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Submission: On April 27 via manual from US — Scanned from DE
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GIVE YOURSELF PEACE OF MIND WITH OVERDRAFT COVERAGE
Whether you’re on the hook for a sudden expense or you forgot to deposit funds
into your account, you may find yourself with an overdrawn checking account from
time to time. Overdraft coverage can help.
OPTIONS FOR PERSONAL OVERDRAFT COVERAGE
Managing your accounts regularly is one of the best ways to avoid overdrafts. To
help you when the unexpected occurs, we offer two types of overdraft coverage so
you can choose what’s right for you.
--------------------------------------------------------------------------------
OVERDRAFT PRIVILEGE
Transactions Standard Coverage
(no action required) Extended Coverage2
(enrollment required) Checks ACH - Auto Debits Recurring Debit Card Payments
Teller Window Transactions ATM Withdrawals
Everyday Debit Card Purchases
There is no cost for overdraft coverage unless you use it.
If you have an overdraft, there is a $36 fee per transaction ($29 for military
accounts).
If your account qualifies, your checking account will automatically receive
Overdraft Privilege - Standard Coverage which covers the transactions listed in
the chart above. If you do not have sufficient funds during one of these
transactions, this service will pay the transaction for you for a fee of $36
($29 for military account),1,2,3 up to your overdraft limit.4
To also cover ATM withdrawals and everyday debit card purchases, you can sign up
for Overdraft Privilege - Extended Coverage.5 Without this service, these
transactions may be declined at the time of purchase if you do not have
sufficient funds. You can sign up for Extended Coverage at account opening, or
simply contact us through any one of the following channels:
* Visit a local branch
* Call us at (877) 803-4810
* Download & mail us a completed Overdraft Privilege Extended Coverage Consent
Form
* Use My Synovus to navigate to Account Details to update your overdraft
enrollment
Of course, you can always discontinue Overdraft Privilege in its entirety, but
if you do, overdraft transactions will not be paid, and your account will still
be charged a $36 non-sufficient funds fee ($29 for military accounts) for each
overdraft transaction. To discontinue, call us at (877) 803-4810 and press
option 0.
--------------------------------------------------------------------------------
OVERDRAFT PROTECTION
Linked Account Cost Another deposit account you have with us $10 per transfer
Synovus Bank credit card for cash advance6 Subject to card fees + interest
Synovus Bank Line of Credit (LOC)6 Subject to LOC fees + interest Overdraft
Protection may help prevent overdrafts by automatically transferring funds to
your checking account from another account, a credit card cash advance, or line
of credit you have with us.
Link your checking account to another Synovus deposit account, credit card, or
line of credit through Overdraft Protection. This service applies to most
checking account transactions and may help prevent overdrafts by automatically
transferring funds to your checking account from one of the sources listed in
the chart above.
To get started with Overdraft Protection, contact us or visit your local branch.
Don’t have a savings account yet? Visit your local branch to meet with a banker
and discuss what account options are best for you.
Compare Savings Accounts
MANAGING YOUR MONEY
* Avoid unexpected overdrafts. Know how your balance is calculated, and keep
track of it every month. Use My Synovus digital banking to keep track of your
spending on the go. You can check your balance, set up low balance alerts, or
easily transfer funds between your accounts.
* Get account backup. Linking another account or a line of credit with
Overdraft Protection could be a less expensive option to cover unexpected
overdrafts. A single funds transfer will result in one funds transfer fee and
may provide the overdraft coverage you need, as opposed to multiple overdraft
fees per transaction.
* Use secondary support. Even if you have Overdraft Protection, Overdraft
Privilege (Standard or Extended Coverage) provides secondary support if your
other funding source is exhausted. You can use both types of overdraft
coverage on your account.
* Choose a bank account that's right for you. Synovus Budget Checking is an
alternative account that does not offer overdraft coverage, but limits
transactions that could overdraw your account based on your available balance
(returns/declines ACH and some debit card transactions when funds are not
available). This account features a low monthly fee8, and waived NSF and
overdraft fees.
--------------------------------------------------------------------------------
FREQUENTLY ASKED QUESTIONS
How much does Overdraft Privilege cost?
There is no cost for Overdraft Privilege unless you use it. If you have an
overdraft, there is a $36 overdraft fee per transaction ($29 for military
accounts) that causes your account to be overdrawn.
How do I get Overdraft Privilege?
Every eligible checking account automatically has Overdraft Privilege - Standard
Coverage. For new checking accounts, you will receive Standard Coverage with a
$100 overdraft limit at account opening. After your account has been open for 31
days and is in good standing, your account will be covered by the full overdraft
limit of $100, $250, or $500, depending on account type and eligibility
criteria.
If you want us to authorize and pay overdrafts caused by ATM and everyday debit
card transactions, then you will need to enroll in Overdraft Privilege -
Extended Coverage by notifying us through one of the methods listed above.
What if I don’t want Overdraft Privilege?
You can unenroll from Overdraft Privilege - Extended Coverage at any time
through the channels above. Without coverage, these overdraft transactions will
not be paid, and your account could be charged a $36 non-sufficient funds fee
($29 for military accounts) for each returned item.
To discontinue Overdraft Privilege in its entirety (including Standard
Coverage), call us at (877) 803-4810 and press 0 to speak to a Customer Care
agent. Any overdrafts may be declined at the point of purchase or returned
unpaid to the payee (unless you have Overdraft Protection available to cover the
transactions), and your account may be charged a $36 non-sufficient funds fee
($29 for military accounts) for each returned item.
What else do I need to know about Overdraft Coverage?
Best Practices
* A link to another account or a line of credit could be a less expensive
option than an overdraft. A single larger overdraft transaction will result
in just one fee, as opposed to multiple smaller overdraft transactions.
* Even if you have Overdraft Protection, Overdraft Privilege is still available
as secondary coverage if the other protection source is exhausted.
* Good account management is the best way to avoid overdrafts. Use My Synovus
digital banking to keep track of your balance.
Additional Information on Fees and Charges
* The $36 overdraft fee ($29 for military accounts) is the same fee amount that
is charged if a check is returned as unpaid. If multiple transactions
overdraw your account on the same day, each transaction will be assessed an
overdraft fee or a non-sufficient funds fee of $36 ($29 for military
accounts). All fees and charges will be included as part of the Overdraft
Privilege limit amount. Your account may become overdrawn in excess of the
Overdraft Privilege limit amount as a result of a fee.
* If your account balance remains overdrawn for 7 or more consecutive calendar
days, we will charge your account an overdraft collection fee of $35 ($25 for
military accounts).
* There is a limit of 6 overdraft fees ($216 or $174 for military accounts) per
day we will charge. We will not charge an overdraft fee if your account is
overdrawn by $5 or less.
* Giving us your consent to pay everyday debit card and ATM overdrafts may
result in you incurring overdraft fees for transactions we would otherwise be
required to pay without assessing an overdraft fee. However, this would allow
us to authorize transactions up to the amount of your Overdraft Privilege
limit. It may also help you avoid overdrafts in excess of your available
funds, which could result in restriction on the use of your debit card.
Posting Order
* Our Order of Payment, which explains the order in which transactions are
posted to your account, is provided below, in your Schedule of Fees and
Charges, and on the back of your monthly statement. Overdraft coverage
options are available on our website or through your banker or Customer Care.
In addition, if you are eligible for or enrolled in our overdraft privilege
program you will periodically receive a description of options for covering
unexpected overdrafts, which contains more information regarding how items
are deducted from your account balance, how you can prevent overdrafts from
occurring, and how to prevent items from being declined for payment due to
your account being overdrawn.
* This section describes our general practice for paying transactions from your
account. We may vary the order of payment if items are presented that cannot
be returned unpaid. We reserve the right to change how we pay transactions
from your account and will provide you notice of these changes. After the
close of the business day, we add your deposits and other credits to your
account. We then deduct any fees and charges owed to us. Finally, we deduct
all items presented for payment. The order these items are deducted from your
account balance is based upon the type of transaction and, for electronic
transactions, when the transaction was performed by you or was received by
us. First, we pay outgoing wire transactions in the order they were made.
Then, we pay electronic transactions (First, we pay preauthorized ACH debits,
then ATM transactions, and then debit card transactions.) in the order they
were performed by you or were received by us. Next, we pay unnumbered checks
and other items drawn on your account by dollar amount in ascending order.
Finally, we pay checks drawn on your account in ascending check number order.
However, exceptions will occur. Holds on funds (described below) and the
order in which transactions are paid may impact the total amount of overdraft
fees assessed.
Restrictions and Holds
* Although under transaction processing requirements we may be obligated to pay
some unauthorized debit card transactions, we will not authorize debit card
or ATM transactions unless there are available funds (including Overdraft
Coverage options, if applicable) to cover the transactions and any fee(s).
* An overdraft can occur when one or more debit items (for example: check, ATM,
debit card, etc.) attempts to clear your account in an amount that exceeds
the Available Balance of your deposit account. “Available Balance” is
calculated by taking the prior business day’s ending Ledger Balance and
subtracting funds being held to cover pending transactions. A pending
transaction is a transaction the bank is aware of but has not yet cleared
your account and might include must-pay debit card transactions or deposits
made to your account for which funds have not yet been collected. “Ledger
Balance” is typically the balance from the close of the previous business
day. Neither Ledger Balance nor Available Balance reflects any transactions
the bank does not know about such as checks written but not yet received by
the bank.
* Except as described in this document, we will not pay transactions if your
account does not contain available funds (including the Overdraft Privilege
limit) to cover the transaction(s) and the amount of any fee(s).
* We may restrict your debit card use or rescind your access to Overdraft
Privilege if you incur overdrafts in excess of the available funds in your
account, including any Overdraft Privilege limit.
* We will place a hold on your account (for up to three business days) for any
authorized signature-based debit card transaction until the transaction
settles. When the transaction is received for final settlement, the hold will
be released and that amount added back to your “Available Balance” in
conjunction with the settlement of the transaction to your account. If your
account is overdrawn an overdraft fee may be assessed.
Other Disclosures
* Overdraft Privilege is not a loan or a line of credit; it is a discretionary
overdraft service that can be withdrawn at any time without prior notice.
* Overdraft Privilege may be discontinued if you default on any loan or other
obligation to us, if your account becomes subject to any legal or
administrative order or levy, or if you fail to maintain your account in good
standing by not bringing your account to a positive balance within 32 days
for a minimum of one business day.
* All account owners will continue to be liable, jointly and severally, for all
overdraft and fee amounts, as described in the Terms and Conditions of Your
Account. The total (negative) balance, including all fees and charges, is due
and payable upon demand.
IMPORTANT DISCLOSURE INFORMATION
1. If multiple transactions overdraw your account on the same day, each
transaction will be assessed an overdraft fee or a non-sufficient funds fee
of $36 ($29 for military accounts). All fees and charges will be included as
part of the Overdraft Privilege limit amount. Your account may become
overdrawn in excess of the Overdraft Privilege limit amount as a result of a
fee. Back
2. If your account balance remains overdrawn for 7 or more consecutive calendar
days, we will charge your account an overdraft collection fee of $35 ($25
for military accounts). Back
3. There is a limit of 6 overdraft fees ($216 or $174 for military accounts)
per day that we will charge. We will not charge an overdraft fee if your
account is overdrawn by $5 or less. Back
4. For new checking accounts, you will receive Overdraft Privilege Standard
Coverage with a $100 overdraft limit when you open your account. After your
account has been open for 31 days and is in good standing, your account will
be covered by the full overdraft limit of $100, $250, or $500, depending on
account type and eligibility criteria. Back
5. Giving us your consent for Overdraft Privilege Extended Coverage may result
in you incurring overdraft fees for transactions we would otherwise be
required to pay without assessing an overdraft fee. However, this would
allow us to authorize transactions up to the amount of your Overdraft
Privilege limit. It may also help you avoid overdrafts in excess of your
available funds, which could result in restriction on the use of your debit
card. Back
6. Subject to credit approval. Back
7. Minimum $20 required to open. There is a monthly service fee of $4. Back
8. A $5 monthly fee applies. Minimum deposit to open is $25. Back
LOOKING FOR OVERDRAFT INFORMATION ON BUSINESS ACCOUNTS?
Read more here.
What you need to know about Overdrafts and Overdraft Fees
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Banking products are provided by Synovus Bank, Member FDIC. Synovus Bank, NMLS
#408043, is an Equal Housing Lender.
Synovus Bank, Member FDIC, is an Equal Housing Lender and lends in the states of
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communication is directed to properties in those states. Loans subject to
approval including credit approval. Synovus Bank, NMLS #408043.
If you would like to assert there has been an error made with the servicing of
your consumer mortgage loan, or if you would like to request information about
the servicing of your consumer mortgage loan, and if you would like your
assertion or request to be treated in accordance with the procedures provided in
12 C.F.R. Parts 1024.35 and 1024.36, then you must send written notice to us at
Synovus Bank, Attention: Mortgage Customer Service, 800 Shades Creek Parkway, MS
130, Birmingham, AL 35209. Otherwise, we will treat your assertion or request
per our standard policies and procedures.
You have certain rights under Federal law related to resolving errors and
requesting information about your mortgage account, and you may learn more about
your rights by contacting Synovus Bank, or by visiting
http://www.consumerfinance.gov/mortgage/
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registered Investment Advisor, Synovus Trust Company, N.A. (STC), GLOBALT, a
separately identifiable division of STC and Creative Financial Group, a division
of SSI. Trust services for Synovus are provided by STC.
NOT FDIC INSURED
NO BANK GUARANTEE
MAY LOSE VALUE
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and STC is a subsidiary of Synovus Bank. You can obtain more information about
SSI and its Registered Representatives by accessing BrokerCheck.
Approval of any bank product or service is not contingent upon purchasing
insurance from Synovus Bank. Insurance products marketed through Synovus and its
affiliated companies are underwritten by insurance companies not affiliated with
Synovus.
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