Synovus accounts and branches are due to convert to Pinnacle in the first half of 2027, according to the bank’s merger questions-and-answers page. Pinnacle says it expects system conversions in that window, “likely around the beginning of the second quarter,” and that Synovus offices will be rebranded as Pinnacle at the same time. No exact date has been announced.
Until the switch, nothing changes. Pinnacle’s FAQ page says “there are no changes to your accounts or the products and services available to you,” and that work continues behind the scenes with little to no disruption through 2026.
For a Synovus customer, the question is what to line up before the conversion. The page says accounts will convert “at some point in the future,” and that it is “still too early to tell exactly what will change,” listing account numbers, mobile apps and product names as the open items.
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What is known about timing
Pinnacle’s page states the timing twice, in nearly the same words. One answer says “we expect system conversions to take place in the first half of 2027.” Another, on next steps, says that in the first half of 2027 the bank “will convert systems and branding.”
The first half of 2027 runs from January through June, and Pinnacle narrows it only to “likely around the beginning of the second quarter,” which is April. The page does not give a weekend, a branch-by-branch schedule or a date for online banking. Customers should treat the timing as a window, not an appointment.
The same page names the result: the combined company will be called Pinnacle Financial Partners, with the holding company headquartered in Atlanta and Pinnacle Bank in Nashville, Tennessee.
What may change for accounts
Pinnacle says digital banking systems will convert and that it is too early to know what changes. The page names account numbers, mobile apps and product names as unsettled. It does not address routing numbers, debit cards, checks or direct deposit, so those are questions for the bank rather than assumptions.
A customer with automatic bill payments or a pension and Social Security deposit tied to a Synovus account can list those now. A written list of every payment that leaves the account, and every deposit that arrives, makes a conversion weekend much less stressful.
Branches and ATMs in the meantime
Pinnacle describes the two footprints as “highly complementary” with “limited location overlap,” and says it expects closures to be minimal. Until the conversion, Synovus offices cannot process transactions for Pinnacle accounts, and Pinnacle offices cannot process transactions for Synovus accounts.
Pinnacle clients already have immediate access to withdraw cash and check balances at Synovus ATMs at no charge. After the rebranding, the Synovus name is expected to disappear from the signs of those offices.
Bank mergers bring scam calls
Pinnacle’s page warns that neither Pinnacle nor Synovus will call, email or text to ask for personal information, login credentials or computer access. Customers can reach Pinnacle’s Client Service Center at 1-800-264-3613 with questions or to report suspicious contact.
The bank says it communicates by phone, email and U.S. mail. A message about the conversion that arrives any other way, or that asks for a password, is a reason to hang up and call that number instead.
What Synovus customers should expect to hear
The FAQ asks customers to keep their contact information current through its contact-us link so they receive key information. The open question for 2027 is which of the unsettled items, account numbers, apps or product names, will change first, and the bank has not said when. Pinnacle and Synovus say they reach customers by phone, email and U.S. mail.
Planning the household budget around the Synovus switch in 2027?
A bank conversion lands on top of every other cost in a fixed-income budget. Account numbers, apps and product names are still undecided, and a household that is busy sorting out a bank change can overlook a benefit program with an income limit.
The Benefits Checklist is about household costs, not bank conversions, and the turn is plain: from one bank change to the programs that cut everyday bills. It scans 11 benefit programs retirees often miss, shows the 2026 income limits, and includes a 50-state phone directory. A printable tracker comes with the download.
Check the 11 benefit programs in The Benefits Checklist before the Synovus switch →
More Financial Reading
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- 15 Places to Find Your Share of the $4.25 Billion States Give Back
- 15 Ways Out of 22% Credit Card Interest
This article was produced with AI assistance and edited for accuracy against the sources linked above.
