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Know the fine print

A good relationship is based on trust, which includes full disclosure and understanding of the fine print. We’re committed to offering this in every interaction that we have with you. While we know that legalese isn’t always easy to sift through, we want to make it easy for you to access important documents and agreements at your convenience.

Direct Services Agreement

It’s easy to feel lost when reading legal jargon, but that sea of words is usually a binding agreement put in place to protect you and us, and to make you aware of your responsibilities. This is the nature of our Direct Services Agreement (DSA). It outlines what we do and what you need to do to keep your accounts and information safe when using a computer, telephone, mobile phone, wearable technology or ATM to access your Synergy accounts.

In our DSA, we refer to these electronic options as Access Terminals. When you use any of them to access your Synergy accounts, you’re interacting with our Direct Services. The agreement we make around these interactions is our DSA, a detailed contract that we both promise to follow when you use these services for your Synergy accounts.

The terms of our DSA with you are comprehensive. They establish expectations for compliance with our security measures. They also address crucial matters such as how your personal information is used and protected, how fees are structured and what we’re both expected to do to authorize access, prove your identity and safeguard you from fraudulent activity. This DSA also makes clear who is responsible in the unlikely event of unauthorized transactions on your account and when you use the services of our third party providers. While the language in this agreement is a bit dry, understanding its message and contents is essential.

As this is an agreement about electronic services, our DSA will be updated as technologies evolve. We’ll always alert you to these changes, but it’s important to understand that you agree to those changes if you use our Direct Services after the effective change date.

If any of this fine print doesn’t make sense to you, we’re here to clarify it for you in everyday language. If you have any questions about our DSA, connect with us. We’re happy to help.



The Synergy Digital Banking Guarantee is simple: as long as you can demonstrate that you’ve met your responsibilities to us around keeping your accounts and information secure, we will fully reimburse you for any unauthorized transactions on your Synergy accounts and you’ll be repaid for any money lost due to online fraud.

If unauthorized transactions on your Synergy accounts occur due to an error on your part, we will still do our best to assist and help you minimize loss as much as possible.

If you feel that your Synergy accounts have been compromised by cybercriminals, contact us immediately.


When you opened and started using your personal or business account at Synergy, you accepted its Terms and Conditions. It’s good to review who is responsible for what in this agreement.


Our Market Code is about living by a promise to consistently follow best practices for soliciting, promoting, advertising, marketing, selling or distributing our products or services.


In our promise to be transparent, here is the fine print, in not so fine print of the disclaimers with our third party suppliers and partners.
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