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Funds Availability
These guidelines describe when funds will be available to you.
This policy relates to your ability to withdraw funds at Ameris Bank
Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Funds available from electronic deposits post and are available on the business day received. If on weekend or holiday, they will post the next business day. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. The deposit cut-off time is the close of business at each branch location. Business hours are displayed at each branch as well as on the bank's website. If you make a deposit before the branch's displayed closing time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the branch's displayed closing time or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
If you make a deposit at an ATM that we own before the displayed ATM cut-off time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM that we own after the displayed ATM cut-off time or on a day we are not open, we will consider the deposit was made on the next business day we are open. Not all ATMs that we own accept deposits. All ATMs that we own or operate are identified as our machines.
Longer Delays May Apply
In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $275 of your deposits will be available on the first business day.
If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
- We believe a check you deposit will not be paid.
- You deposit checks totaling more than $6,725 on any one day.
- You redeposit a check that has been returned unpaid.
- You have overdrawn your account repeatedly in the last six months
- There is an emergency, such as failure of communications or computer equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.
Special Rules for New Accounts
If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $6,725 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $6,725 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than U.S. Treasury checks) is not made in person to one of our employees, the first $6,725 will not be available until the second business day after the day of your deposit.
Funds from all other check deposits will be available on the tenth business day after the day of your deposit.
Effective July 1, 2025
Pages within:
- FDIC Deposit Insurance Coverage
- Online Privacy Policy
- Business Online Banking Disclosure
- Paperless Statements Disclosure
- Social Media Policy & Community Guidelines
- Overdraft Practices Disclosure for Business Accounts
- Consumer Standard Overdraft Practices
- Recommended Browser and Device Information
- Bank Statements
- Branch Closures & Alternative Hours
- Diversity and Inclusion Strategic Plan and Employment Policy
- Vendor Diversity
- Home Mortgage Disclosure Act
- Ameris Bank (NMLS:408099)
- Funds Availability
- Electronic Fund Transfer Disclosure
- California Consumer Privacy Act Disclosure