Wonderful Place To Bank

I became an Ameris Bank customer in 2011 and what an awesome experiance it has been.  When i walk into the bank i am immediatley greeted by the wonderfully happy tellers that work at Ameris.  My business is always handled quickly and are accurate.  There are abosultely no hidden fees and customers are treated with the utmost respect.  Online Bill Pay is absolutley free and very easy to use.  Their website is awesome and very easy to navigate.  Ameris Bank has thouroughly impressed me and will have my business always!  I highly reccomend becoming a member of this wonderful, fast growing Community Bank.

Finally A Bank That REALLY Shows They Want Your Business

Posted by: Anonymous | Dec 22, 2011

While big banks are getting more of our hard earned money in fees... Ameris is doing just the opposite...they are getting the big banks clients! Hats off to the Greenville branch...not only did the bank manager consistently follow up with me, he continued to show me how they could save, not only my business money, but personally too! Needless to say...I am an Ameris client. And so are 4 of my staff! I love the personal touch, quick answers to questions, and they follow up on those answers. Thank You Scott and your staff! Love banking with you! Michele - Studio M

Good local bank

Posted by: Rheosol | Nov 2, 2017

I have banked with Ameris for years and they are a very good local bank. I am surprised that they have not issued chip cards yet, but I hope they will do that in the near future. The bank has that hometown feel in which it offers refreshments and friendly faces behind the counter. I have not seen any errors with my accounts with this Bank. During the one time I encountered fraud with my account; the bank reimbursed me within days and took preventative action right away. The handling of cashier checks is done quickly and efficiently, deposits are made very easily without the use of a deposit slip.

Avoid Ameris

Posted by: BenPainter | Feb 9, 2018

Ameris bought my mortgage about 8 months ago. The first entry to my account was an error. They insisted that I had not paid my last mortgage payment to the previous servicer. (which was not the case) So they tried to charged me interest for that month even though I had already paid that month with the previous servicer. Dozens of phone calls to Customer Service, 4 phone calls with Supervisors, 3 formal "inquiries" over the next five months and they could not figure out the mistake. They kept coming back with "no you didn't pay that previous month". Even after I supplied bank statements AND statements from my previous servicer showing that payment was made. Finally, after about 5 months they assigned an individual to my account to try to get it resolved. Within a couple of days a dozen or so "corrections" appeared. Unfortunately, those were not correct and actually made it worse. After going back and forth, explaining and pointing out their mistakes and providing backup... about a month later they credit back to the starting point and re allocated the 5 months of payments. And they did it correctly. So after having 15 people tell me that my account was correct, they finally got it right. I almost felt they were just trying to wear me down and let it go.

So for two weeks all is well. During the time that they were trying to resolve the above problem, I got a notice from them that they were going to require me to have flood insurance. I have not had it with either of the two previous servicer, so not sure I buy that my flood rating was changed. But, after what we saw to those poor folks in Houston last year, we decided not to argue the point and just get it. We had to have another inspection and got some quotes. Prior to the 45 day period that they stated I needed flood insurance by, I decided to go with a specific insurance. I spent the next 30 days on two conference calls with their insurance department and my insurance agent. had 3 or 4 calls myself, and my agent bugging them every other day for payment. Except, they continued to not pay the insurance payment out of my escrow funds for about a month. In the mean time they placed "forced placed" insurance (at about 10 times what my regular flood was). After continuously requesting they pay the premium, they paid late and then hit me with forced place. After two weeks of calls emails and complaints, they credited a prorated amount. So I got ripped off because they couldn't make a payment as requested.

All the while I had phone calls, conference calls and many many emails. The epitome of their terrible service is I would send an email asking 4 questions (to the person assigned to my account) and maybe a week or so later I would get a response not answering any of my questions. A normal response would be something like "I have sent the required information to the appropriate department". Maybe times it would take (up to 4) emails, with each one more direct and demanding to get a response.

Do not do business with this bank in any manner. Checking, Savings, Mortgage whatever. They are terrible!!! Many times I got different answer to the same question even among supervisors.



Health Grade Components

FDIC Certificate #20504
Year Established1971
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.36%
Return on Equity - YTD10.24%
Annual Interest Income$413.2MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$11.36B$7.83B
LoansQ4 2018vs Q4 2017$8.59B$6.22B
DepositsQ4 2018vs Q4 2017$9.66B$6.63B
Equity CapitalQ4 2018vs Q4 2017$1.60B$953.8MM
Loan Loss AllowanceQ4 2018vs Q4 2017$28.8MM$25.8MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$41.9MM$34.2MM
Real Estate OwnedQ4 2018vs Q4 2017$33.1MM$34.9MM
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Ameris Bank CD Rates

1.50%$1k-36 Month Online CD
1.35%$1k-24 Month Online CD
1.20%$1k-18 Month Online CD
1.05%$1k-12 Month Online CD
0.50%$1k-6 Month Online CD


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