Online Banking Sign-In
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.

Back to blog home
Thinking of an Online-Only Bank or Credit Union? Think Again.
December 6, 2024
Nowadays, it's easy to get lost in the digital crowd. But when it comes to your finances, a personal touch can make all the difference. Online-only banks have gained popularity, promising convenience and competitive interest rates. And while online banking is an excellent tool, there are significant advantages to having a brick-and-mortar outpost. For one, banks like Ameris Bank have a proven track record of stability and longevity, weathering economic storms and market fluctuations.

 
Personalized Service

  • Local Expertise: Banks like Ameris Bank are deeply rooted in their local communities, understanding the unique needs and challenges of their customers.
  • Face-to-Face Interactions: Unlike online-only banks, Ameris offer the opportunity to interact with real people. Our bankers get to know their customers and offer customized financial solutions based on specific needs and goals.


Stronger Community Ties

  • Supporting Local Businesses: Community banks often invest in local businesses, contributing to the economic growth of the community.
  • Charitable Initiatives: Many community banks actively participate in charitable causes and community events.
  • Building a Stronger Community: By supporting local businesses and initiatives, community banks help create a stronger, more vibrant community.

While online-only banks may offer certain conveniences, they often lack the personalized service, community involvement, and security that community banks provide. By choosing a local bank, you can enjoy the best of both worlds: the convenience of modern banking technology combined with the warmth and reliability of a physical location. 

Find your nearest Ameris Bank today!


Reviewed April 2025
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.