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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.

Securities Backed Line of Credit

Borrow against your investments' value for flexible financing.

Use existing assets in investment accounts as collateral

No minimum advance amount required

Competitive variable rates available

A Securities Backed Line of Credit1 makes investments pay off in many ways 

Also known as a SLOC, you can take all the gains you've accumulated in your investment portfolio to borrow funds at a competitive interest rate, possibly lower than other loan options. Plus, you maintain your investment and cash reserves rather than selling securities, which can disrupt your long-term strategies and can have negative tax consequences.2 Keep your investment strategies on track by opening this line of credit with a quick approval process and all types of possibilities.

  • Buying real estate
  • Investment opportunities
  • Business purposes
  • Weddings
  • Medical expenses
  • Pay tax bills
  • Emergencies

The lower the rate, the better

And with a SLOC, you might be able to borrow money at a lower variable rate compared to other options.

Ameris Bank's private banking products provide convenient financing and money management options for your investment needs. Contact us or visit a branch location throughout AL, FL, GA, NC and SC to get started.

1 The Securities Backed Line of Credit (SLOC) is a securities based loan/line of credit from Ameris Bank. The ISLOC requires a minimum investment account balance of $143,000 and a minimum credit line of $100,000. Securities-based financing involves unique risks and is not for everyone. When considering a securities-based loan, thought should be given to individual requirements, portfolio composition and risk tolerance, as well as capital gains, portfolio performance expectations and investment time horizon. The securities or other assets in any collateral account may be sold to meet a collateral call without notice to the client, the client is not entitled to an extension of time on the collateral call and the client is not entitled to choose which securities or other assets will be sold. The client can lose more funds than deposited in such collateral account. Ameris Bank may demand full repayment at any time. Some restrictions may apply and not all managed accounts are eligible as collateral. All loans and collateral are subject to credit approval.

2 We do not provide legal or tax advice. Please consult your legal or tax advisor in regards to your own situation.