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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.

US Premium Finance

Expert insurance premium financing solutions

Insurance Premium Financing

US Premium Finance (USPF), a division of Ameris Bank, is a trusted national leader in insurance premium financing solutions for agents, brokers, and insured borrowers. Since 1993, USPF merges deep expertise with cutting-edge technology to provide flexible, customer-focused financing options.

Why Partner with USPF for Commercial Insurance Financing?

Choosing the right financing partner is critical for long-term stability. USPF offers:

Financial Strength & Stability

Benefit from the security and reliability of Ameris Bank’s extensive resources.

Customizable Financing Terms

We offer competitive rates and tailored terms for commercial insurance lines, including property, liability, and workers’ compensation.

Agent-Centric Service

We partner with agencies to streamline workflows through fast documentation and responsive support.

Innovative Fintech Tools for Insurance Agencies

We leverage innovation to drive results, providing speed of a fintech with security of a bank.

AI-Powered Automation

Our Robotic Process Automation (RPA) accelerates agreement processing, reducing manual errors and saving you time.

Streamlined Accounting & E-Pay

Simplify operations with integrated down-payment collection and e-pay options for faster transactions.

Increase Agency Valuation

Premium financing is a powerful growth strategy. By leveraging USPF solutions, agencies can increase EBITDA and enhance overall valuation through new income streams.

Optimize your cash flow today.

At USPF, we are dedicated to helping agencies grow and helping insured clients manage cash flow effectively. Experience the perfect balance of flexibility and security.

Ready to start financing smarter?

Financing your business is rewarding with Ameris Bank. Contact a business banker or visit a branch throughout AL, FL, GA, NC and SC to get started.