Products & Services

Checking

Checking
  Min Opening Deposit Min. Daily Balance to Avoid Net Service Charge Monthly Net Service Charge Additional Features
Synergy Special Checking $25.00 - -  
Business Checking Analysis $100.00 - $15.00 We analyze the collected balances you keep with us and give you earnings credit for the money you have on deposit.  This credit may offset net service charge and per item fees that are incurred.
  • $.25 per debit
  • $.10 per Credit
  • $.07 per item in deposit
  • Cash Mgmt/ACH
  • $25 monthly
Business Class Checking $100.00 $1,500.00 $10.00 Transaction fees: First 200 items per statement cycle are free.
$.50 charge for each additional item in excess of 200 per statement cycle.

NOW

NOW
  Min Opening Deposit Min. Daily Balance to Avoid Net Service Charge Monthly Net Service Charge Min. Daily Balance to obtain APY Transactions Additional Features
Synergy One $100.00 $500.00 $10.00 $2,500.00    
Synergy Select* $15,000.00 $15,000.00** $15.00 $15,000.00   Free standard Synergy Select Checks (see bank for details)

*Corporations, Partnerships, LLP or LLC are not eligible for a Business NOW Account or a Synergy Select Account.

**Minimum Daily Balance to Avoid Net Service Charge calculated using the average daily account balance for the statement cycle.

^Min Balance = Minimum daily balance to avoid net service charge.
**Min Accrue = Minimum daily balance to accrue interest.

***(APY) Annual Percentage Yield.

Savings

Savings
  Min Opening Deposit Min. Daily Balance to Avoid Net Service Charge Monthly Net Service Charge Min. Daily Balance to obtain APY Transactions Additional Features
Personal Savings $100.00 $250.00 $5.00 $250.00 Withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer or by check, draft, debit card or similar order to a third party are limited to 6 per month. Each transaction in excess of these limitations will be assessed a fee of $3.00.  
Synergy Student Saver $1.00 $25.00 $10.00 Quarterly $1.00 Withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer or by check, draft, debit card or similar order to a third party are limited to 6 per month. Each transaction in excess of these limitations will be assessed a fee of $3.00. Designed for children under the age of 18.
Business Savings $100.00 $250.00 $10.00 $250.00 Withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer or by check, draft, debit card or similar order to a third party are limited to 6 per month. Each transaction in excess of these limitations will be assessed a fee of $3.00.  

^Min Balance = Minimum daily balance to avoid net service charge.
**Min Accrue = Minimum daily balance to accrue interest.

*(APY) Annual Percentage Yield

Money Market

Money Market
  Min to open account Min. Daily Balance to Avoid Net Service Charge Monthly Net Service Charge Min. Daily Balance to obtain APY Transactions
Personal Money Market $2,500.00 $2,500.00 $12.00 $2,500.00 Withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer or by check, draft, debit card or similar order to a third party are limited to 6 per statement cycle. Each transaction in excess of these limitations will be assessed a fee of $10.00.
Personal Cash Advantage $2,500.00 $2,500.00 $12.50 $2,500.00 Withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer or by check, draft, debit card or similar order to a third party are limited to 6 per statement cycle. Each transaction in excess of these limitations will be assessed a fee of $10.00.
Business Cash Advantage $2,500.00 $2,500.00 $12.00 $2,500.00 Withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer or by check, draft, debit card or similar order to a third party are limited to 6 per statement cycle. Each transaction in excess of these limitations will be assessed a fee of $10.00.

^Min Balance = Minimum daily balance to avoid net service charge.
**Min Accrue = Minimum daily balance to accrue interest.

*(APY) Annual Percentage Yield

Other Deposit Services

Other Deposit Services
Services Features
Online Banking Simplify Your Life with Synergy's FREE Online Banking. Online Banking allows you to review your balances, transfer funds into other Synergy accounts, see who you wrote the check to that you didn't record in your register, and much more. Not quite sure? Click here to try a DEMO
Remote Deposit Capture Save time and money by remotely depositing your checks without leaving your office! Benefits include low rate and no contract. Visit your local banking center today to get set up!
Mobile Banking App Download our Synergy Bank App for secure banking 24/7. Manage your money anytime and anywhere. Available for all Apple and Android devices.
Consumer Bill Payment Tired of writing out all those checks to pay bills each month? Synergy Bank can help you with our Free Bill Pay Service. In just 4 easy steps you can pay a bill and never have to purchase stamps again! It's easy to apply, Click here for Bill Payment Enrollment Details.
Business Bill Payment Simplify paying bills for your business by enrolling in our Business Bill Payment service.  Click here for an enrollment form.
Imaged Statements No more bulky checks returned in your statement. Several to a page. Amount is boldly printed under each item. Imaged items are acceptable by the IRS and in courts of law.
VISA Check Card Works like an ATM card and a check card anywhere VISA is accepted. Access your cash free at all ATM machines, make purchases, transfer funds and check your balance 24 hours a day.  Click Here for an application that you can return to your nearest Synergy Bank location.
American Express/VISA Credit Card A credit card with a competitive rate for both personal and business customers. Click here to apply
Safe Deposit Services Contact your local Banking Center regarding availability and pricing of Safe Deposit Boxes.
Drive-thru Banking Teller services available from the convenience of your automobile. Convenient hours.
Telephone Banking Perform banking by telephone, 24 hours a day, 7 days a week. With a touchtone phone keep your checkbook in balance, make loan payments, and transfer between accounts. Call (254) 399-0042 or (866) 681-5678.
MasterCard/VISA Merchant Program A very cost efficient way to collect credit card payments. Competitive discount rate and per item fees are some of the lowest around.
ACH Origination Send out and collect monthly bills/invoices and make payments. Available to businesses, non-profit corporations, churches, and organizations of all kinds.
VISA Business Debit Card A valuable tool for your business. Click here and print an application today.