Personal Savings Account Solutions

Accounts providing the means to save for future investments, large purchases, seasonal expenses or an emergency. Regardless of the savings account type, enjoy efficient and easy account access through online banking, mobile banking, and automated telephone banking.


Regular Savings

  • Allows for greater earning potential with competitive
    interest rates
  • Maintain a $300 average daily balance and the
    $9 quarterly price for the account will not be assessed
  • $100 minimum opening deposit
  • A savings withdrawal fee of $7 will be charged for
    each debit transaction in excess of six per quarterly
    statement cycle. Debit transactions include withdrawals
    made in person at an Ameris Bank office or at an ATM,
    automatic transfer or payment from the account

Personal Money Market

  • Allows for greater earning potential with competitive
    interest rates
  • Tiered interest rate based on account daily balance
  • Interest compounded daily and credited monthly
  • Maintain a $1,000 minimum daily balance or a $3,000
    average daily balance and the $10 monthly price for
    the account will not be assessed
  • $2,500 minimum opening deposit
  • An excessive debit fee of $7 will be charged for each
    withdrawal transaction described below which
    exceeds the federal limitation of six per statement cycle*

Health Savings Account (HSA)

  • A savings account that allows individuals with a high-deductible health plan to pay for qualified medical expenses like prescriptions, co-pays, dental care, eye care and more
  • Contributions may be tax-deductible and interest earned may be tax-deferred1
  • Funds may be accessed at any time with an HSA VISA® debit card or checks
  • Maintain a minimum daily balance of $1,000 and the $5 monthly price will will not be assessed
  • $100 minimum balance to open with a one-time $25 set-up charge; the minimum balance may be waived if direct deposit is established

Minor Savings

  • Teaches children the importance of saving
  • No monthly maintenance costs
  • No minimum deposit needed to open account
  • Account Holder must be under the age of 19

Coverdell Educational Savings Account (ESA)

  • An account opened on behalf of a child under age 18 (beneficiary), for college education savings
  • Contributions are not tax deductible, but withdrawals can be made tax-free when needed for education expenses 1
  • Contributions are made on behalf of the beneficiary
  • Early withdrawal penalties may apply
  • Open with $100 deposit

Christmas Club

  • Save all year long for the holiday season’s inevitable expenses
  • Each November, receive a check in the amount of your account balance, including interest
  • Open with a $5 deposit

Savings & Money Market Statement Price

E-Statements are available, free of charge, for every savings and money market account. The price of a Paper Statement is $2.00, which will be deducted from the associated account. You may avoid the price of a Paper Statement by enrolling to receive E-Statements for your savings and money market accounts. Learn More.


*Federal Transaction Limitations: Federal law governs withdrawal transactions from Savings and Money Market accounts. And if transactions exceed limits, the account could be reclassified as non-interest bearing. Federal law limits transfers to another deposit account with Ameris Bank or to a third party to a total of 6 per statement cycle (or 6 per month for quarterly statements). These transfers include: preauthorized agreement, telephone request, check, check card, draft including Online Banking transfers and sweep transfers. Withdrawals made in person at an Ameris Bank office or at an ATM are not subject to these limitations.

1Consult a tax advisor.