Yes, you can open a Synovus checking account online from start to finish

Synovus allows you to open most of their checking accounts entirely through their website or mobile app without visiting a branch. The process takes about 10 to 15 minutes, and you can fund the account immediately after opening it. You will need a valid government ID, a Social Security number, and an initial deposit (the amount varies by account type).

Not every Synovus account can be opened online. Some specialty accounts or those requiring a business tax ID must be opened in person or by phone. But their standard personal checking accounts—including their basic checking and interest-bearing options—are available online.

Key Takeaways

  • Synovus checking accounts open online in 10 to 15 minutes using their website or mobile app, with no branch visit required.
  • You will need a valid government ID, Social Security number, and an initial deposit amount that depends on which account you choose.
  • Funding happens immediately after you complete the application, either by linking an existing bank account or using a debit card.
  • Some account types, including business checking, require a phone call or in-person appointment to complete.
  • Your account number and routing number are available as soon as your application is approved, usually within minutes.

What you need before you start the online application

Gather these items before opening your browser: a valid government-issued photo ID (driver's license, passport, or state ID), your Social Security number, and information about your initial deposit. Synovus does not have a single minimum deposit amount across all accounts—it varies. Their basic checking accounts typically require $100 to $500 to open, but this changes by account and by promotion, so check their current terms before you begin.

You will also need a way to fund the account immediately. Synovus accepts transfers from another bank account (you will provide the routing and account number) or payment by debit card. If you are funding from another bank, have that account number and routing number ready. The transfer usually posts within one to two business days.

Step-by-step: opening your account online

Go to Synovus.com and look for the "Open an Account" or "New Accounts" link, usually in the top navigation or under a "Products" menu. You will be asked to choose which type of checking account you want—Synovus offers several, so read the features and fees for each. Select the one that fits your needs.

Enter your personal information: full name, date of birth, Social Security number, address, phone number, and email. Synovus will verify this information against credit bureaus and banking databases. This step usually takes a few minutes. You will then be asked about your employment and income—this is standard for all banks and helps them meet federal reporting requirements.

Next, you will choose how to fund the account. If you are transferring from another bank, enter that bank's routing number and your account number there. If you are using a debit card, enter the card number, expiration date, and CVV. Synovus will process the deposit immediately, though it may take one to two business days to appear in your new account.

Review the account agreement and disclosures, then sign electronically. Your application will be submitted for approval. Most approvals happen within minutes; some take a few hours. You will receive a confirmation email with your new account number and routing number.

When Synovus will reject your online application

Synovus may deny your application or ask you to call or visit a branch if you have a history of unpaid overdrafts, fraud, or other banking issues flagged in the ChexSystems database (a banking history report that most banks check). If your application is denied, Synovus will tell you why and may offer you the chance to speak with someone by phone to discuss your options.

Some applicants are asked to verify their identity by phone or video call before the account opens. This happens randomly as a security measure. If this occurs, Synovus will contact you with instructions. The call usually takes 5 to 10 minutes.

Business checking accounts, joint accounts with a non-spouse, and accounts opened by someone under 18 cannot be opened entirely online. You will need to call Synovus at their business banking line or visit a branch to complete these applications.

What happens after your account opens

Your account number and routing number are available immediately in your online banking portal or app. You can use these to set up direct deposit, receive wire transfers, or link the account to other services right away. You do not have to wait for a debit card to arrive to start using the account.

Synovus will mail you a debit card within 7 to 10 business days. Until it arrives, you can withdraw money at any Synovus ATM using your account number and PIN (which you set during signup), or you can transfer money out to another account you own. Some Synovus accounts include access to a large ATM network beyond Synovus branches, so check your account terms.

Your first statement will be available online within 30 days. Synovus defaults to paperless statements, but you can request paper statements in your account settings if you prefer.

Funding your account after it opens

If you did not fund your account during signup, you can add money later through several methods. You can transfer from another bank using your new routing number and account number. You can deposit a check by photographing it in the Synovus mobile app. You can visit a Synovus branch or ATM to deposit cash. You can also have your employer deposit your paycheck directly into the account once you provide them with your routing and account number.

Transfers from other banks typically post within one to two business days. Mobile check deposits usually clear within one business day. Cash deposits at a Synovus ATM are available immediately.

Frequently Asked Questions

Do I need to visit a Synovus branch to open a checking account?

No. Most Synovus personal checking accounts open entirely online through their website or app. You will need a valid ID, Social Security number, and an initial deposit, but you do not need to go to a branch. Business accounts and some specialty accounts do require a phone call or branch visit.

How long does it take to get my debit card after I open the account?

Synovus mails debit cards within 7 to 10 business days. You can use your account number and PIN at Synovus ATMs immediately, and you can transfer money out or set up direct deposit right away without waiting for the card.

What if my online application is denied?

Synovus will explain why in an email. Common reasons include negative banking history in ChexSystems or previous fraud. You can call Synovus to discuss your situation or ask about alternative account options. Some people are asked to verify their identity by phone before approval.

Can I open a joint checking account online?

Joint accounts with a spouse can sometimes be opened online, but this varies. Joint accounts with non-spouses or accounts for minors require a phone call or branch visit. Contact Synovus directly to confirm whether your specific situation can be handled online.

When can I start using my new account?

Your account number and routing number are available immediately after approval, usually within minutes. You can set up direct deposit, receive transfers, and use ATMs right away. Your debit card arrives by mail within 7 to 10 business days.