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Welcome to Synovus: Personal Accounts & Services Guide

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Welcome to Synovus: Personal Accounts & Services Guide PERSONAL ACCOUNTS & SERVICES Welcome to Synovus Your complete guide to accounts and services transitioning from Florida Community Bank to Synovus Coming together As FCB transitions to Synovus, our priority is meeting your financial needs. As a Synovus customer, you’ll soon have access to an expanded range of products and services to help you achieve your goals. We make it easy and convenient to manage your day-to-day banking, and we can help you plan ahead for the long term. You’ll also find that everything feels familiar. That’s because Synovus shares 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 get in touch if you have any questions or concerns. • By phone: 1-888-850-0804 7:00 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 Contents New Account Name Chart .................................................................................................. 1 Checking Accounts Free Checking ....................................................................................................................... 3 Preferred Account ................................................................................................................ 3 Gold Checking ....................................................................................................................... 4 Signature Interest Checking .............................................................................................. 4 Military Interest Checking ..................................................................................................5 Health Savings Account......................................................................................................5 Money Market Accounts Signature Money Market Account ...................................................................................6 Premium Money Market Account .....................................................................................6 Savings Accounts Signature Personal Savings ............................................................................................... 7 Holiday Savings ..................................................................................................................... 7 Minor Savings ........................................................................................................................8 Personal Choice Savings IRA ............................................................................................8 Time Deposit Accounts Certificates of Deposit ........................................................................................................8 Loans Personal Loans ......................................................................................................................9 Personal Credit Cards .........................................................................................................9 Synovus Services Visa® Debit Cards .................................................................................................................9 ATMs .........................................................................................................................................9 Digital Banking (My Synovus) ............................................................................................9 Mobile Banking (My Synovus) ...........................................................................................9 Card Alerts ............................................................................................................................ 10 Digital Wallets ...................................................................................................................... 10 Order of Payment ............................................................................................................... 10 Statements ..............................................................................................................................11 Direct Deposits and Automatic Drafts ............................................................................11 Checks and Deposit Slips ..................................................................................................11 Safe Deposit Boxes ..............................................................................................................11 Home Mortgages ..................................................................................................................11 Financial Planning ................................................................................................................12 Investment Services ............................................................................................................12 Trust Services .......................................................................................................................12 Private Wealth Management ............................................................................................13 Family Office..........................................................................................................................13 FDIC Insurance .....................................................................................................................13 Fee Schedule ........................................................................................................................14 Privacy Policy ........................................................................................................................18 New Account Name Chart Your new Synovus account has been determined based on the features of your FCB account. If you have any questions, please visit your nearest branch. One of our team members will be happy to review Synovus accounts that may be a better fit for your needs. No changes to your accounts will take place until May 6, 2019. Checking Accounts Current FCB Account New Synovus Account Budget Checking Free Checking Community Checking Eco Checking Essential Checking FCB Free Checking Online FCB Free Checking Mortgage Relationship Checking Mortgage Reserve Checking Online VEP Colleague Checking Personal Checking Preferred Senior Checking Relationship Checking Resident Program Checking Student Checking VEP Colleague Checking VEP Rollins Checking Pinnacle Checking Preferred Account Gold Relationship Checking Gold Checking Senior/Founders Grandfathered Senior Gold Relationship Checking Personal Interest Checking Signature Interest Checking Stars & Stripes Checking Military Interest Checking Health Savings Account (HSA) Health Savings Account New Account Name Chart Subsidiary Account DESA DDA Subsidiary Money Market Accounts Eco Money Market Signature Money Market Account Essential Money Market Personal High Yield Money Market Personal Money Market Pinnacle Money Market Savings Accounts Eco Savings Signature Personal Savings Essential Savings Guaranteed Savings Personal Savings Pinnacle Savings Premier Personal Savings Resident Savings VEP Colleague Savings VEP Rollins Savings 1 Savings Accounts (continued) Minor Savings Minor Savings Holiday Savings Holiday Savings Money Market IRA Personal Choice Savings IRA Time Deposit Accounts IRA CD IRA CD Simplified Employee Pension Simple IRA Jumbo IRA CD Roth CD Roth IRA CD Education IRA Education IRA CD Personal Certificate Personal CD Online Advantage Personal CD Jumbo Certificate Loans FCB Consumer Loan Synovus Consumer Loan New Account Name Chart FCB Consumer Auto Loan FCB Mortgage Loan Synovus Mortgage Loan FCB Home Equity Line of Credit Synovus Home Equity Line of Credit FCB Home Equity Loan Synovus Home Equity Loan FCB Personal Line of Credit Synovus Personal Line of Credit 2 Checking Accounts All 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.1 Add your card to your Apple Pay®, Google Pay™, or Samsung Pay® mobile wallet for even more convenience. • Personal identity theft protection from Visa®, which reimburses you up to $2,500 for costs you incur if your identity is stolen or fraudulently used. • My Synovus digital banking2 allows you to check balances, make mobile deposits, pay bills,3 and 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 personal credit report and score. 2My Synovus digital banking includes online and mobile banking services. Use of the My Synovus app may require your mobile service 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. Free Checking A Synovus Free Checking account is easy, convenient, 24/7, and – best of all – free. Enjoy all the benefits that come standard with every Synovus checking account with no monthly maintenance fee and no minimum balance requirement. To learn about other services to help you manage your finances and avoid spending more than
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