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Personal Checking Accounts

We make banking personal. Tell us your goals, and we’ll help you choose the right checking accounts.

MAKE THE MOST OF YOUR MONEY

Compare Ameris Bank’s Checking Account options and select the one that best suits your needs.

Choose accounts to compare
free
checking*

Learn More

Open Online

Benefits
checking

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Open Online

INTEREST
checking

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Open Online

Minimum Opening Deposit

$50

$50

$50

Monthly Service Fee

$0

$8 monthly service fee or $6
monthly service fee when
enrolled in e-statements.

$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 greater.1

Earns Interest2

No

No

Yes

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 card3
Online banking
E-statements
Bill Pay
Mobile banking
Zelle®

- Visa debit card3
Online banking
E-statements
Bill Pay
Mobile banking
Zelle®

- Visa debit card
Online banking
E-statements
Bill Pay
Mobile banking
Zelle®

Senior Benefits
(age 62 & over)

N/A

Customers age 62 and over receive
no-cost Ameris Bank standard
wallet-style checks (other checks
styles available for purchase).

N/A

Additional Benefits

Up to $10 buy back of your debit cards 
and unused checks from another
financial institution4

Cell phone protection5— receive
up to $400 of replacement or
repair cost for damaged or
stolen phones. $50 deductible
applies. Up to  two claims per
twelve-month period.

ID Protect® identity theft
monitoring and resolution
service6 

Up to $10,000 in ID
theft reimbursement.5

Credit file monitoringand alerts
of key changes with Equifax,
Experian and TransUnion
(registration/activation required).

Ability to request 3-in-1
report every 90 days or
upon receipt of credit alert
(registration/activation required).

Up to $10 buy back of your debit cards 
and unused checks from another
financial institution4

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.

Up to $10 buy back of your debit cards 
and unused checks from another
financial institution4

Open Online

 

Open Online

 

Open Online

Free Checking*

The best things in life are free! Enjoy checking with no monthly service fee.

Learn Moreabout Free Checking* Open Online
Benefits Checking

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

Learn Moreabout Benefits Checking Open Online
Interest Checking

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

Learn Moreabout Interest Checking Open Online
Choose accounts to compare
free
checking*

Learn More

Open Online

Benefits
checking

Learn More

Open Online

INTEREST
checking

Learn More

Open Online

Minimum Opening Deposit

$50

$50

$50

Monthly Service Fee

$0

$8 monthly service fee or $6
monthly service fee when
enrolled in e-statements.

$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 greater.1

Earns Interest2

No

No

Yes

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 card3
Online banking
E-statements
Bill Pay
Mobile banking
Zelle®

- Visa debit card3
Online banking
E-statements
Bill Pay
Mobile banking
Zelle®

- Visa debit card
Online banking
E-statements
Bill Pay
Mobile banking
Zelle®

Senior Benefits
(age 62 & over)

N/A

Customers age 62 and over receive
no-cost Ameris Bank standard
wallet-style checks (other checks
styles available for purchase).

N/A

Additional Benefits

Up to $10 buy back of your debit cards 
and unused checks from another
financial institution4

Cell phone protection5— receive
up to $400 of replacement or
repair cost for damaged or
stolen phones. $50 deductible
applies. Up to  two claims per
twelve-month period.

ID Protect® identity theft
monitoring and resolution
service6 

Up to $10,000 in ID
theft reimbursement.5

Credit file monitoringand alerts
of key changes with Equifax,
Experian and TransUnion
(registration/activation required).

Ability to request 3-in-1
report every 90 days or
upon receipt of credit alert
(registration/activation required).

Up to $10 buy back of your debit cards 
and unused checks from another
financial institution4

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.

Up to $10 buy back of your debit cards 
and unused checks from another
financial institution4

Open Online

 

Open Online

 

Open Online

Free Checking*

The best things in life are free! Enjoy checking with no monthly service fee.

Learn Moreabout Free Checking* Open Online
Benefits Checking

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

Learn Moreabout Benefits Checking Open Online
Interest Checking

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

Learn Moreabout Interest Checking Open Online

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

1The monthly service fee will become effective after the first two statement cycles.

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

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.

4Offer 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.

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.


 

Ameris Bank offers a variety of competitive checking accounts. Open an account online or at one of our full-service locations in Alabama, Florida, Georgia, North Carolina and South Carolina.