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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.

Home Equity Loans and Lines of Credit

Your home's value has increased. Use that equity to make good things happen.

Affordable rates hold down interest charges so you get more value

While you've been living life, making memories and paying your mortgage, you've also been building equity in your home. If you're ready to take on a remodeling project, use an Ameris Bank Home Equity Loan or Home Equity Line of Credit* to finance the job. The possibilities go beyond that. You can use the money to finance any type of big project or purchase, or to consolidate higher-interest debt and save some money. You have several options to move your life in a positive direction.

Finance home projects, big purchases or anything on your to-do list

Home Equity Lines of Credit

A HELOC is a great option when you need flexibility. You don't pay anything unless you use this revolving line of credit, which features a variable rate.

Home Equity Loans

When you know exactly how much money you need to borrow, you can lock in a fixed rate and budget your monthly payments easily.

Choose the accounts you want to compare:

Home Equity Lines of Credit

Best if want a revolving line of credit you can access anytime

Home Equity Loans

Best if you want your money upfront in one lump sum

Interest Rate
Variable
Fixed
Loan-to-Value
80%
80%

The latest Ameris Advice

Learn. Grow. Bank Confidently.

Disclaimers

* All loans subject to credit approval.