, take advantage of unlimited fee-free transactions at all Publix® Presto!® AT Ms 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.5


More Features

 Deposits insured by the FDIC to $250,0006

 $2,500 Personal Identity Theft benefit on your Visa® check card at no cost7




Important account information for Gold Checking

All accounts are subject to approval.

Must be 55 or older to qualify for this account

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 A Direct Deposit is the electronic deposit of your salary, pension, Social Security or other regular monthly income by your employer or another agency. Transfers from one account to another and deposits made at a branch or ATM are not considered Direct Deposits.

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

4 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.

5 A $2 credit is applied each month you are registered for these services and only if you do not meet the minimum Direct Deposit requirement or your balance falls below the minimum balance requirement necessary to waive the monthly service fee.

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

7 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.

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