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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.

Personal Checking Accounts

Get a checking account that fits your financial personality.

Find an account that checks all your boxes

Open a checking account that's easy to use. Or go with one that earns interest. You can even choose one that includes cell phone and identity theft protection. Whatever features you want in your checking account, you'll find the right one, right here. And they all come with a debit card, access to online banking and our mobile app so you can move money and monitor your account anytime, anywhere.

Introducing your next checking account...

Free Checking*

Keep any balance you want and never pay a monthly service fee. This checking account gives you the freedom to do what you want.

Benefits Checking

Added protection comes from credit file monitoring, identity theft protection and resolution services and cell phone insurance.

Interest Checking

Your balance earns interest at a competitive rate, and you get more value when you keep at least $10,000 in this account.

Choose the accounts you want to compare:

Free Checking*

Best if you want to avoid a monthly maintenance fee

Benefits Checking

Best if you want added protection for your phone, ID theft security and more

Interest Checking

Best if you want to earn interest at a competitive rate

Minimum Opening Deposit
$50
$50
$50
Monthly Service Fee
$0
$8 monthly service fee or $6 monthly service fee when enrolled in paperless 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
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.
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 institution.4
  • 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 monitoring7 and 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 institution.4
  • 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 institution.4

Ameris Bank Visa® debit card

Experience seamless purchasing power with the Ameris Bank Visa® debit card, designed for secure shopping and instant access to your funds. Manage your card on the go with real-time mobile alerts and advanced fraud protection that keeps your account safe around the clock.

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!

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

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

2 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.

Offer 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.

5 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).

6 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.

7 Credit file monitoring may take several days to begin following activation.