Checking account that pays! Earn preferred interest plus refunds on ATM withdrawal fees, nationwide.

Key Features

  • Preferred Interest Rewards
  • Free Online Services
  • Mobile Deposits
  • Synergy EMV Debit Card

Do you currently have an account with Synergy Bank?

  • Free checking that can earn preferred interest
    • 1.21% APY1 on balances up to $15,000
    • 1.21% to 0.10% APY1 on portion of balances over $15,000 depending on balance in account
    • 0.05% APY1 if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $45 monthly)1
  • Link to Synergy Saves® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free online services
  • Free Synergy Visa® EMV debit card
  • Add Perk Club for $5 per month
  • $100 minimum deposit to open2

Qualifying is a Snap!

It's so easy to qualify, you're probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Synergy Pays account during each Monthly Statement Cycle.

That's it. Even if you don't meet your qualifications during the cycle, your Synergy Pays account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!

Do you currently have an account with Synergy Bank?

1 APY = Annual Percentage Yield. APYs accurate as of 9/16/2021. Rates may change after account is opened. Minimum to open is $100 for Synergy Pays. For Synergy Pays, if qualifications are met each monthly statement cycle: (1) Domestic ATM fees incurred during statement cycle will be reimbursed up to a maximum total of $45 per month and credited to account on the last day of the monthly statement cycle; (2) balances up to $15,000 receive APY of 1.21%; and, (3) balances over $15,000 earn 0.10% interest rate on the portion of the balance over $15,000, resulting in 1.21%-0.10% APY depending on the balance. If qualifications are not met on Synergy Pays, all balances earn 0.05% APY. Qualifying transactions must post and settle to Synergy Pays account during monthly statement cycle. Transactions may take one or more business days from the date transaction was made to post and settle to the account. ATM-processed transactions and intra-bank transfers between accounts do not count towards qualifying transactions. “Monthly Statement Cycle” means a period ending on the third Wednesday of each month. Contact us for more information.
2 All new accounts are subject to a $10.00 early closure fee if the account is closed within 180 days of opening the account.