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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.

Personal Checking Accounts

Get a checking account that fits your financial personality.

Find an account that checks all your boxes

Open a checking account that's easy to use. Or go with one that earns interest. You can even choose one that includes cell phone and identity theft protection. Whatever features you want in your checking account, you'll find the right one, right here. And they all come with a debit card, access to online banking and our mobile app so you can move money and monitor your account anytime, anywhere.

Introducing your next checking account...

Free Checking*

Keep any balance you want and never pay a monthly service fee. This checking account gives you the freedom to do what you want.

Benefits Checking

Added protection comes from credit file monitoring, identity theft protection and resolution services and cell phone insurance.

Interest Checking

Your balance earns interest at a competitive rate, and you get more value when you keep at least $10,000 in this account.

Student Banking

Students can choose any of these checking accounts to manage money on the go.

Choose the accounts you want to compare:

Free Checking*

Best if you want to avoid a monthly maintenance fee

Benefits Checking

Best if you want added protection for your phone, ID theft security and more

Interest Checking

Best if you want to earn interest at a competitive rate

Minimum Opening Deposit
$50
$50
$50
Monthly Service Fee
$0
$8 monthly service fee or $6monthly service fee when enrolled in e-statements.
$20 monthly service fee or $0 monthly service fee when the combined total of all personal deposit accounts average daily balances (during statement cycle) is$10,000 or greater.1
Earns Interest2
Checks
Checks available for purchase.
Checks available for purchase.
No cost for Ameris Bank standard wallet-style checks.
Other check styles are available for purchase.
Senior Benefits (age 62 & over)
N/A
Customers age 62 and over receive no-cost Ameris Bank standard wallet-style checks (other checks styles available for purchase).
N/A
Additional Benefits
Up to $10 buy back of your debit cards and unused checks from another financial institution.4
  • Cell phone protection5— receive up to $400 of replacement or repair cost for damaged or stolen phones. $50 deductible applies. Up to two claims pertwelve-month period.
  • ID Protect® identity theft monitoring and resolutionservice6 
  • Up to $10,000 in ID theft reimbursement.5
  • Credit file monitoring7 and alerts of key changes with Equifax, Experian and TransUnion (registration/activation required).
  • Ability to request 3-in-1report every 90 days or upon receipt of credit alert (registration/activation required). 
  • Up to $10 buy back of your debit cards and unused checks from another financial institution.4
  • No charge for purchase of official checks.
  • Option to increase your Ameris Bank CD rate to a posted rate from our current rate sheet once during the term of the CD, at your request.
  • Access to any ATM nationwide, with all ATM fees reimbursed.
  • Increase daily limit to $5,000for debit card signature point-of-sale transactions, at your request. Up to $10 buy back of your debit cards and unused checks from another financial institution.4

Easy access anytime

All Ameris Bank checking accounts come with a debit card for fee-free withdrawals at ATMs nationwide.

The latest Ameris Advice

Learn. Grow. Bank Confidently.

* Other fees such as Overdraft fees may apply. See the Miscellaneous Services Pricing Guide for details.

The monthly service fee will become effective after the first two statement cycles.

2 If you close account before interest is credited, you will not receive the accrued interest.

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.

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.

5 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).

6 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.

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