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Welcome to Synovus: Business & Commercial Accounts & Services

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Welcome to Synovus: Business & Commercial Accounts & Services BUSINESS & COMMERCIAL 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 needs and those of your business. You’ll soon have access to an expanded range of products and services to help you achieve your financial goals. We make it easy and convenient to manage your day-to-day banking, and we can help you plan ahead for the growth of your business. 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 business and commercial products and services we offer. You’ll also find details about any differences 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 Business Interest Checking ...............................................................................................2 Pro Business Checking .......................................................................................................2 Preferred Business Checking ............................................................................................ 3 Non-Profit Checking ............................................................................................................. 3 Commercial Demand Account .......................................................................................... 3 Commercial Analysis Checking ........................................................................................ 4 SCM Interest Checking ....................................................................................................... 4 SCM Analysis Checking ......................................................................................................5 IOLTA/IOTA Checking .........................................................................................................5 Money Market Accounts Commercial Money Market Account ...............................................................................6 SCM Money Market Account .............................................................................................6 Savings Accounts Business Savings .................................................................................................................. 7 SCM Savings .......................................................................................................................... 7 Time Deposit Accounts Certificates of Deposit .........................................................................................................8 Loans Business and Commercial Loans .....................................................................................8 Business and Commercial Lines of Credit .....................................................................8 Small Business Administration (SBA) Loans ..................................................................8 Business Credit Cards .........................................................................................................8 Synovus Services Visa® Business Debit Card .................................................................................................9 Synovus ATMs .......................................................................................................................9 Business Electronic Banking .............................................................................................9 Card Alerts ..............................................................................................................................9 Digital Wallets ...................................................................................................................... 10 Order of Payment ............................................................................................................... 10 Statements ............................................................................................................................ 10 Checks and Deposit Slips ................................................................................................ 10 Check Recovery Services...................................................................................................11 Safe Deposit Boxes ..............................................................................................................11 FDIC Insurance ......................................................................................................................11 Treasury Management Services .....................................................................................11 Fee Schedule ........................................................................................................................12 New Account Name Chart We chose your new Synovus account based on the features of your FCB account. If you have any questions, please visit your nearest branch. If you’d like to explore different account options, we’ll be happy to help you after the move to Synovus is completed on May 6, 2019. Checking Accounts Current FCB Account New Synovus Account Small Business Checking Small Business Checking Business Checking Business Checking Small Business Grandfathered Small Business Grandfathered Commercial Demand Account Commercial Demand Account Analysis Business Interest Checking Business Interest Checking Business Interest Checking Commercial Checking Commercial Analysis Checking Public Funds Now Checking SCM Interest Checking Commercial Demand Public Funds Public Funds Checking SCM Analysis Checking IOTA IOLTA/IOTA Checking Master Account Deposit Escrow Master DESA Business NOW DESA Non Profit Sub Repurchase Agreement Repurchase Agreement Sweep Money Market Accounts Business Money Market Commercial Money Market Account Commercial High Yield Money Market Public Funds Money Market SCM Money Market Account New Account Name Chart Savings Accounts Business Savings Business Savings Public Funds Savings SCM Savings Subsidiary Account DESA MMA Sub Time Deposit Accounts Business Certificate Business CD Jumbo Business CD Jumbo Public Fund CD SCM CD Public Fund CD <$100,000 Loans FCB Business Loan Synovus Business Loan FCB Commercial Loan Synovus Commercial Loan FCB SBA Loan Synovus SBA Loan FCB Business Line of Credit Synovus Business Line of Credit FCB Commercial Line of Credit Synovus Commercial Line of Credit 1 Checking Accounts All Synovus business checking accounts feature these standard benefits: • Unlimited fee-free transactions at our robust network of Synovus ATMs and at Publix® Presto!® ATMs. • Friendly business bankers, ready to welcome you in person at a local branch or by phone at 1-888-SYNOVUS (1-888-796-6887). Business Interest Checking Available for sole proprietors and eligible non-profit organizations, Business Interest Checking1 earns interest on your entire balance, with tiered interest rates that reward higher balances. You’ll receive all the standard benefits for Synovus business checking accounts, plus these additional features: • Check Recovery Services2 at no cost. • A Visa® Business debit card to simplify purchasing with no monthly usage fee.3 • 200 combined debits, credits, and deposited items per statement cycle. • Cash deposits of up to $10,000 per statement cycle at no charge. Business Interest Checking Pricing Information: • Monthly maintenance fee of $10 will be waived with a $2,500 average collected balance for the statement cycle. • $0.35 for each item over the 200 limit per statement cycle. Checking Accounts • $.0015 per $1.00 deposited over the $10,000 limit per statement cycle. • Prime +3% negative collected balance fee.4 1Interest is compounded daily, credited monthly, and paid on the collected balance using the daily balance method. The interest rate on the entire balance in your account will be paid based on the daily balance tier. Account has a variable interest rate subject to change after account opening and without notice. 2More information on Check Recovery Services can be found on page 11 of this booklet. 3All newly opened accounts are subject to approval. 4The negative collected balance fee is calculated daily based on the average uncollected balance. Pro Business Checking Pro Business Checking is a simple, flexible way to manage your day-to-day banking. Although the account is tailored to basic banking needs, it comes with all the standard benefits for Synovus checking accounts, plus these additional features: • Get a 10% discount on your first order of business checks. • Check Recovery Services1 at no cost. • A Visa® Business debit card to simplify purchasing with no annual or monthly usage fee.2 • 200 combined debits, credits, and deposited items per statement cycle. • Cash deposits of up to $10,000 per statement cycle at no charge. Pro Business Checking Pricing Information: • Monthly maintenance fee of $10 will be waived with a $1,000 average collected balance for the statement cycle.
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