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Find Your Perfect Match
Take a quick and easy quiz to discover which Ameris Bank checking account is the ideal fit for your financial journey.
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Are you looking for value-added benefits and savings with your account?
To earn interest, will the combined total of all of your average daily balances in your personal deposit accounts be $10,000 or more?
Benefits Checking
A smart choice for worry-free living. Opt for a Benefits Checking account to add valuable protection features.
- $50 minimum opening deposit.
- IDProtect® identity theft monitoring and resolution service1.
- Credit file monitoring2 and alerts of key changes with Equifax, Experian, and TransUnion (registration/activation required).
- Up to $10,000 in identity theft expense reimbursement3.
- Receive up to $400 of replacement or repair cost for damaged or stolen phones3. ($50 deductible applies. Up to two claims per twelve month period.)
- Low $8 monthly service fee (or $6 with paperless statements).
Interest Checking
Interest Checking is best for those looking to grow their money and offers premium banking perks.
- $50 minimum opening deposit.
- Access to any ATM nationwide, with all ATM fees reimbursed.
- Increased daily limit to $5,000 for debit card signature point-of-sale transactions, at your request.
- 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.
- $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 greater4. ($18 with paperless statements)
- Earn interest on your account balance5.
Free Checking6
For anyone looking to enjoy the freedom of no-strings-attached banking.
- $50 minimum opening deposit.
- No minimum balance requirements or monthly service fee.
- Access to online, mobile and telephone banking, plus paperless statements and alerts.
- Visa® debit card7.
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.
1 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.
2 Credit file monitoring may take several days to begin following activation.
3 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)
4 The monthly service fee will become effective after the first two statement cycles.
5 If you close your account before interest is credited, you will not receive the accrued interest.
6 Other fees such as Overdraft Fees may apply. See the Miscellaneous Services Pricing Guide for details.
7 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.