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  • Account Payable Solutions

    Manage business expenses with secure, streamlined payment solutions.

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    Streamline collections and improve cash flow with secure solutions.

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    Protect your business with advanced tools to detect and prevent fraud.

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    Core tools to manage cash flow and optimize liquidity.

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    Protect your accounts with advanced check and ACH fraud prevention.

ACH Payment Services
Effortless payments

Send payroll, vendor payments, or customer refunds securely and efficiently.

Checking & Savings
Business Essential Checking
Checking that works as hard as you do

No minimum balance, 300 free items, and easy mobile banking. 

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Free Checking
One less thing on your to-do list

Free checking with no fees and instant digital access - simple banking for busy families.

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Saving for life's big moments

Grow your money for future wedding plans, college expenses or home updates.

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Experts who get business

Guiding you through every step from application to closing with fast approvals and tailored support.

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Fuel your next chapter

Flexible financing to invest in equipment, locations, or working capital tailored for your business goals.

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    Money management right from your home.

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    Your digital branch right in your pocket.

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    Move money between accounts, between banks or to people you trust.

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    Monitor accounts with personalized email and mobile app notifications.

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    Safeguard your debit card from your mobile device.

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    Easily and securely send money to family and friends.

Card Controls
Stay in charge of every swipe

Easily track transactions, pause spending, or limit expenses - all from your device.

Home Loans
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Make your dream home a reality

Understand what happens, when it happens, and what you need along the way.

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  • OneCard

    Simplify expense management, improve cash flow, and keep personal and business finances separate.

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Home Equity Loans & Lines of Credit
Your home holds the key

You've got dreams, and we've got a way to help you get there.

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  • At-Work Banking

    Convenient banking benefits for employees at your workplace.

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Take care of business

Meet your business goals with tools and tips from Ameris Bank.

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    Tailored for student life and your unique needs.

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Meet your business goals

Tap into our financial tools and resources to give your business an edge.

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Starting a Family
Your family's financial future

At Ameris, we focus on your finances so you can focus on your family.

Financial Freedom
Starts with a HELOC.

Turn your home equity into achievable dreams with a Home Equity Line of Credit. We’ll cover your closing costs up to $2,0001.

The Many Benefits of a HELOC

Are you looking for a flexible and affordable way to finance your biggest goals? A Home Equity Line of Credit (HELOC) empowers you to tap into your home's value, providing a revolving line of credit that you can access as needed. Say goodbye to high-interest debt and hello to making your dreams a reality.*

Zero Upfront Costs

Get started without the burden of an origination fee. Plus, Ameris Bank will pay your closing costs up to $2,0001 —keeping more of your equity in your pocket.

Borrow Only What You Need

Unlike a lump-sum loan, our revolving line of credit lets you draw funds as needed. You only pay interest on the amount you actually use.

Convenience in Your Wallet

Access your funds instantly with the Ameris Bank HELOC Visa® Card. Whether you're at a home improvement store or paying a contractor online, your equity is as accessible as a debit card.

Lower Your Monthly Payments

Take advantage of competitive interest rates and our Interest-Only Payment Option during the draw period to maximize your monthly cash flow.

Local Expertise, Personal Service

Our HELOCs are managed by bankers in your community. We’ll help you navigate the process in-branch to ensure you get a credit line tailored to your specific goals.

Potential Tax Advantages

Your interest payments may be tax-deductible when used for home improvements. (Consult your tax advisor for details.)

How to Access Your HELOC Funds  

Accessing your funds is simple and convenient, giving you control over your money whenever you need it:

  • Ameris Bank HELOC Card: Your HELOC card acts like a debit card, allowing you to make purchases at retail stores, online, or over the phone wherever VISA® cards are accepted. It's quick access, right in your wallet. 
  • Online Fund Transfers: Easily transfer funds from your HELOC directly to your Ameris Bank checking or savings accounts at any time through Ameris Bank Personal Online Banking. 
  • Credit Line Checks: Use the pre-printed checks we supply to you, just like a regular checking account. 
  • In-Person Request: Prefer face-to-face service? Simply request a credit advance at any of our convenient banking locations. 
  • Overdraft Protection: Set up your HELOC to automatically transfer funds to cover overdrafts in a linked deposit account, providing an extra layer of financial security. 

*All loans are subject to credit approval. 


Ameris Bank provides various home lending and equity solutions to customers in the Southeast and Mid-Atlantic. Visit a location in Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee and Virginia.


1 The borrower is responsible for closing cost over $2000. Customary closing cost include third-party fees for property appraisal, attorney/title, credit reports, flood determination, recording and mortgages taxes. These costs generally range between $950 and $2,150. Property insurance is not a closing cost. Acceptable collateral: Owner-occupied, single family primary residence (mobile, manufactured, modular, and “tiny” homes are not permitted). Additionally, homes currently listed for sale, intended to be listed or sold, or have been for sale in the past 90 days are not eligible. Borrowers who close their credit line within the first three years are subject to a $500 early closure fee. Other terms and conditions may apply. Ameris pays up to $2000 in origination fees, remaining fees are paid by the applicant in cash or as a first HELOC advance. Consult your tax advisor regarding the deductibility of interest and charges.