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Personal
Small Business
Commercial
Checking & Savings
Business Essential Checking
Checking that works as hard as you do

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

Treasury Services
  • Account Payable Solutions

    Manage business expenses with secure, streamlined payment solutions.

  • Receivables

    Streamline collections and improve cash flow with secure solutions.

  • Fraud Prevention

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

  • Treasury Essentials

    Core tools to manage cash flow and optimize liquidity.

  • Positive Pay

    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
Free Checking
One less thing on your to-do list

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

Savings
Money Market
Saving for life's big moments

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

Loans
SBA Lending Team
Experts who get business

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

Loans
Expansion Loans
Fuel your next chapter

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

Credit Cards
Popular for Small Businesses
Business Cash Preferred Card
Keep your business moving forward

Earn cash back on everyday business expenses and bonus categories, all with no annual fee.

Digital Banking
  • Online Banking

    Money management right from your home.

  • Mobile App

    Your digital branch right in your pocket.

  • Transfer Money

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

  • Custom Alerts

    Monitor accounts with personalized email and mobile app notifications.

  • Card Controls

    Safeguard your debit card from your mobile device.

  • Zelle

    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
Mortgage Journey
Make your dream home a reality

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

Commercial Card
  • OneCard

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

Payroll
  • Payroll Services

    Simplify payroll with secure, efficient processing solutions.

Credit Cards
Personal Loans
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.

Employee Benefits
  • At-Work Banking

    Convenient banking benefits for employees at your workplace.

Contact a Banker
  • Business Bankers

    A knowledgeable team prepared to help you achieve your business goals.

Popular for Commercial Businesses
Financial Education
Growing a Business
Take care of business

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

Specialty Banking
  • Premier Banking

    High-touch banking and specialized lending solutions for discerning clients.

  • Student Banking

    Tailored for student life and your unique needs.

Financial Education
Starting a Business
Meet your business goals

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

Financial Education
Starting a Family
Your family's financial future

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

Business Banking Bundle Offer*

Small business like your are crucial to our communities. We're proud to offer our special Business Banking Bundle* that offers services to save and make you money. As a valued customer, there's never been a better time for your business to partner with Ameris Bank.

What You Get with a Business Essential Checking Account

Tap into everything you need and nothing you don’t. Business Essential Checking lets you manage and access money anytime without slowing you down.

business-mobile-app-and-corporate-card
  • $50 to open the account
  • No minimum balance requirements
  • 300 free items1 each month, excluding Zelle®; $0.20 for each item over 300
  • Low $3 monthly service fee or $0 by enrolling in e-statements
  • 20% off your first order of business checking supplies
  • Online banking with customizable dashboard, online bill pay and email alerts
  • Mobile banking with bill pay and mobile check deposit
  • Automated telephone banking
  • Ameris Bank Visa® debit card2
  • $10 buy back of your debit cards and unused checks3 from another financial institution

Included in the Business Bundle

Now through September 30, 2026, when you open a new business checking account* at Ameris Bank, your company will be eligible for these great offers:

Special Clover Merchant Solutions Start-up Offer!4

Make processing payments easier with Clover! And now through June 30, 2026, receive a 90-day free trial of Essentials or Services Growth plan, and/ or a $450 rebate on select Clover systems when you purchase or lease hardware with a new account.

2.79% APY High-Yield Business Money Market Account5

Your money should work as hard as you do. Keep your reserves in a high-yield money market to maximize your savings.

Free Payee Positive Pay Fraud Prevention for 6 Months6

Don’t worry about stolen, altered or forged checks. Payee Positive Pay protects your organization's checking account from fraud by flagging suspicious checks for your review and lets you stop them before they hit your account.

Contact Us

Complete the form below to get more information from one our our specialists.

  
 
   By clicking “Submit,” you agree for Ameris Bank and its agents to send SMS messages or make telephone calls to the number(s) provided at any time for marketing purposes, including through the use of an automatic telephone dialing system and an artificial or prerecorded voice. Consent is not a condition of services. You acknowledge you have read and agree to the Privacy Policy. Text STOP to stop or HELP for more information. Message frequency may vary. Msg & Data rates may apply.

*For new business checking account customers only. Must open one of the following business checking accounts to qualify: Business Analysis Checking, Business Checking with Interest, Business Essential Checking. Public funds and IOLTA accounts are not eligible. The bundle offer is available from 7/1/26 - 9/30/26 and may change or be withdrawn at any time.

Items include any debits, credits, and deposited items, except for incoming and outgoing Zelle® transfers, and account service charges and maintenance fees. A separate per item fee may be assessed for Zelle® transfers. See Miscellaneous Services Pricing Guide for details. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 

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.

Offer applies to new checking account openings only. Earn $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.

4 Promotional offer valid from July 1, 2026, through September 30, 2026. This offer is available for qualified Ameris Bank clients who have not had a merchant services account processed by First Data Merchant Services LLC within six months. New accounts are subject to standard credit approval and underwriting requirements. Offer is valid for one $450 rebate for a Clover Flex, Flex Pocket, Mini, Station Solo or Duo point -of-sale hardware device purchase or lease. To be eligible for the rebate, the merchant must (1) be credit approved between 7/1/2026 and 9/3026; (2) sign a merchant processing agreement; and (3) activate account within 30 days from approval date. The $450 rebate will be initiated approximately 60 days after the account begins processing transactions. Early termination fees apply. Only one offer per eligible business tax ID. Eligibility is at the sole discretion of First Data Merchant Services LLC. Offer not valid with any other offer and subject to change without notice. © 2026 Clover Network, LLC. The Clover name and logo are registered trademarks owned by Clover Network, LLC and are registered or used in the U.S. and many foreign countries. Use of Clover requires a Merchant Processing Agreement. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.

The annual percentage yield (APY) of 2.79% for a High Yield Business Money Market is accurate as of 03/2/2026. Rates may change after account opening. New money only. Must open a qualifying business checking account. Minimum balance to open and obtain this APY is $2,500. This offer is available for a limited time and may change or be withdrawn at any time. Offer excludes municipalities and Intrafi Network Deposits.

Must open and fund a qualifying business checking account and enroll in Payee Positive Pay during the first statement cycle to qualify. After 6 months, all regular fees apply. Payee Positive Pay requires set up and regular submission of an approved check file. See the positive pay service agreement for additional information.

Ameris Bank provides a variety of products and services to customers in the Southeast and Mid-Atlantic. Visit a location in Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee and Virginia.