Ameris Bank
Ameris Bank is a 1971-founded regional bank headquartered in Atlanta, operating 434 full-service branches across the Southeast and serving consumers, small businesses, mid-market commercial clients, and 12 specialized industries with deposits, lending, mortgages, and treasury services.
- Company typePrivate
- Founded1971
- HeadquartersMoultrie, United States
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What Ameris Bank does
Ameris Bank is a full-service regional commercial bank headquartered in Atlanta, Georgia, founded in 1971, operating 434 full-service branches concentrated in the Southeast (Alabama, Florida, Georgia, North Carolina, South Carolina) and mortgage-only operations across eight Mid-Atlantic and Southeast states. The bank serves four primary customer segments — individual consumers, small businesses, mid-market commercial clients, and specialized industries (agribusiness, healthcare, dental, veterinary, legal, municipal, and others) — through a hybrid distribution model combining physical branches, dedicated business and mortgage bankers, and online/mobile banking channels that enable nationwide deposit account opening.
The product portfolio spans core deposit products (checking, savings, money market, CDs, IRAs, HSAs, Coverdell ESAs), consumer lending (auto, HELOC, personal loans, credit cards via partner), residential mortgages (conventional, FHA, VA, USDA, construction), and commercial banking (SBA loans, equipment financing, treasury management including ACH, wires, payroll, merchant services, lockbox, and positive pay fraud prevention). The technology stack consists of a digital banking platform with mobile and online access, Zelle P2P integration, mobile deposit, mobile wallet support (Apple Pay, Google Pay, Samsung Pay), and real-time card controls. Mortgage servicing is outsourced to Dovenmuehle Mortgage Inc. The bank also owns Balboa Capital, a wholly-owned equipment financing subsidiary serving small businesses.
Revenue is generated primarily through net interest income on consumer and commercial lending (auto, mortgage, HELOC, CRE, SBA, business lines of credit), supplemented by non-interest income from deposit service fees (e.g., $8–$20/month checking fees), overdraft and ATM fees, mortgage origination and servicing fees, treasury management fees, and credit card interchange via partner. The commercial credit card (OneCard) supports T&E management. The company monetizes its geographic footprint through relationship banking and cross-selling across deposits, lending, treasury, and specialty banking programs.
Ameris Bank firmographics
Firmographics- Name
- Ameris Bank
- Legal name
- Ameris Bank
- Website
- https://amerisbank.com
- Company type
- Private
- Founded year
- 1971
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Ameris Bank is a 1971-founded regional bank headquartered in Atlanta, operating 434 full-service branches across the Southeast and serving consumers, small businesses, mid-market commercial clients, and 12 specialized industries with deposits, lending, mortgages, and treasury services.
- Ownership category
- akta.pro rank
Ameris Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- General SME & Middle-Market Commercial Banking (FSABABAA)
- akta.pro secondary industries
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), SME Sector/Specialty Banking (Vertical-focused: Healthcare, Agri, Tech, etc.) (FSABABAI)
Keywords
Where Ameris Bank is headquartered
LocationHeadquarters
- HQ city
- Moultrie
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Ameris Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Net Interest Income: Interest income from consumer and commercial lending including auto loans, mortgages, HELOCs, commercial real estate loans, SBA loans, and business lines of credit. Offset by interest paid on deposits.
- Non-Interest Income - Deposit Fees: Monthly service fees on checking and savings accounts (e.g., Benefits Checking $8/month, Interest Checking $20/month), overdraft fees, ATM fees, wire transfer fees, and account service charges.
- Mortgage Banking: Mortgage origination and servicing fees. Servicing handled by Dovenmuehle Mortgage Inc. on behalf of Ameris Bank.
- Treasury Management Services: ACH services, wire transfers, payroll processing, merchant card services, lockbox, and other commercial cash management solutions.
- Credit Cards: Credit card products through external partnership for consumer and business credit cards.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Free Checking - No-cost basic checking account |
| Subscription | Monthly | Benefits Checking - Premium checking with identity protection |
| Subscription | Monthly | Interest Checking - Premium checking with interest earnings |
| Subscription | Monthly | Personal Savings - Basic savings account |
| Subscription | Monthly | Money Market Account - Higher-yield savings with tiered rates |
| One time/ perpetual license | Pay-as-you-go | Certificate of Deposit - Fixed-term savings |
| Subscription | Monthly | Health Savings Account - Tax-advantaged medical savings |
| Other | Pay-as-you-go | Cash Surrender Value LOC - Insurance policy collateral line |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Ameris Bank product offering
Product offeringCore offering
Ameris Bank is a full-service regional community bank operating 434 branch locations across the Southeast and Mid-Atlantic United States. It provides consumer deposit products (checking, savings, money market, CDs, IRAs), consumer lending (auto, HELOC, personal loans, credit cards), residential mortgages (FHA, VA, USDA, conventional, construction), and comprehensive business and commercial banking (business checking, SBA loans, equipment financing, treasury management, merchant services). The bank also offers specialized industry banking for healthcare, agribusiness, dental, veterinary, legal, and municipal sectors.
Product overview
Ameris Bank is a full-service regional financial institution offering a comprehensive suite of banking products and services across consumer, business, and commercial segments. The core product portfolio spans deposit accounts (checking, savings, money market, CDs, IRAs), consumer lending (auto loans, HELOCs, personal loans, credit cards), residential mortgages (conventional, FHA, VA, USDA, construction), and business/commercial banking (checking, lending, treasury management). Digital banking capabilities are offered through online and mobile platforms with card controls and Zelle integration. The bank operates with a hub-and-spoke model: checking and savings accounts form the foundational deposit products, with lending products (mortgage, consumer, business) cross-sold across segments. Specialty banking programs target specific demographics (students, at-work employees, premier clients) and industries (healthcare, agribusiness, legal, municipal). Treasury services including ACH, wire transfers, payroll, and fraud prevention tools serve commercial clients. The institution serves customers in the Southeast and Mid-Atlantic through 434 locations with nationwide access via digital channels.
Differentiator
Problem solved
Functional benefit
Products and services
- Free Checking No-cost basic personal checking account with no minimum balance requirements or monthly service fee. Includes Visa debit card, online banking, mobile banking, Zelle, paperless statements, and bill pay. $50 minimum opening deposit.
- Benefits Checking Premium personal checking account with fraud prevention services including IDProtect identity theft monitoring, credit file monitoring from all three bureaus, cell phone protection up to $400, and $10,000 ID theft reimbursement. $8 monthly service fee ($6 with paperless statements).
Companies that use Ameris Bank
Customer profileNamed customers8 records
Segments4 records
Ideal customer profiles4 records
Ameris Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature4 records
Ameris Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- PaychexminorPaychex payroll partnership referenced on business banking page. Partnership allows business customers to access payroll services through Ameris Bank's business banking platform.
Scale indicators2 records
Recent moves7 records
Expansion highlights6 records
Ameris Bank competitors and assessment
Company assessmentBroad incumbents
- Truist Financial Corporation: Large Southeast-headquartered super-regional bank ($500B+ assets) with full consumer, commercial, and wealth services; a key incumbent competitor across Ameris's footprint in FL, GA, NC, SC, VA.
Direct peers
- Pinnacle Financial Partners: Tennessee-based high-performing commercial banking franchise emphasizing relationship-driven middle-market and SMB banking with strong advisor culture; comparable mid-size regional banking model.
- Cadence Bank: $50B+ asset regional bank with comparable geographic footprint across Southeast and Texas, offering consumer and commercial banking with specialty lending verticals.
- Atlantic Union Bankshares: Virginia-headquartered commercial bank serving Mid-Atlantic and Carolinas with comparable deposit-funded commercial lending model and SBA focus, similar scale to Ameris.
- ServisFirst Bancshares: Alabama-headquartered commercial bank with strong Southeast presence focused on relationship-based commercial and consumer banking; comparable size and lending mix including CRE.
- Tompkins Financial Corporation: Mid-size regional bank offering full-service consumer and commercial banking with specialty verticals (insurance, wealth); comparable community banking model at slightly smaller scale.
- Regions Bank: Mid-size commercial and consumer bank with strong Southeast footprint (headquartered Birmingham, AL) — directly overlaps Ameris's coverage in AL, GA, FL, TN, NC, SC with similar SMB and CRE lending focus.
- WesBanco, Inc. Mid-Atlantic regional bank with comparable commercial and retail banking offering including SBA lending, treasury management, and consumer mortgage products.
- United Community Banks: Georgia-based regional bank with strong Southeast presence in GA, FL, NC, SC, TN and similar commercial/specialty banking approach including SBA Preferred lender status.
- First Horizon Corporation: Southeast and Mid-South regional bank with ~$80B assets focused on commercial banking, specialty lending, and deposits; competes head-to-head in several of Ameris's footprint markets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Ameris Bank social profiles
Digital presenceAmeris Bank compliance and trust
Trust signalCompliance1 record
Ameris Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ameris Bank leadership team
Management profileNumber of profiles
Profiles2 records
Ameris Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
Ameris Bank funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ameris Bank M&A and investment
M&A and investmentM&A5 records
Investments6 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Ameris Bank
What does Ameris Bank do?
Ameris Bank is a full-service regional community bank operating 434 branch locations across the Southeast and Mid-Atlantic United States. It provides consumer deposit products (checking, savings, money market, CDs, IRAs), consumer lending (auto, HELOC, personal loans, credit cards), residential mortgages (FHA, VA, USDA, conventional, construction), and comprehensive business and commercial banking (business checking, SBA loans, equipment financing, treasury management, merchant services). The bank also offers specialized industry banking for healthcare, agribusiness, dental, veterinary, legal, and municipal sectors.
Is Ameris Bank a public or private company?
Ameris Bank is a private company. It is classified as public and is currently operating.
When was Ameris Bank founded?
Ameris Bank was founded in 1971. It employs 1,001 to 5,000 people.
Where is Ameris Bank based?
Ameris Bank is headquartered in Moultrie, United States, in the North America region.
How does Ameris Bank make money?
Five revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income - Deposit Fees, mortgage Banking, treasury Management Services and credit Cards.
Who are Ameris Bank's main competitors?
Truist Financial Corporation is listed as a broad incumbent. Direct peers are Pinnacle Financial Partners, Cadence Bank, Atlantic Union Bankshares, ServisFirst Bancshares, Tompkins Financial Corporation, Regions Bank, WesBanco, Inc., United Community Banks and First Horizon Corporation.
Does Ameris Bank have an API?
No public API is recorded for Ameris Bank.
What industry is Ameris Bank in?
Ameris Bank's product category is Community Banking. Its primary akta.pro industry code is FSABABAA, General SME & Middle-Market Commercial Banking, with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6022.