Mobile Banking


FAQs

1. I don't know my mobile/online banking User ID. What do I do?
Synovus Mobile Banking requires your Synovus Online Banking User ID, password and security questions and answers for login. You can retrieve your User ID here. You will be asked to accept the disclosures and, for your security, provide some personal information including Social Security Number and your primary account number. Once completed, your User ID will display on the screen.


2. I don't know my mobile/online banking password. What do I do?
Your password can be reset by clicking on the Forgot Password link on your banking division's home page.


3. I don't know my security questions and answers. What do I do?
Your security questions and answers can be reset in the Self Service section of Synovus Online Banking. 

4. Why isn't my Synovus Online Banking password working for Synovus Mobile Banking?
Special character limitations have changed as part of the launch of our newest applications, and the password you use for Synovus Online Banking may not meet new requirements. Acceptable special characters are: ! @ # $ * ( ) _ - { } \ : ; ? , /. If your password contains a special character not listed, you can reset it here. Once you have changed your password, the same password will work for online and mobile banking.

5. Who can I contact for help with Synovus Mobile Banking?
Please call Customer Care at 1-888-SYNOVUS (1-888-796-6887) or email info@synovusonlinebanking.com.


6. What is mobile banking?
Synovus Mobile Banking provides easy, quick and secure banking access via your mobile device. You can:
Make deposits1

  • Pay People2
  • Pay bills (including E-bills)3
  • Transfer4 funds between your accounts with us
  • Check account balances
  • Find branches and ATMs across the Southeast


7. Can I pay bills through Synovus Mobile Banking?
Yes, you can make a payment to any biller or E-bill you've previously set up through Bill Pay in Synovus Online Banking. You are able to pay bills and companies, pay E-bills, delete or edit payments, and see reminders of E-bills through Synovus Mobile Banking.


8. What does it cost?
We do not charge for our mobile banking service. Message and data rates may apply - check with your mobile carrier for details.


9. How do I enroll?
You must be enrolled in Synovus Online Banking to use Synovus Mobile Banking.

  • iPhone®, iPad® and Android users can download the Synovus Mobile Banking app from their respective stores. Just search for Synovus Mobile Banking. Use your Synovus Online Banking User ID and password to log in. You may be asked a security question – this is based on your Synovus Online Banking security questions and answers. To complete your enrollment, you must accept the Terms and Conditions.
  • Mobile Web Banking users can go to m.synovus.com/mobile. Use your Synovus Online Banking User ID and password to log in. You may be asked a security question – this is based on your Synovus Online Banking security questions and answers. To complete your enrollment, you must accept the Terms and Conditions.
  • Text Banking requires enrollment through the Mobile tab in Synovus Online Banking5. Message and data rates may apply.

To make payments through Synovus Mobile Banking, you must register for the Bill Pay service and/or Pay People service through Synovus Online Banking.


10. How do I find the app in the App Store or Google Play?
Search for “Synovus Mobile Banking.” Our app icon is red with the Synovus logo in white.


11. Are there any requirements to use Synovus Mobile Banking?
Requirements are based on your chosen method to access Synovus Mobile Banking.

iPhone and iPad app: Apple iOS 5.0 and higher are supported

Android app: Android OS v2.2 and higher

Mobile Deposits: Requires a camera with at least two megapixels in resolution. Third generation iPad and newer required for Mobile Deposits through the iPad app. Mobile Deposits are not available for Mobile Web Banking users.

View a list of supported devices.


12. Is Mobile Banking safe?
Mobile Banking uses multiple layers of security to protect your personal information, including multi-factor authentication and encryption of offline storage. All data placed into local storage on the cell phone is first encrypted. This ensures that if the mobile device is lost or stolen, the data stored locally for the Mobile Banking application is unreadable.


13. Can someone intercept my Mobile Banking transactions?
No. Your information is protected with 128-bit SSL encryption as it travels from your cell phone to the bank. The 128-bit SSL encryption technology is the same encryption used to protect Internet traffic for secure web applications. By encrypting your information, we ensure that it is unreadable to outside parties.


14. Can Mobile Banking be accessed without a password?
Only the Instant Balances feature can be accessed without entering a password. You must enroll in Instant Balances and select Remember User ID for this feature to be turned on.


15. My phone has been stolen. How do I prevent someone from accessing my accounts?
If your phone has been lost or stolen, you can lock your device through Synovus Online Banking under Mobile Banking or call Customer Care at 1-888-SYNOVUS (1-888-796-6887).


16. How do I make a mobile deposit?
Get your check ready by endorsing the back with For Mobile Deposit Only. Go to the Deposits screen within the app. Select New Deposit. Choose the account to receive the deposit and enter an amount. Select continue. Take a picture of the front and back of your check. Be sure to take the picture in a well-lit area on a flat surface and capture all 4 corners of the check. On the Confirm screen, review your deposit details and select Deposit. Deposits may not be available for immediate withdrawal.


17. Are there any checks that are not eligible for mobile deposit?
 

a. foreign checks (meaning checks drawn on financial institutions that reside outside the United States or its territories or that otherwise do not clear through the Federal Reserve System)

b. any checks or items made payable to any person, company or party other than you

c. checks or items for business purposes (only checks for personal, household or family purposes may be deposited)

d. checks or items payable jointly unless deposited to an account in the name of all joint payees

e. checks or items containing an alteration on the front of the item, or which you know or suspect, or should have known or suspected, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn

f. checks or items written on an account owned by you or on which you are a signor

g. checks that are remotely created as defined by Reg. CC or which are not in original form or are substitute checks

h. checks or items that are drawn or otherwise issued by the U.S. Treasury

i. cashier’s checks, teller’s checks, money orders, or traveler’s checks

j. checks or items that are stale-dated or more than six (6) months old

k. checks or items that are post-dated or future-dated

l. checks or items not payable is U.S. currency

m. checks or items which have been previously deposited in any manner

n. checks or items not endorsed as required


18. The app won’t accept my check, but it meets the requirements above. What could be the problem?
Here are some tips on making sure your check is accepted:

  • Endorse your check with For Mobile Deposit Only.
  • The front image must clearly display the entire MICR line. The MICR line is the line at the bottom of your check that features your bank’s routing number and the account number. 
  • Make sure the check is not torn or crumpled,
  • Make sure the photograph captures the check within the 4 on-screen corners,
  • Place the check on a flat surface in a well-lit area to take the picture.
  • Make sure your pictures are not blurry.
  • Don’t forget to turn the check over! Make sure you capture the front and the back of your check.
  • Checks completed in blue or black ink with a traditional ballpoint or felt tip will be captured more easily than checks completed with markers, highlighters, and non-traditional ink colors.


19. What do I do with my deposited check?
Make a note on the front that indicates you made a mobile deposit and the date. Keep  the check for at least 30 days before destroying it.


20. Can I use Pay People through Synovus Mobile Banking?
Yes. However, you must enroll in Pay People through Synovus Online Banking prior to using this service through Synovus Mobile Banking. Once enrolled, you can send money and receive money through Pay People in Mobile Banking.


21. I sent money to someone who has used Pay People before. They received a text, but they can't see the payment when they go into Synovus Mobile Banking.
Sometimes, Pay People users have only validated an e-mail address or mobile number, not both. To see the payment, your recipient may need to login online and complete verification of his/her mobile number or email address, depending on which delivery method you selected.


22. I need to update one of my Pay People contacts. Can I do that through Synovus Mobile Banking?
No. You will need to login to Pay People through Synovus Online Banking to make changes to an existing Pay People contact.


23. Can I pay bills through Synovus Mobile Banking?
Yes. However, you must enroll in Bill Pay through Synovus Online Banking prior to using this service through Synovus Mobile Banking. Once enrolled, you can pay any billers or E-bills you’ve set up online, edit or delete payments, and view E-bill reminders.


24. How do I register for Instant Balances?
First, make sure you have turned on “Remember User ID” on the login screen. Then go, to the services menu and select Instant Balances. Select the account you wish to see in one click. Make sure you save your selections. The next time you log in, click on the wallet to see your balances.


IMPORTANT INFORMATION ABOUT SYNOVUS MOBILE BANKING

Please note: The Synovus Mobile Banking App is available for eligible consumer accounts and can be downloaded at no cost. Use of Mobile Banking requires your mobile service provider’s data and/or text plan.  Message and data rates may apply.  Minimum system requirements: Android OS v2.2 and higher or Apple iOS 5.0 and higher are supported.

1. Mobile Deposits: Limits apply for mobile deposits. Daily and monthly deposit amount limits apply and are described within the Mobile Banking Agreement. Deposits may not be available for immediate withdrawal. Your device must have a camera with at least a two megapixels in resolution. Third generation iPad and newer required for mobile deposit through the iPad app. Mobile deposits not available for Mobile Web Banking users.

2. Pay People: Individual, daily, and monthly payment limits apply and are described within the Pay People service in Synovus Online Banking. In addition, you must have at least $100 remaining in your account following any payment. Pay People payments sent through Synovus Mobile Banking to an email address must be less than $100 per payment.

3. Requires enrollment in Bill Pay service through Synovus Online Banking. Limits apply for the Bill Pay service and are described in the Synovus Online Banking Agreement. New billers must be added through Synovus Online Banking.

4. Account Transaction Limitations for Savings and Money Market Accounts — Savings and Money Market accounts may have no more than six (6) debit transactions per month or monthly statement cycle. A debit transaction is a check, debit/check card transaction, transfer, or pre-authorized transfer, including those made by phone or modem. Unlimited transactions are permitted if made by the customer in person, by mail, through an ATM or by phone if the check is mailed to the customer. If an account continually exceeds the allowed debit transactions, we may convert it to a checking account.

5. Message and data rates may apply. For help, text “HELP” to SNVBNK. To cancel, text “STOP” to SNVBNK at any time.

The service marks and trademarks used herein belong to their respective owners.

 


 

 

 

 

 

IMPORTANT INFORMATION ABOUT SYNOVUS MOBILE BANKING


Please note: The Synovus Mobile Banking App is available for eligible consumer accounts and can be downloaded at no cost. Use of Mobile Banking requires your mobile service provider’s data and/or text plan.  Message and data rates may apply.  Minimum system requirements: Android OS v2.2 and higher or Apple iOS 5.0 and higher are supported.

 


1 Mobile Deposits: Limits apply for mobile deposits. Daily and monthly deposit amount limits apply and are described within the Mobile Banking Agreement. Deposits may not be available for immediate withdrawal. Your device must have a camera with at least a two megapixels in resolution. Third generation iPad and newer required for mobile deposit through the iPad app. Mobile deposits not available for Mobile Web Banking users.

 

2 Pay People: Individual, daily, and monthly payment limits apply and are described within the Pay People service in Synovus Online Banking. In addition, you must have at least $100 remaining in your account following any payment. Pay People payments sent through Synovus Mobile Banking to an email address must be less than $100 per payment.

 

3 Requires enrollment in Bill Pay service through Synovus Online Banking. Limits apply for the Bill Pay service and are described in the Synovus Online Banking Agreement. New billers must be added through Synovus Online Banking.

 

4 Account Transaction Limitations for Savings and Money Market Accounts — Savings and Money Market accounts may have no more than six (6) debit transactions per month or monthly statement cycle. A debit transaction is a check, debit/check card transaction, transfer, or pre-authorized transfer, including those made by phone or modem. Unlimited transactions are permitted if made by the customer in person, by mail, through an ATM or by phone if the check is mailed to the customer. If an account continually exceeds the allowed debit transactions, we may convert it to a checking account.

 

5 Message and data rates may apply. For help, text “HELP” to SNVBNK. To cancel, text “STOP” to SNVBNK at any time.

 

The service marks and trademarks used herein belong to their respective owners.