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Small Business
Commercial
Checking & Savings
Popular for Small Businesses
Business Essential Checking
Checking that works as hard as you do

No minimum balance, 300 free items, and easy mobile banking. 

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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.

Account Management
ACH Services
Effortless payments

Send payroll, vendor payments, or customer refunds securely and efficiently.

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Checking
Tools & Resources
Free Checking
One less thing on your to-do list

Free checking with no fees and instant digital access - simple banking for busy families.

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Savings
Tools & Resources
Money Market
Saving for life's big moments

Grow your money for future wedding plans, college expenses or home updates.

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Loans
Popular for Small Businesses
SBA Lending Team
Experts who get business

Guiding you through every step from application to closing with fast approvals and tailored support.

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Loans
Popular for Commercial Businesses
Expansion Loans
Fuel your next chapter

Flexible financing to invest in equipment, locations, or working capital tailored for your business goals.

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Specialized Industries
Popular for Commercial Businesses
Specialized Industries
Unmatched industry expertise

Receive personalized service from a commercial banker who understands your industry sector. 

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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.

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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.

Tools & Resources
Card Controls
Stay in charge of every swipe

Easily track transactions, pause spending, or limit expenses - all from your device.

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Home Loans
Mortgage Resources
Mortgage Journey
Make your dream home a reality

Understand what happens, when it happens, and what you need along the way.

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Merchant Services
Popular for Small Businesses
Find a Business Banker
Meet the Ameris Business Banking Team

Our knowledgeable business bankers are here to help you achieve your financial goals.

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Commercial Card
  • OneCard

    Simplify expense management, improve cash flow, and keep personal and business finances separate.

Popular for Commercial Businesses
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.

Popular for Small Businesses
Credit Cards
Tools & Resources
Personal Loans
Tools & Resources
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.

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Employee Benefits
  • At-Work Banking

    Convenient banking benefits for employees at your workplace.

Popular for Small Businesses
Financial Education
Popular for Commercial Businesses
Growing a Business
Take care of business

Meet your business goals with tools and tips from Ameris Bank.

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Financial Education
Popular for Small Businesses
Starting a Business
Meet your business goals

Tap into our financial tools and resources to give your business an edge.

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Financial Education
Tools & Resources
Starting a Family
Your family's financial future

At Ameris, we focus on your finances so you can focus on your family.

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Ready to Apply

We simplify the process of applying for your mortgage.*

Get in touch with us in numerous ways to apply

We'll walk you through the entire mortgage process

Know what to expect with every step and every document*

How to apply for your Ameris Bank mortgage

Apply Online

Find a mortgage banker and then access the online application. 

Call us

Contact a mortgage banker, or call our Customer Service Center at 866.616.6020 and they will refer you to a mortgage banker.

Visit us

Stop by a mortgage branch and meet with a mortgage banker who will help you complete the application in person.

Details to Know

Disclosures

Once your application is complete, you will receive a few disclosures to review, sign and return. One of the most important – the loan estimate.

Loan Estimate

Federal law requires you receive a loan estimate disclosing all our fees, terms and conditions within three days of submitting your loan application. You have 10 days to review this document and decide if you wish to accept our offer.

Documentation

After you apply, you will be asked to submit any additional documentation necessary to process your loan. To get started, check out our borrower’s checklist for a list of documents needed.

Various Mortgage Options

Just as there are countless home designs, there are many different types of mortgages. Your mortgage banker will work with you to find the perfect fit.

Down Payment

Your down payment may vary based on the type of loan and your personal situation, which you can discuss with your mortgage banker. Ameris Bank offers a variety of down payment assistance.

Closing Costs

There may be closing costs involved, which will be outlined in your loan estimate. In some cases, closing costs can be incorporated into the loan amount.

Key Players

You are the applicant when you are completing your loan application.

You are the borrower once your application has been received and the mortgage process begins.

Ameris Bank is the mortgage lender, the organization lending you the money for the purchase of your home.

Also known as a loan originator, this person will ensure your application is complete and help you gather all the information and documentation needed to start financing.

The loan processor, working closely with your mortgage banker, will ensure all information and documents are gathered and will order credit reports, a property appraisal and other documents needed.

The underwriter reviews all your mortgage documents to confirm your ability to repay the loan based on your credit score, income, savings and other resources, and ensures the home’s value provides adequate security for the loan amount. Ultimately, the underwriter will determine if you are approved for the loan or not.

Other steps in the Ameris Bank mortgage process

Your financial shortcuts

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 subject to credit approval.

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