Personal Checking

You have your choice of checking accounts with convenient features that fit your money management style. No matter what account you choose, all of our personal checking solutions come with easy online, mobile and electronic access, around the clock.

  • Online Banking and Bill Pay

  • Mobile Banking

  • Mobile Deposit

  • ATM access

MAKE THE MOST OF YOUR MONEY

FREE
CHECKING

Learn More

Find A Branch

Minimum Opening
Deposit

$100 in branch

Monthly Account
Price

$0

Earns Interest5

Multiply on SoftBank 2014

Checks

Checks available for purchase.

Key Benefits

- Visa Debit Card1
Online Banking
E-statements
Bill Pay
Mobile Banking
Personal Finance Management
Zelle®

Senior Benefits
(age 62 & over )

N/A

Additional
Benefits

N/A

Find A Branch

AMENITY
CHECKING

Learn More

Open Now

Minimum Opening
Deposit

$100

Monthly Account
Price

$8 or $6 when enrolled in
e-statements.

Earns Interest5

Multiply on SoftBank 2014

Checks

Checks available for purchase.

Key Benefits

- Visa Debit Card1
Online Banking
E-statements
Bill Pay
Mobile Banking
Personal Finance Management
Zelle®

Senior Benefits
(age 62 & over )

Receive no-cost Ameris Bank
standard wallet-style checks.

Other check styles are available
for purchase

Additional
Benefits

Cell phone protection3—receive
up to $400 of replacement or
repair cost for damaged or
stolen phones.

ID Protect® identity theft
monitoring and resolution
service2 – up to $10,000 in ID
theft reimbursement.3

Credit file monitoringand alerts
of key changes with Equifax,
Experian and TransUnion.

Ability to request 3-in-1 report
every 90 days or upon receipt
of credit alert.

Open Now

ADVANTAGE
CHECKING

Learn More

Open Now

Minimum Opening
Deposit

$1,000 

Monthly Account
Price

$20 or $0 when the combined
total of all related Ameris Bank
current personal loan balances
and average daily balances
(during the statement cycle)
within personal deposit accounts
is $25,000 or greater

Earns Interest5

 

Checks

No cost for Ameris Bank
standard wallet-style checks.

Other check styles are available
for purchase

Key Benefits

- Visa Debit Card
Online Banking
E-statements
Bill Pay
Mobile Banking
Personal Finance Management
Zelle®

Senior Benefits
(age 62 & over )

Receive a 25% discount on
the monthly account price,
if assessed.

Additional
Benefits

No cost for safe deposit box,
when available.

No cost for all incoming
domestic wires.

No charge for purchase of
official checks.

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.

Access to any ATM
nationwide, with all ATM
fees reimbursed.

Increase daily limit to $5,000
for debit card signature
point-of-sale transactions,
at your request.

Open Now

FREE
CHECKING

Learn More

Find A Branch

AMENITY
CHECKING

Learn More

Open Now

ADVANTAGE
CHECKING

Learn More

Open Now

Minimum Opening
Deposit

$100 in branch

$100

$1,000 

Monthly Account
Price

$0

$8 or $6 when enrolled in
e-statements.

$20 or $0 when the combined
total of all related Ameris Bank
current personal loan balances
and average daily balances
(during the statement cycle)
within personal deposit accounts
is $25,000 or greater

Earns Interest5

Multiply on SoftBank 2014

Multiply on SoftBank 2014

 

Checks

Checks available for purchase.

Checks available for purchase.

No cost for Ameris Bank
standard wallet-style checks.

Other check styles are available
for purchase

Key Benefits

- Visa Debit Card1
Online Banking
E-statements
Bill Pay
Mobile Banking
Personal Finance Management
Zelle®

- Visa Debit Card1
Online Banking
E-statements
Bill Pay
Mobile Banking
Personal Finance Management
Zelle®

- Visa Debit Card
Online Banking
E-statements
Bill Pay
Mobile Banking
Personal Finance Management
Zelle®

Senior Benefits
(age 62 & over )

N/A

Receive no-cost Ameris Bank
standard wallet-style checks.

Other check styles are available
for purchase

Receive a 25% discount on
the monthly account price,
if assessed.

Additional
Benefits

N/A

Cell phone protection3—receive
up to $400 of replacement or
repair cost for damaged or
stolen phones.

ID Protect® identity theft
monitoring and resolution
service2 – up to $10,000 in ID
theft reimbursement.3

Credit file monitoringand alerts
of key changes with Equifax,
Experian and TransUnion.

Ability to request 3-in-1 report
every 90 days or upon receipt
of credit alert.

No cost for safe deposit box,
when available.

No cost for all incoming
domestic wires.

No charge for purchase of
official checks.

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.

Access to any ATM
nationwide, with all ATM
fees reimbursed.

Increase daily limit to $5,000
for debit card signature
point-of-sale transactions,
at your request.

Find A Branch

Open Now

Open Now

Amenity Checking

Go beyond the ordinary with ID theft security, cell phone protection and more!

Learn Moreabout Amenity Checking Open an Account
Advantage Checking

A premium account where you can earn interest while receiving high-value upgrades.

Learn Moreabout Advantage Checking Open an Account
Free Checking

The best things in life are free! Enjoy checking with no monthly account price.

Learn Moreabout Free Checking Find A Branch

FREE
CHECKING

Learn More

Find A Branch

Minimum Opening
Deposit

$100 in branch

Monthly Account
Price

$0

Earns Interest5

Multiply on SoftBank 2014

Checks

Checks available for purchase.

Key Benefits

- Visa Debit Card1
Online Banking
E-statements
Bill Pay
Mobile Banking
Personal Finance Management
Zelle®

Senior Benefits
(age 62 & over )

N/A

Additional
Benefits

N/A

Find A Branch

AMENITY
CHECKING

Learn More

Open Now

Minimum Opening
Deposit

$100

Monthly Account
Price

$8 or $6 when enrolled in
e-statements.

Earns Interest5

Multiply on SoftBank 2014

Checks

Checks available for purchase.

Key Benefits

- Visa Debit Card1
Online Banking
E-statements
Bill Pay
Mobile Banking
Personal Finance Management
Zelle®

Senior Benefits
(age 62 & over )

Receive no-cost Ameris Bank
standard wallet-style checks.

Other check styles are available
for purchase

Additional
Benefits

Cell phone protection3—receive
up to $400 of replacement or
repair cost for damaged or
stolen phones.

ID Protect® identity theft
monitoring and resolution
service2 – up to $10,000 in ID
theft reimbursement.3

Credit file monitoringand alerts
of key changes with Equifax,
Experian and TransUnion.

Ability to request 3-in-1 report
every 90 days or upon receipt
of credit alert.

Open Now

ADVANTAGE
CHECKING

Learn More

Open Now

Minimum Opening
Deposit

$1,000 

Monthly Account
Price

$20 or $0 when the combined
total of all related Ameris Bank
current personal loan balances
and average daily balances
(during the statement cycle)
within personal deposit accounts
is $25,000 or greater

Earns Interest5

 

Checks

No cost for Ameris Bank
standard wallet-style checks.

Other check styles are available
for purchase

Key Benefits

- Visa Debit Card
Online Banking
E-statements
Bill Pay
Mobile Banking
Personal Finance Management
Zelle®

Senior Benefits
(age 62 & over )

Receive a 25% discount on
the monthly account price,
if assessed.

Additional
Benefits

No cost for safe deposit box,
when available.

No cost for all incoming
domestic wires.

No charge for purchase of
official checks.

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.

Access to any ATM
nationwide, with all ATM
fees reimbursed.

Increase daily limit to $5,000
for debit card signature
point-of-sale transactions,
at your request.

Open Now

FREE
CHECKING

Learn More

Find A Branch

AMENITY
CHECKING

Learn More

Open Now

ADVANTAGE
CHECKING

Learn More

Open Now

Minimum Opening
Deposit

$100 in branch

$100

$1,000 

Monthly Account
Price

$0

$8 or $6 when enrolled in
e-statements.

$20 or $0 when the combined
total of all related Ameris Bank
current personal loan balances
and average daily balances
(during the statement cycle)
within personal deposit accounts
is $25,000 or greater

Earns Interest5

Multiply on SoftBank 2014

Multiply on SoftBank 2014

 

Checks

Checks available for purchase.

Checks available for purchase.

No cost for Ameris Bank
standard wallet-style checks.

Other check styles are available
for purchase

Key Benefits

- Visa Debit Card1
Online Banking
E-statements
Bill Pay
Mobile Banking
Personal Finance Management
Zelle®

- Visa Debit Card1
Online Banking
E-statements
Bill Pay
Mobile Banking
Personal Finance Management
Zelle®

- Visa Debit Card
Online Banking
E-statements
Bill Pay
Mobile Banking
Personal Finance Management
Zelle®

Senior Benefits
(age 62 & over )

N/A

Receive no-cost Ameris Bank
standard wallet-style checks.

Other check styles are available
for purchase

Receive a 25% discount on
the monthly account price,
if assessed.

Additional
Benefits

N/A

Cell phone protection3—receive
up to $400 of replacement or
repair cost for damaged or
stolen phones.

ID Protect® identity theft
monitoring and resolution
service2 – up to $10,000 in ID
theft reimbursement.3

Credit file monitoringand alerts
of key changes with Equifax,
Experian and TransUnion.

Ability to request 3-in-1 report
every 90 days or upon receipt
of credit alert.

No cost for safe deposit box,
when available.

No cost for all incoming
domestic wires.

No charge for purchase of
official checks.

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.

Access to any ATM
nationwide, with all ATM
fees reimbursed.

Increase daily limit to $5,000
for debit card signature
point-of-sale transactions,
at your request.

Find A Branch

Open Now

Open Now

Amenity Checking

Go beyond the ordinary with ID theft security, cell phone protection and more!

Learn Moreabout Amenity Checking Open an Account
Advantage Checking

A premium account where you can earn interest while receiving high-value upgrades.

Learn Moreabout Advantage Checking Open an Account
Free Checking

The best things in life are free! Enjoy checking with no monthly account price.

Learn Moreabout Free Checking Find A Branch

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 $2 service charge in addition to any ATM service charge assessed by the owner of the ATM.

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. Some of the benefits with IDProtect require registration and activation.

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 Amenity Checking Account)

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

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

Ameris Bank is a full-service financial institution serving customers in the Southeast and Mid-Atlantic, with locations in Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee and Virginia.