Synovus Bank became part of Pinnacle Bank in January 2026. The combined company announced that Synovus Bank merged into Pinnacle Bank and that the surviving bank would continue serving customers through the Synovus brand during the transition.
This page retains the familiar Synovus name for readers researching older accounts and products. It should not be treated as proof that every card previously listed under Synovus is currently available.
What changed with Synovus?
Pinnacle and Synovus completed their banking combination in early January 2026. Pinnacle Bank is the surviving banking institution, with customer-facing Synovus branding continuing during the transition.
The official Synovus merger announcement explains the legal change. The company indicated a later brand conversion, so account holders should follow official communications about any service changes.
Do not assume an older credit card name, issuer disclosure, or application link remains unchanged after the merger.
Where to find your actual card terms
Read the cardholder agreement, current account notices, and issuer information shown on statements. A card displaying the Synovus name may be serviced under updated arrangements.
Account support and payment instructions should come from official materials. Do not send money to a new destination merely because a website says the bank has merged.
If you are applying for a new card, verify which bank is issuing it now and whether applications are open.
Compare credit card terms after a bank change
| Account item | What to check |
|---|---|
| Legal issuer | Current bank named in the agreement |
| APR | Current purchase and other borrowing rates |
| Fees | Annual, late, cash advance, and transfer charges |
| Rewards | Whether any program conditions have changed |
| Card acceptance | Payment network and digital wallet availability |
| Customer support | Current phone numbers and online access |
| Credit reporting | How account information is reported |
| Notices | Any changes to billing or servicing |
A merger does not itself guarantee that an individual’s APR, benefits, or credit limit has changed. Follow the issuer’s actual notices.
Bank deposits and credit cards have different protections
Eligible deposits at insured banks may be covered by FDIC insurance, subject to ownership categories and limits. Card debt is not an insured deposit. The consumer credit agreement controls borrowing and repayment.
If you hold checking or savings at the same surviving bank through formerly separate brands, the deposit insurance calculation may be affected by institution identity and transition rules. Verify your situation with the bank and FDIC guidance.
Do not assume that account names displayed in an app determine deposit ownership.
Before choosing a new card
Ask whether you already have a card that meets your needs. If the existing account has acceptable fees and credit terms, you may not need a new application simply because the bank’s brand is changing.
If you want a new account, compare pricing, eligibility, and rewards with other issuers. For cards intended to reduce borrowing costs, see low-interest credit cards.
Frequently asked questions
Is Synovus Bank still a separate surviving bank?
The companies announced that Synovus Bank merged into Pinnacle Bank in January 2026.
Will my existing card automatically close?
A merger announcement alone does not prove that. Follow current issuer notices.
Does a bank merger guarantee new credit terms?
No. Read account-specific changes and disclosures.
Can the Synovus brand still appear?
The combined company planned a transition while using both brands.
Should I update payment information without a notice?
Verify changes using official bank channels before acting.
Confirm present-day offers
Check the legal issuer, cardholder agreement, available products, APR, and support information before applying.