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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.

Benefits Checking

Get vital protection for yourself and your finances through this checking account.

Identity (ID) theft protection1

Credit monitoring2

Cell phone protection3

With this checking account, extra benefits are standard

Manage your money without worrying about it every minute. Benefits Checking can help protect your identity from thieves and scam artists while delivering so many additional perks.

  • Open with a $50 minimum deposit
  • Includes IDProtect® identity theft monitoring and resolution service1
  • Credit file monitoring2 and alerts of key changes with Equifax, Experian and TransUnion (registration/activation required)
  • Up to $10,000 in identity theft expense reimbursement3 and more
  • Cell phone protection3 provides up to $400 of replacement or repair cost for damaged or stolen phones ($50 deductible applies; up to two claims per 12-month period)
  • Open a Personal Savings account with no minimum balance requirement when you maintain a quarterly $25 scheduled transfer from your Benefits Checking account4
  • Request a 3-in-1 report every 90 days or upon receipt of a credit alert (registration/ activation required)
  • Use online banking to monitor account activity, transfer money between your Ameris accounts, pay bills, access paperless statements, order checks and more
  • Download our mobile banking app to do everything that’s possible within online banking, plus deposit checks automatically in your Ameris account using your device’s built-in camera
  • Set up custom alerts to know immediately when activity occurs, helping you spot fraud faster
  • Access our automated telephone banking service to take care of certain tasks when you’re not online
  • Switch to Ameris Bank and get $10 when we buy back your debit cards and unused checks from another financial institution5
  • Customers age 62 and over receive no-cost Ameris Bank standard wallet-style checks (other checks styles available for purchase)
  • Low $8 monthly service fee (enroll in paperless statements to reduce the fee to $6)

Flexibility whenever you need it

Use the Ameris Bank Visa® debit card6 for all types of purchases and to withdraw money fee-free at thousands of ATMs nationwide.

The latest Ameris Advice

Learn. Grow. Bank Confidently.

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Set up automatic transfers

From your checking to your savings account - even small weekly amounts add up.

Digital banking access

Manage and track your savings goals from anywhere.

Earn interest on your balance

Put your money to work by earning interest once your daily balance meets the required minimum.

Set up automatic transfers

From your checking to your savings account - even small weekly amounts add up.

Digital banking access

Manage and track your savings goals from anywhere.

Earn interest on your balance

Put your money to work by earning interest once your daily balance meets the required minimum.

Disclaimers

1 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.

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

3 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.)

4 The Personal Savings quarterly service fee is not assessed when the qualifying scheduled transfer from the Benefits Checking account occurs

5 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.

6 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.