Bounty
Worth it?

Synovus Plus Checking bonus: is $450 worth it?

What it adds over what your cash earns now, tier by tier. Change the rate to yours.

+$449: more than leaving it at 4.15%

With $100 for 90 days, the tier that adds the most.

With the bonus1825%
Leave it where it is4.15%

Yearly rate on $100 while it's there, bonus included.

Every tier

A smaller tier often wins: less cash away from what it earns now.

  • $100
    $150 bonus · 90 days
    +$149
  • $100Best for you
    $450 bonus · 90 days
    +$449

The math

Compared with leaving $100 at 4.15%

Bonus
+$450
Interest while it's there
No interest assumed
$0
What it'd earn at home
$100 at 4.15% for 3 mo
−$1
Extra
+$449
Works out to 1825% a year on that cash, vs 4.15% at home.

Deposit $100 in new money · Get $1,000 in direct deposits within 60 days. Terms checked Oct 10, 2026.

See every bonus ranked like this for you

About this bonus

What it takes

  1. 1Deposit $100 in new money
  2. 2Get $1,000 in direct deposits within 60 days
Ends
Dec 31, 2026
Where
5 states: AL, FL, GA, SC, TN
Monthly fee
None
Closing early
$25 within 90 days
Cash stays
About 90 days
Bonus paid
Usually within 30 days of finishing
Terms checked Oct 10, 2026The bank's offer pageFound via Doctor of Credit

Similar bonuses

The same kind of account, ranked by what each adds at 4.15%.

Questions

Is the Synovus Plus Checking bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $100 tier adds +$449: the $450 bonus, minus the $1 that cash would have earned in 90 days. The $100 tier adds +$149. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Deposit $100 in new money; get $1,000 in direct deposits within 60 days. Open to residents of AL, FL, GA, SC, TN.

When does it end?

The offer ends Dec 31, 2026. The terms were last checked Oct 10, 2026.