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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
  • Payables

    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 Package

    Core tools to manage cash flow and optimize liquidity.

  • Positive Pay

    Protect your accounts with advanced check and ACH fraud prevention.

ACH 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.

Contact a Banker
  • Business Bankers

    A knowledgeable team prepared to help you achieve your business goals.

Popular for Commercial Businesses
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.

Financial Education
Growing a Business
Take care of business

Meet your business goals with tools and tips from Ameris Bank.

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.

Lockbox

Streamline and automate your payment collections and processing.

Automate your manual processes

Reduce your expense and risk

Save your employees time and effort

Manage your business payments by outsourcing the process

By directing payments to your Lockbox, you can accept electronic and paper remittances at any time. Lockbox uses image-based technology to convert payments to electronic images and deposits funds directly into your Ameris Bank business account.

  • Reduce employee touchpoints on each transaction
  • Increase efficiency while reducing risk
  • See current-day activity online
  • Handle exception items quickly and efficiently
Lockbox Types
  • Wholesale Lockbox: Best for high-dollar, low-volume payments
  • Retail Lockbox: Best for low-dollar, high-volume payments, and machine-readable coupons
  • Wholetail Lockbox: A hybrid that receives both wholesale and retail payments
  • Healthcare LockboxImproves cash flow and provides full revenue cycle management for the healthcare industry

Nationwide Processing Centers

Work with highly engaged and experienced teams at 13 processing centers throughout the United States to accept payments quickly and accelerate processing and revenue recognition.

Atlanta | Boston | Dallas | Los Angeles | Milwaukee | Minneapolis | Philadelphia | San Francisco | Sioux Falls | Tampa

The latest Ameris Advice

Learn. Grow. Bank Confidently.

Streamline your payables, maximize efficiency

Take control of your business payments with Ameris Bank payables tools.

Automated ACH payments

Initiate electronic payments through ACH using templates or file transfers, reducing check‑handling time and lowering fraud risk.

Integrated payables solution

Centralize payment methods, including virtual cards, and get consolidated reporting that syncs with your accounting system.

Streamline your payables, maximize efficiency

Take control of your business payments with Ameris Bank payables tools.

Automated ACH payments

Initiate electronic payments through ACH using templates or file transfers, reducing check‑handling time and lowering fraud risk.

Integrated payables solution

Centralize payment methods, including virtual cards, and get consolidated reporting that syncs with your accounting system.