Free Checking* Built for Student Life

Your money, your way. From campus coffee runs to weekend road trips, Ameris Bank’s Free Checking account keeps things simple—zero monthly fees and powerful digital tools so your money stays where it belongs: with you.

$0 monthly service fee 

$50 to open an account

24/7 online and mobile access1

Real-time account alerts

$0 minimum balance required 

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A checking account that keeps up with you.


College moves fast, and your money should too. Whether you’re splitting rent with roommates, getting paid from your campus job, or budgeting your way to spring break, Free Checking gives you everything you need. 
 
  • No monthly service fee or minimum balance required.
  • $50 minumum opening deposit. A low opening deposit that fits a student budget.
  • Send and split with Zelle®. Pay back your roommate for groceries or split the group dinner in seconds.
  • Visa® debit card included.2 Tap, swipe, or shop online and in-app—plus withdraw cash at thousands of ATMs.

 

Digital tools for life on the go


 

Deposit checks on the fly: Snap a picture of your check for convenient mobile deposit to your account.

Budget like a boss: Track your spending, set up automatic bill payments and reach your financial goals faster.

Pay with a tap: Add your Ameris Bank cards to Apple Pay or Google Pay for quick, secure contactless payments.

Control your card: Turn your debit card on or off, set spending limits, and get an alert every time it’s used—so a lost card at a party is no big deal. 
Stay in the know: Real-time alerts keep you updated on account activity, so you’re always in control and can spot fraud fast. 


Rated 4.7/5 for a seamless money-management experience. 

Master Your Finances (Without the Stress)

We’re here to help you navigate your money with zero guesswork. Get a head start on your financial future with tips made for student life.

Visit Our Blog
How To Budget
In College
Stay on track without sacrificing your social life.
Read MoreStay on track without sacrificing your social life.
Preparing for
College
Set up your finances before day one on campus.
Read MoreSet up your finances before day one on campus.
 
 

Fiercely Yours — On Campus and Beyond 

Ameris Bank has your back at every step of your financial journey. Start with an account that’s simple, free, and made for real student life. 
Open Your Free Checking Account
 

* Other fees such as Overdraft Fees may apply. See the Miscellaneous Services Pricing Guide for details.

1 Supported carriers include: AT&T, T-Mobile, U.S. Cellular, Sprint, Verizon Wireless, MetroPCS, and Cricket. Message and data rates may apply. Apple, the Apple logo, iPhone, iPad and App Store are trademarks of Apple Inc., registered in the U.S. and other countries. Android, the Android Logo and the Google Play Store logo are trademarks of Google Inc, registered in the U.S. and other countries.

2 ATM Usage: You may use an Ameris Bank debit card at any Ameris Bank ATM free of charge. If you use a non-Ameris Bank ATM, you will incur a service charge in addition to any ATM service charge assessed by the owner of the ATM. See our Miscellaneous Services Pricing Guide for details.