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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.

Mortgage Loan Refinancing

If you love your home but not your mortgage, consider refinancing.*

Reduce monthly payments

Save on long-term interest charges

Gain access to cash

Refinancing your mortgage can be rewarding

When rates drop, it's time to consider refinancing your mortgage loan. With a new, refinanced home loan, you may decrease your monthly mortgage payment. But this isn't the only time you should consider a refinance. Refinancing your home loan with Ameris Bank can pay off for any of these reasons:

Increase Your Cash Flow

Refinancing to a lower interest rate typically results in a lower monthly payment, so you have more money available to use as you please.

Turn Equity Into Cash

With a cash-out refinance, you can use the equity in your home to pay for home improvements, debt consolidation, a family vacation, college tuition or other financial needs. If you’ve built equity in your home, a cash-out refinance may be a great fit.

Build Home Equity Faster

You may want to consider refinancing to knock years off the loan. This will increase your monthly payments, but you will build your home equity faster. You'll also save money in the long run by paying less in interest.

Reduce Monthly Payments

If you're struggling to keep up with your current monthly payment, you can refinance to a longer term loan, which will lower your monthly payment. Keep in mind, this will also result in you paying more in interest over the length of the loan.

Choose a different type of loan

As time goes by, your situation changes. By refinancing, you can select a mortgage option that benefits you most at this time in your life.

The latest Ameris Advice

Learn. Grow. Bank Confidently.

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 a.nd 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 a.nd a revolving line of credit.

* All loans are subject to credit approval.