Where Synovus fits
Synovus is strongest for Southeast businesses that want a regional-bank relationship but expect to use more than basic checking. Its published tiers show a clear move from ordinary transaction allowances into treasury, merchant-services, fraud-mitigation and analysis-account economics.
Checking structure
Synovus spans a wide operating range: Pro Business Checking for simpler needs, Preferred for growing transaction volume, Performance as a bundled payments-and-fraud-control package, and Commercial Analysis for complex account-analysis relationships.
Transactions and cash deposits
Pro Business Checking includes 200 combined debits and credits and $10,000 in cash deposits without a fee. Preferred increases those allowances to 400 items and $20,000 in cash. Performance combines checking with digital banking, ACH origination, fraud mitigation and merchant-services features. Commercial Analysis uses earnings-credit and detailed account-analysis pricing for larger operations.
Relationship economics
Pro has a $12 monthly fee, waived with at least a $1,000 average collected balance. Preferred costs $25 and is waived at a $15,000 average collected balance. Performance carries a $65 monthly maintenance fee that can be avoided with a $65,000 average collected balance. Treasury and merchant-services products may carry additional approval, balance or pricing requirements.
Who should compare Synovus closely
Southeast businesses that want a regional bank with a genuine path from simple checking into payments, fraud controls, merchant services and commercial account analysis.
Current business checking comparison
| Account | Monthly fee | How the fee can be avoided | Operating allowance / notable feature |
|---|---|---|---|
| Pro Business Checking | $12 or $0 | $1,000 average collected balance | 200 combined debits/credits; $10,000 cash deposits at no fee |
| Preferred Business Checking | $25 or $0 | $15,000 average collected balance | 400 combined debits/credits; $20,000 cash deposits at no fee |
| Performance Business Checking | $65 or $0 | $65,000 average collected balance | Bundled digital banking, ACH origination, fraud mitigation and merchant-services features |
| Commercial Analysis Checking | Activity / analysis priced | Earnings credit may offset service fees | Designed for high-volume, multi-account commercial relationships |
Primary sources
- Synovus business checking accounts
- Synovus Pro Business Checking
- Synovus Preferred Business Checking
- Synovus Performance Business Checking
- Synovus Commercial Analysis Checking
One of the broader regional-bank operating stacks: the checking tiers become materially more sophisticated as the business moves into payments and treasury needs.
Southeast businesses that want a regional bank with a genuine path from simple checking into payments, fraud controls, merchant services and commercial account analysis.