Ameris Bank

Commercial bank · Atlanta, United States

Ameris Bank is a Georgia-chartered commercial bank headquartered in Atlanta and owned by Ameris Bancorp, listed on the NYSE as ABCB. It held USD 28.4 billion of assets and USD 22.7 billion of deposits at 30 June 2026 across 176 offices. Full-service branches sit in Georgia, Alabama, Florida, North Carolina and South Carolina, with mortgage-only offices in three more states. For businesses it sells three checking accounts, treasury packages covering ACH origination, positive pay and remote deposit, merchant card acceptance, commercial cards and domestic and international wires in US dollars.

Legal name: Ameris Bank
Regulated by: FDIC (primary federal regulator, certificate 20504), Georgia Department of Banking and Finance (state charter)
Licence confirmed: yes, on a regulator's own list
Established: 1971
Website: www.amerisbank.com

Scores, 0 to 10

7.0Lowest fees

Business Essential Checking costs USD 3 a month or nothing with e-statements, opens with USD 50, has no minimum balance and gives 300 free items a month. · source

7.0Financial strength & stability

USD 28.4 billion of assets and USD 22.7 billion of deposits at 30 June 2026 with FDIC insurance, and parent Ameris Bancorp earned USD 358.7 million in 2024. · source

6.0United States

FDIC-insured Georgia state charter with 176 offices and USD 22.7 billion of deposits at 30 June 2026, but full-service branches cover only five southeastern states. · source

5.5Fast digital onboarding

Business Essential Checking has an Open Account link for online application with a USD 50 opening deposit, while Business Analysis Checking directs the applicant to find a branch or business banker. · source

5.0Business cards (Visa, Mastercard)

An Ameris Bank Visa business debit card comes with Business Essential Checking and a Commercial Card handles payables, but no virtual cards or per-card spend controls are published. · source

5.0On-ramp: buy crypto with fiat

Evidence is thin: Ameris publishes no rule on payments to crypto exchanges, its business online banking agreement has no crypto clause, and no reports of blocked exchange transfers were found, checked September 2026. · source

5.0Off-ramp: crypto to fiat in a business account

Evidence is thin: no source-of-funds process for crypto proceeds is published and no reports of returned exchange wires at Ameris were found, checked September 2026. · source

4.0Cross-border payments, FX and multi-currency accounts

Online business wires can be sent internationally but only in US dollars, there is no multi-currency account, and the International and Foreign Exchange page redirects to a general commercial banking page. Treasury packages give ACH credit origination of 25 or 50 items a month, ACH Positive Pay, remote deposit and two online domestic outgoing wires a month, but there is no multi-currency account or cash pooling. · source

4.0Best interest on business balances

Business Checking with Interest needs a USD 10,000 average daily balance to avoid a USD 20 monthly fee and the bank publishes no rate on that page and no treasury sweep for small balances. · source

4.0Online businesses: e-commerce and SaaS

Merchant Card Services handle card acceptance and settlement, but there are no foreign-currency collection accounts and no marketplace payout product. Online banking covers ACH, wires and remote deposit with no foreign-currency receiving accounts, no published API and no accounting integrations named on the business pages. · source

4.0Startups & VC-backed companies

Business Essential Checking names startups among its target customers but the bank publishes no venture debt, cap table or founder programme. · source

3.0Crypto-friendly bank

The business banking pages describe checking, treasury, merchant and lending products and publish no policy on banking crypto exchanges, brokers or miners. · source

3.0Customer satisfaction

Trustpilot rates Ameris Bank 2 out of 5 and labels the score Poor. · source

3.0High-risk verticals (iGaming, cannabis, adult, forex)

The bank publishes no policy on gambling, cannabis, adult or foreign exchange broker clients anywhere in its business banking pages. · source

2.5Fintech companies that need a partner bank

The treasury services range covers payables, receivables and fraud tools with no safeguarding accounts, BIN sponsorship or agency banking offer for payment firms. · source

2.5Trade, manufacturing & import-export

No letters of credit, guarantees or documentary collections appear in the treasury or commercial pages; cross-border support is limited to US dollar wires. · source

2.0Foreign-owned & non-resident companies

Business banking is described for companies in Alabama, Florida, Georgia, North Carolina and South Carolina and the bank publishes no path for companies owned or directed from abroad. · source

1.0Crypto wallet and custody for a business

Ameris's business pages list checking, loans, cards, merchant services, payroll and treasury services with no crypto custody, checked September 2026. · source

1.0Accept crypto payments

Ameris merchant services are card processing with no crypto or stablecoin acceptance on its business pages, checked September 2026. · source

1.0Bitcoin

No bitcoin buying, holding or transfer at Ameris for business clients, checked on its business pages September 2026. · source

1.0Ethereum

No ether product at Ameris for business clients, checked on its business pages September 2026. · source

1.0Stablecoins (USDC, USDT and others)

No stablecoin accounts, payouts or settlement role at Ameris, checked on its business pages September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.