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Ameris Bank Review

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Ameris Bank Savings
0.05% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Ameris Bank first started operating in 1971 with its headquarters in Moultrie, Georgia. It manages assets of $8 billion as well as deposits totaling $7 billion, ranking it as a large bank. Ameris Bank lacks premium access to support representatives, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. Overall, Ameris Bank is a solid pick to be your bank, with a rating of 4.2 out of 5 stars from the SmartAsset experts. Ameris Bank provides customers with a diverse array of product offerings, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. Ameris Bank has a fair savings rate; other popular banks have higher rates. If you're looking for a checking account for everyday use, the bank's standard checking account does not carry a monthly maintenance charge. Locating a checking account with no monthly fee, in addition to a savings account with a high APY at the same institution is the best option for getting the most income on your deposits alongside easy access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

Ameris Bank has a savings rate of 0.05%, which is poor in comparison to other U.S. banks. Ameris Bank's CDs feature a rate of 1.05% and 2.00% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account earns at a rate of 0.10%. Given its below average savings rate, you should think about choosing another bank to earn more on your deposits.

How Ameris Bank's Savings Rates Compare

Ameris Bank Savings 0.05 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

On average, Ameris Bank charges customers extremely low fees compared to other U.S. banks. Its checking account has no monthly fee, ranking it excellent for anyone looking for a simple account. Ameris Bank does not reimburse out-of-network ATM fees, meaning you will have to search for an Ameris Bank ATM or pay the withdrawal fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Ameris Bank is a brick-and-mortar bank, with 120 total bank locations in Alabama, Florida, Georgia and South Carolina. It also offers access to mobile and web apps for a simple mobile-banking experience. It does not have all-day customer service with actual service representatives. You can get help during its customer service hours, which are Monday through Thursday, 7:00 a.m. to 6:00 p.m. ET; Friday, 7:00 a.m. to 7:00 p.m. ET; Saturday, and 7:00 a.m. to 1:00 p.m. ET. Ameris Bank's online and mobile banking platforms get mediocre marks from users. The Ameris Bank mobile app is rated at 3.2 out of 5 (with 540 reviews on Apple and Android) compared to the national average of 3.8. Ameris Bank's mobile app lets you control your bank accounts by looking at current statements, transferring money and reaching support representatives. Ameris Bank gets a superb consumer satisfaction rating based on relatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating 3.2/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Ameris Bank is currently a large bank owning $8 billion in assets as well as $7 billion in deposits. Ameris Bank has a strong Texas Ratio of 7.22%, indicating a tiny chance of failure. Additionally, Ameris Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Ameris Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.05% APY $100
Checking Account 0.1% APY $1
Certificates of Deposit
  • 12 Month: 1.05% APY
  • 24 Month: 1.35% APY
  • 36 Month: 1.50% APY
  • 48 Month: 1.65% APY
  • 60 Month: 2.00% APY
$1000 for all terms
Money Market Account 0.05% APY $2500

Ameris Bank offers several deposit products like savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Ameris Bank does not have the best savings rate, which means you should think about taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Ameris Bank's CD rates are fair in comparison to other U.S. banks.

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Find a Ameris Bank Near Me

Ameris Bank has 120 physical locations across the U.S.

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