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Regional bank operating in 8 southeastern states with full-service and mortgage-only locations, offering personal and commercial banking, mortgages, and equipment financing.
Data compiled from public sources
Ameris Bank is a regional financial institution with roots in agriculture that operates across Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee, and Virginia. The bank maintains full-service branch locations in Alabama, Florida, Georgia, North Carolina, and South Carolina, with mortgage-only branches in the additional states of Virginia, Maryland, and Tennessee, allowing them to serve a broader geographic footprint than their physical branch network alone. The bank offers a comprehensive range of financial services including personal checking and savings accounts, mortgage lending (home purchase and refinance), auto loans, construction loans, commercial banking services, equipment financing through Ameris Bank Equipment Finance, treasury services, merchant services, and commercial cards.
They provide both personal and business online banking platforms, mobile banking capabilities, remote deposit services, and loan payment options for mortgages, auto loans, and construction loans. Ameris Bank distinguishes itself through several positioning strategies: emphasis on agricultural roots and commercial lending experience context, free checking accounts with listed pricing, local mortgage experience context marketed as "local experts," treasury services for workflow modernization, and a stated commitment to community investment and financial literacy education. The bank has also developed subsidiary relationships, including Balboa Capital (equipment financing division) and formerly Ameris Bank Wealth Management (now Argent Financial).
As a regional bank, Ameris Bank serves consumers and businesses primarily in the Southeast with traditional banking infrastructure. The institution appears stable and established with routing number documentation and multiple service lines, though as a regional player, it lacks the national branch network of major banks and the fintech innovation of digital-only competitors. Their mortgage-only expansion into additional states suggests strategic growth in lending beyond traditional banking geography.
This is state-level context for Banks consumers in Atlanta, GA. It does not confirm that Ameris Bank or this specific location is licensed.
State regulator
Georgia Department of Banking and Finance
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Ameris Bank processed 14,735 mortgage applications in 2023, with 89.6% recorded as approved across 46 states.
14,735
Applications
89.6%
Approval Rate
$335K
Avg Loan
46
States Served
Based on 14,735 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
According to CFPB data (2023-present), Ameris Bank has a 99.8% response rate to consumer complaints, with 96.8% of those responses delivered within the CFPB's 15-day window. Response rate measures whether the company replied — not whether the consumer's issue was resolved in their favor.
Ameris Bank offers 13 services including Personal checking and savings accounts, Free checking accounts, Mobile banking, Online banking (personal and business platforms), Mortgage lending (home purchase and refinance), and 8 more.
Ameris Bank has profile signals associated with Southeast-based small business owners seeking commercial banking and equipment financing with local relationships, Homebuyers in Alabama, Florida, Georgia, North Carolina, or South Carolina wanting local mortgage experience context, Agricultural businesses and enterprises rooted in or serving southeastern agricultural sector, Regional consumers prioritizing free checking accounts and local branch banking over digital-only banking.
Key strengths: Free checking account with listed, simple pricing structure; Mobile banking for managing finances on-demand across multiple devices; Local mortgage experience context with dedicated mortgage staff context available for consultation. Areas to consider: Limited to 8 southeastern states with no national footprint, constraining accessibility for customers outside region; Full-service branches only in 5 states, limiting in-person banking convenience in Maryland, Tennessee, and Virginia.
In the Banks category, comparable providers include American Pride Bank, Bank of Hancock County, United Community. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Ameris Bank is profile signals for southeastern consumers and businesses seeking traditional regional banking with local experience context, particularly those in agriculture or commercial sectors, or homebuyers in states where they maintain physical mortgage offices. Primary caveat: geographic limitation to 8 southeastern states and full-service branch availability in only 5 states makes this unsuitable for customers outside the region or those requiring in-person banking in Maryland, Tennessee, or Virginia.
Public data from the Consumer Financial Protection Bureau
* Percentage of consumer complaints that received a company response (does not indicate the complaint was resolved in the consumer's favor)
** Percentage of responses delivered within the CFPB's 15-day window
Source: consumerfinance.gov | Last checked 2026-03-24
FDIC-insured bank offering checking, savings, credit cards, and retirement products designed for small business owners and entrepreneurs.
Profile signals: Small business owners and entrepreneurs seeking a bank designed specifically for their needs, Consumers wanting high-yield checking with competitive APY and rewards structure
Locally owned community bank in Sparta, GA offering FDIC-insured checking, savings, money market, and CD accounts plus personal and business loans.
Profile signals: Residents of Hancock County, Georgia seeking personalized banking relationships, Small business owners and entrepreneurs needing local loan services
United Community is an FDIC-insured bank offering personal and business banking, lending, mortgages, and wealth management services across multiple locations including Embry Hills, GA.
Google rating from 130 reviews
Profile signals: Customers seeking full-service banking with both personal and business accounts at a single institution, Small business owners needing listed lending (SBA, USDA, industry-specific programs) and treasury management
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