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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.

Debit Card

Your Ameris Bank Visa® debit card1 is the perfect way to pay.

Control how, when and where your debit card is used with card controls

Our mobile app keeps banking services at your fingertips all the time

Tap your contactless card for a fast, easy and secure way to pay

Your debit card is a go-to financial tool

You’ll receive a debit card when you open an Ameris Bank checking account because it’s a financial tool no one should be without.

  • Payments are automatically deducted from your checking account
  • Track all your purchases online and with our mobile app
  • Access updated balances and purchases details, such as merchant name, location and date of purchase
  • Visa®’s Zero Liability Policy2 means you won’t be held responsible for unauthorized purchases and any funds taken from your account due to fraudulent use will be returned to you

Debit card fraud alerts from Ameris Bank

We always monitor for suspicious activity. If a charge to your debit card is suspicious, we will send you a text message, email or call you to verify. You are protected from debit card fraud. You won’t be held responsible for unauthorized purchases.

First, check your phone! If you see a text, email or phone call, reply YES to validate your purchase. 

Then, call your local Ameris Bank branch or call the number on the back of your debit card. 

From the Online Banking homepage, select More, then select Customer Service. Click Contact Information and make sure we have your up-to-date information.

Remember...

Ameris Bank will never ask you for your account number, PIN, Social Security number or passwords.

Do more with your Ameris Bank Visa® debit card

Online and Mobile Banking

Keep track of your debit card purchases anytime, anywhere with online banking, mobile banking and alerts.

Bill Pay

Make purchases and pay bills online using your debit card.

Safe Payment Solutions

Your card features chip technology so you can pay with confidence.

Mobile Wallet

Add your Ameris Bank debit card to Apple Pay®, Google Pay™ or Samsung Pay® to conveniently pay online and in stores.

Card Controls

Turn on card controls to set rules about card usage based on location, transaction type, merchant type or spending amount.

Overdraft Fees

Protect yourself from overdraft fees.

Contactless Cards

Tap your contactless card for a fast, easy and secure way to pay.

Speed through the checkout line

See how contactless cards make things so much easier.

Speed through the checkout line

See how contactless cards make things so much easier.

Simplify everyday money management

A great checking account keeps your spending organized and your goals on track.

$50 minimum opening deposit

For each of the following accounts: Free Checking, Benefits Checking and Interest Checking.

Digital banking access

Pay bills, deposit checks remotely, manage debit cards and more with online and mobile banking.

Simplify everyday money management

A great checking account keeps your spending organized and your goals on track.

$50 minimum opening deposit

For each of the following accounts: Free Checking, Benefits Checking and Interest Checking.

Digital banking access

Pay bills, deposit checks remotely, manage debit cards and more with online and mobile banking.

Frequently Asked Questions

You can view and print copies of your statements through online banking.

  1. Log in to Online Banking
  2. Click "More"
  3. Select "Documents"
  4. Click "Statements"

You can view and print copies of your checks through online banking.

  1. Log in to Online Banking
  2. Select the account you want to view checks for
  3. Find the transaction and click the check icon

Check copies are also included in your statements:

  1. Log in to Online Banking
  2. Click "More"
  3. Select "Documents"
  4. Click "Statements"

To increase your debit card limit, please visit your nearest branch or call our Customer Service Center at 866-616-6020.

Yes! Make sure to notify us before you travel. We'll make a note on your account so that we don't misinterpret the unusual usage as fraud and you can use your card. Personal account customers can choose up to three geographic areas using the card controls feature on the Ameris Bank Mobile Banking App and Online Banking. You may also call our Customer Service Center at 866-616-6020.

You can activate your Ameris Bank Debit Card by calling 800.236.2442 and selecting option 5, or you can use your card at an ATM or in-person with your PIN at checkout.

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 may incur a service charge fee in addition to any ATM service charge assessed by the owner of the ATM. See our Miscellaneous Services Pricing Guide for details.

You can get a replacement Debit Card by visiting your local branch for an instantly issued new card or by calling our Customer Service Center at 866-616-6020 to order a replacement card.

If you Debit Card is lost or stolen, please report it right away by calling 800-236-2442.

To temporarily increase your daily limits for purchases, call us at 866-616-6020.

If your Ameris Bank debit card is stolen, please call 800-236-2442 immediately. Also, call our Customer Service Team at 866-616-6020 for account and fraud assistance. Once your debit card or account is closed no further activity can take place.

Unfortunately, once a merchant or business has an authorization on your Ameris Bank Debit Card, it cannot be stopped. To dispute a transaction(s), please call us at 866-616-6020. You can also visit your local branch to complete the necessary paperwork.

Yes, you can use your debit card for contactless payments and online purchases through participating merchants.

Open a personal checking account, savings account, money market account or CD online by clicking the "open online" link on each account's webpage. Complete the simple steps on each page to provide information and set your account preferences. When you're done, you'll receive an email outlining next steps.

For faster account opening, please have the following information on hand when you begin your application:

* Your Social Security number

* Your current U.S. residential address

* A form of documentary identification such as driver's license, state ID or passport

* Your email address

* Your current account number to make your opening deposit into your new Ameris Bank account

* Co-applicant's personal information (if applicable).

Ameris Bank now issues contactless cards.  If your card has the contactless symbol, you're ready to tap, pay, and go at participating merchants.  If your card does not have the contactless symbol and you would like to make contactless payments, vist your nearest branch or contact us at 866-616-6020 to order a new card.

You'll need the same information that's needed when opening an individual account, but you'll need it for both applicants.

* Your Social Security number Your current U.S. residential address

* A form of documentary identification such as driver's license, state ID or passport

* Your email address

* Your current account number to make your opening deposit into your new Ameris Bank account

* Co-applicant's personal information (if applicable)

Non U.S citizens may open an account in person at any Ameris Bank location.

To make your initial deposit, you can transfer money from your account at another bank, send a check or money order or use the mobile deposit feature within the Ameris Bank Mobile Banking App. For checking, savings and money market accounts, you may also visit an Ameris Bank branch to make an initial deposit. Depending on the method selected for funding your account, please allow up to 6 business days after the account is successfully opened for funds to transfer and be available in your account. Please ensure that you have sufficient funds available to be transferred.

Funding limits vary by type of account. Please refer to the funding page for these limits when you are opening your account.

We use Secure Sockets Layer (SSL) technology to ensure your online information is passed to us securely. This technology provides a minimal risk of external violation because it establishes secure sessions with internet sites.

Your account may be opened immediately or up to 2 business days after you complete online account opening. We’ll send you an email letting you know if your account is opened and any next steps.

When opening your account online, you will be presented several account opening documents to review and accept. You can save these documents or print them. These are the same documents provided by a banker when an account is opened inside a bank branch.

Yes, if you need more time, you can save what you’ve already entered for up to 60 days and complete the account opening later. To save what you have already entered, you’ll need to provide some personal information such as your last name, email address and the last 4 digits of your social security number. When you’re ready to complete your online account opening, either follow the link in the email sent to you or access your saved work HERE.

Order checks from our preferred check vendor, Harland Clarke.

Most checks our customers deposit can be processed with mobile deposit, but there are some exceptions. Refer to the Mobile Banking Service Agreement that is displayed when you begin a deposit in the app for details.

No. There is no limit to the number of items you can deposit to your account, but there may be limits on the dollar amount that can be deposited. Refer to the Mobile Deposit notice that appears in the app when you begin a deposit for more details.

Yes. Sign the back of the check and write "For Ameris Bank Mobile Deposit Only."

After you make your mobile deposit, write "VOID" on the front and keep it for 45 days after the funds post to your account After that, the check should be shredded.

When a check is more than your daily limit, you'll need to make the deposit at a branch. You can make a deposit in person, at most Ameris Bank ATMs or through the mail. Use your Mobile Banking app to find the nearest branch.

Ameris Bank offers multiple solutions to protect your account from overdrafts including using a savings account or line of credit. Talk to a banker today to determine what's right for you!

Ameris Bank's personal checking accounts and debit cards make money management simple. Open an account online or visit a branch location throughout AL, FL, GA, NC and SC.

1 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.

2 Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. Individual replacement fund amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify your financial institution immediately of any unauthorized use. Transaction at issue must be posted to your account before replacement funds may be issued. For specific restrictions, limitations and other details, please consult your issuer.

See the Electronic Funds Transfer Disclosure for additional details.