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.

First-Time Homebuyer Loan

You have a trusted partner in Ameris Bank when buying your first home.*

Various loan programs

Guidance at every step

Are you a first-time homebuyer? Welcome to the neighborhood! 

Finding and choosing your first home is an exciting time. Ameris Bank is proud to offer loan programs that can help make your homebuying dreams a reality, and we’ll guide you through the process each step of the way. Explore your options and all the helpful information and resources below to prepare for the homebuying process.

Ameris Dream
  • Loans for first-time homebuyers with limited funds for a down payment
  • Up to 100% financing for eligible first-time homebuyers
  • No mortgage insurance required
  • Borrower must contribute minimum of $500
First-Time Homebuyer Loan
  • Competitive, fixed rates 
  • Low to no down payment options
  • Down payment and closing costs may come from a gift or grant from a family member
  • Financial assistance may be available to qualified buyers
  • Sellers may help with fees or provide other concessions
  • Loans can be used to purchase homes or condos
Conventional 97 Loan
  • As little as 3% down payment (all can be gifted)
  • Mortgage insurance required
  • One-unit primary residence
Adjustable-Rate Mortgage

An ARM features a variable interest rate, which may be a good option if you plan to stay in the home for a short period of time.

FHA Loans

These government-backed mortgages feature low down payment requirements.

Fixed-Rate Mortgage

This mortgage's interest rate never changes, making your principal and interest payments more predictable.

USDA Loans

Borrow up to 100% of the value of a new home located in a qualifying rural area.

VA Loans

Active duty military, veterans and eligible spouses can qualify for up to 100% financing.

Download our free homebuyer guides

Designed for first-time homebuyers like you, our Homebuyer Guide provides information on mortgage programs and the documents you’ll need to apply and answers to common questions. You can read more about the homebuying process, step-by-step. Plus, Fannie Mae and Freddie Mac offer homebuying education courses and additional resources to help prepare you for homeownership.

Unlock your home's potential

Tap into your home equity to consolidate debt, fund life's big events or tackle home improvement projects.

Home Equity Loans

Lock in this fixed rate loan when you know how much you need to borrow.

HELOC

A HELOC is the right solution if you are looking for flexibility and a revolving line of credit.

Unlock your home's potential

Tap into your home equity to consolidate debt, fund life's big events or tackle home improvement projects.

Home Equity Loans

Lock in this fixed rate loan when you know how much you need to borrow.

HELOC

A HELOC is the right solution if you are looking for flexibility and a revolving line of credit.

Ameris Bank makes homeownership convenient with our mortgage loan options. Contact a mortgage banker online or visit a branch location throughout AL, GA, FL, SC, NC, VA, MD and TN.

* All loans are subject to credit approval and eligibility requirements may apply.