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Mobile Banking FAQs
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To increase your mobile deposit limit, please visit your nearest branch or call our Customer Service Center at 866-616-6020.
The easiest way for a consumer to send money to another individual is through Zelle®."
It's easy — Zelle is already available in your mobile banking app! Check your app and follow a few simple steps to enroll with Zelle today.
You can find a full list of participating banks and credit unions live with Zelle here.
If your recipient's bank or credit union isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.
To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.
When you enroll with Zelle through your banking app, your name, your financial institution's name, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with your bank or credit union). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle looks up the email address or mobile number in its "directory" and notifies your financial institution of the incoming payment. Your bank or credit union then directs the payment into your bank account, all while keeping your sensitive account details private.
In order to use Zelle, the sender and recipient's bank accounts must be based in the U.S.
If your recipient has not yet enrolled with Zelle, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire, and the transaction will need to be made again.
If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren't able to get your money back, call our customer support team at (866) 616-6020 team so we can help you.
Yes! They will receive a notification via email or text message.
Keeping your money and information safe is a top priority. When you use Zelle within your mobile app, your information is protected with the same technology we use to keep your bank account safe.
If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions.
These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Ameris Bank nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team at (866) 616-6020 and ask us to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled to your desired bank account so you can use it for Zelle.
Once customer support moves your email address or U.S. mobile phone number, it will be connected to your account at the financial institution you requested so you can start sending and receiving money with Zelle.
Some small businesses are able to receive payments with Zelle. Ask your favorite small business if they accept payments with Zelle. If they do, you can pay them directly from your mobile banking app using just their email address or U.S. mobile number.
Neither Ameris Bank, nor Zelle, offers a protection program for any authorized payments made with Zelle, so you should only send money to people (and small businesses) you trust. Also, always ensure you've used the correct email address or U.S. mobile number when sending money.
You can enroll directly in mobile banking from the downloaded mobile app. To change a phone number enrolled in Mobile Banking, uninstall and reinstall the app and then re-enroll in the app with the new phone number. Click the following link from your mobile device to download the application, or search Ameris Bank Personal Mobile Banking in your device's app store.
Mobile Banking is supported on most devices with a mobile web browser that supports cookies. In addition, the mobile application is available on iPhone and Android smartphones and on iPads and Android tablets. Simply visit amerisbank.com on your device or download our app from your device's app store.
Mobile Banking App is available for iPhone and Android. To download Ameris Bank’s App go to the Apple App Store or Google Play.
If you get a new phone, download our Mobile Banking App and login using your user ID and password. If your phone number changes:
- Log in to Online Banking or your Ameris Bank Mobile Banking app
- Click "More", then "Contact Information"
- Click the edit icon next to your mobile number and follow the steps on the screen.
It's important to keep your phone number up to date so we can contact you about your account, if needed.
An account's available balance shows the amount of funds immediately available to you. The available balance for a deposit account, such as a checking account, reflects the portion of the current balance available for use. For a loan account, such as a line of credit account, the available balance indicates your credit line or how much you can currently spend.
An account's current balance is the total amount of funds including pending transactions, holds, and so on. The current balance for a loan account, such as a line of credit account, reflects how much is owed.
Your account's available balance is based on real time transactions completed throughout the day. This could also include cash deposits or withdrawals at a branch, ATM withdrawals, card purchases and transfers.
Note: Mortgage and credit card balances are current as of the close of the previous business day.
Yes, the mobile banking service utilizes best practices such as HTTPS, 128-bit SSL encryption, device profiling, biometric or password access and application time-out when your mobile device is not in use. Only the mobile devices that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your mobile device. And in the event your mobile device is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or calling us.
With the Ameris Bank Mobile App, you can deposit checks using your phone’s camera. Simply tap the "Check Deposit" camera icon at the bottom of the screen, then tap "Front of Check" to take a picture, tap "Back of Check" to take a picture. Then select the account, enter the amount and click "Continue". Review your deposit details and click "Confirm Deposit" to submit your mobile deposit.
No. Ameris Bank does not charge a mobile deposit fee. Other fees may apply. Refer to your account documentation and our Miscellaneous Pricing Guide for more information.
Daily deposit limit may vary. Refer to the Mobile Deposit notice that appears in the app when you begin a deposit for more details.
You can request a limit increase by calling our Customer Service Center at 866.616.6020.
No. Deposits received before 7 p.m. ET on a business day will be credited to your account on the evening of the same day. If you make a deposit after 7 p.m. ET on a business day, it will be credited on the next business day. Deposits made after 7 p.m. ET on Friday or anytime during Saturday-Sunday will be available on the following Tuesday, unless stated otherwise. Additional delays may occur; for more details, please check our Mobile Banking Service Agreement and Funds Availability Policy.
We'll send you an email when we receive your deposit. When it's processed, we'll send a second email with the status of your deposit. This email will indicate if the deposit was approved or declined. If it was declined we'll tell you why. If you don't receive these notifications, please call our Customer Service Center at 866-616-6020. We may need to update your email address.
Using Mobile Deposit is easy! Check out the video on our Mobile Banking page to learn how!
Try again and make sure:
You sign the back of each check and write "For Ameris Bank Mobile Deposit Only." The check is on a well-lit, solid dark surface while taking the picture. The entire check image is visible in the picture and it's in focus. If it still doesn't work, you may need to deposit the check at an Ameris Bank location, an Ameris Bank ATM that accepts deposits or through the mail. Use your Mobile Banking app to find the nearest branch.
Yes! You can send or request money with anyone, all you need is a valid phone or email for your contact.
Only outstanding requests can be canceled. To cancel a request, go to the pending activity list and tap Cancel.
A valid phone or email is required for each user to enable sending or receiving money.
Contactless payments use short-range wireless technology to securely complete payments between a contactless-enabled card or payment-enabled device and a contactless-enabled checkout terminal. A contactless Visa card is a chip card that has a near-field communication (NFC) antenna, which enables close-range payments. When you tap your contactless card or payment-enable device at a checkout terminal near the contactless symbol, your payment is sent for authorization.
You can tap to pay where you see the contactless symbol at checkout. Millions of merchants around the world accept contactless payments, including fast food restaurants, grocery stores, pharmacies and more. Contactless payments use short-range wireless technology to securely complete payments between a contactless-enabled card or payment-enabled device and a contactless-enabled checkout terminal. A contactless Visa® card is a chip card that has a near-field communication (NFC) antenna, which enables close-range payments. When you tap your contactless card or payment-enable device at a checkout terminal near the contactless symbol, your payment is sent for authorization.
Contactless payments are fast and convenient to use in places where you need to pay on the go, such as fast food restaurants, grocery stores, convenience stores and more.
Contactless payments are secure because just like a chip card, each transaction is accompanied by a one-time code that protects your payment information.
Unlike with cash, you can keep better records of your purchases with your contactless Visa card or payment-enabled device. You can still do everything you would do with another Visa card, including adding a tip, getting cash back (where available), and more.