Need a new Checking Account? We've Got You Covered.

Ameris Bank offers personal checking accounts designed for you. Explore our options for convenient banking and simplify your finances.

Mobile Wallet

Visa Debit Card1

Account Alerts

Bill Pay

24/7 Anytime Access

Card Controls

Enjoy Convenient Features Across All Checking Accounts



All our checking accounts offer the convenience of online and mobile banking, a Visa® debit card1, and access to your accounts via phone. You can also enjoy the ease of e-statements and account alerts, plus we'll even help you switch from your old bank by buying back up to $10 in debit cards and unused checks2.
Enjoy no-strings-attached banking with a Free Checking3 account.

 

Perfect for:
  • Simple, straightforward banking: Experience hassle-free banking without the burden of hidden fees. Enjoy transparent financial management with our free checking. 
  • Convenient online and mobile banking (including mobile check deposit): Manage your money anytime, anywhere with our secure and user-friendly online and mobile banking platforms. Deposit checks with mobile check deposit, pay bills online, transfer funds, and track your account activity with ease. 
  • No-nonsense everyday banking: Get reliable and practical banking services designed for your daily financial needs. We offer essential tools and resources to simplify your banking experience, including easy account access, helpful customer support, and convenient branch locations. 
Benefits:
  • $50 minimum deposit to open an account.
  • Account alerts. 
  • Free online bill pay & Zelle®.
  • No minimum balance or monthly service fees.
Opt for a Benefits Checking account to add valuable protection features.

 

Perfect for:
  • Help protect your identity from thieves and scam artists: Offering vital protection for you, your family and your finances. Offers fraud protection services, credit monitoring, cell phone protection and much more.
  • Those who rely heavily on their cell phones: Includes cell phone protection4.
  • Enjoy easy and accessible banking with our online and mobile services: Manage your money anytime, anywhere.
Benefits:
  • $50 minimum deposit to open an account.
  • Receive up to $400 of replacement or repair cost for damaged or stolen phones. $50 deductible applies. Up to two claims per twelve month period4.
  • IDProtect® identity theft monitoring & resolution services5.
  • Credit file monitoring and alerts of key changes with Equifax, Experian, and TransUnion6 (registration/activation required).
  • Up to $10,000 identity theft expense reimbursement4.
  • Low $8 monthly service fee (or $6 with e-statements).
  • No minimum balance requirements on a Personal Savings when a quarterly $25 scheduled auto transfer is established and maintained from your Benefits Checking account7.
Interest Checking is best for those looking to grow their money and offers premium banking perks.

 

Perfect for:
  • Frequent ATM users: Nationwide ATM fee reimbursement makes this account attractive for those who frequently use ATMs outside of the Ameris Bank network.
  • Those who value convenient banking: Enjoy easy and accessible banking with our online and mobile services. Manage your money anytime, anywhere. 
  • Individuals who maintain higher balances: Experience exclusive perks.
Benefits:
  • $50 minimum deposit to open an account.
  • Earn interest8.
  • Access to any ATM nationwide, with all ATM fees reimbursed.
  • Option to increase your Ameris Bank CD rate to a posted rate from our current rate sheet once during the term of the CD at your request.
  • No charge for purchase of official checks.
  • $20 monthly service fee or $0 monthly service fee when the combined total of all personal deposit accounts average daily balances (during statement cycle) is $10,000 or greater9 ($18 with e-statements).
Enjoy no-strings-attached banking with a Free Checking3 account.

 

Perfect for:
  • Simple, straightforward banking: Experience hassle-free banking without the burden of hidden fees. Enjoy transparent financial management with our free checking. 
  • Convenient online and mobile banking (including mobile check deposit): Manage your money anytime, anywhere with our secure and user-friendly online and mobile banking platforms. Deposit checks with mobile check deposit, pay bills online, transfer funds, and track your account activity with ease. 
  • No-nonsense everyday banking: Get reliable and practical banking services designed for your daily financial needs. We offer essential tools and resources to simplify your banking experience, including easy account access, helpful customer support, and convenient branch locations. 
Benefits:
  • $50 minimum deposit to open an account.
  • Account alerts. 
  • Free online bill pay & Zelle®.
  • No minimum balance or monthly service fees.
Opt for a Benefits Checking account to add valuable protection features.

 

Perfect for:
  • Help protect your identity from thieves and scam artists: Offering vital protection for you, your family and your finances. Offers fraud protection services, credit monitoring, cell phone protection and much more.
  • Those who rely heavily on their cell phones: Includes cell phone protection4.
  • Enjoy easy and accessible banking with our online and mobile services: Manage your money anytime, anywhere.
Benefits:
  • $50 minimum deposit to open an account.
  • Receive up to $400 of replacement or repair cost for damaged or stolen phones. $50 deductible applies. Up to two claims per twelve month period4.
  • IDProtect® identity theft monitoring & resolution services5.
  • Credit file monitoring and alerts of key changes with Equifax, Experian, and TransUnion6 (registration/activation required).
  • Up to $10,000 identity theft expense reimbursement4.
  • Low $8 monthly service fee (or $6 with e-statements).
  • No minimum balance requirements on a Personal Savings when a quarterly $25 scheduled auto transfer is established and maintained from your Benefits Checking account7.
Interest Checking is best for those looking to grow their money and offers premium banking perks.

 

Perfect for:
  • Frequent ATM users: Nationwide ATM fee reimbursement makes this account attractive for those who frequently use ATMs outside of the Ameris Bank network.
  • Those who value convenient banking: Enjoy easy and accessible banking with our online and mobile services. Manage your money anytime, anywhere. 
  • Individuals who maintain higher balances: Experience exclusive perks.
Benefits:
  • $50 minimum deposit to open an account.
  • Earn interest8.
  • Access to any ATM nationwide, with all ATM fees reimbursed.
  • Option to increase your Ameris Bank CD rate to a posted rate from our current rate sheet once during the term of the CD at your request.
  • No charge for purchase of official checks.
  • $20 monthly service fee or $0 monthly service fee when the combined total of all personal deposit accounts average daily balances (during statement cycle) is $10,000 or greater9 ($18 with e-statements).
Your banking journey starts here.
Branches and ATMs

Visit us in person or at one of our many conveniently located branches and ATMs.

Search Our Locations
Ameris Bank Mobile App

Manage your spending and savings from the palm of your hand. Deposit checks, pay bills, and send money with ease.

Download the App
Telephone Banking

Check balance, deposits, and transfers with our 24/7 automated telephone banking.

Give Us a Call 866.616.6020
FDIC Insured

Keep your money protected. Checking and savings accounts are FDIC insured up to $250,000.

 

1 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.

Offer applies to new checking account openings only. Earn up to $10 for debit cards and unused checks from another financial institution. Funds will be credited to the account at the time the checks/debit cards are presented.

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

Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the insurance document. Guide to Benefit and insurance document will be included in follow-up letter after account opening. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the Bank or any Bank affiliate. Cell phone protection covers the first three phones on a cellular telephone bill paid through your checking account. (Cellular telephone bill must be paid through Benefits Checking Account) 

IDProtect service is a personal identity theft protection service available to account owner(s) and their joint account holders. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students.

Credit file monitoring may take several days to begin following activation.

The Personal Savings quarterly service fee is not assessed when the qualifying schedule transfer from the Benefits Checking account occurs.

If you close your account before interest is credited, you will not receive the accrued interest.

The monthly service fee will become effective after the first two statement cycles.

Ameris Bank is a full-service financial institution serving customers in the Southeast and Mid-Atlantic. We offer a variety of competitive deposit accounts and have locations in Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee and Virginia.