Compared with Georgia
17 of 24
compared fees are above the median.
4 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
55th percentile; peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the Georgia median
of 24 compared; 4 below, 3 about the same
See the feesFee schedule read Apr 21, 2026
Call-report figures are for Ameris Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 95 banks with $10B to $50B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Georgia median | Published fees above the Georgia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Ameris Bank's published fee schedule; Bank Fee Index medians | Current schedule | Apr 21, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.2% of revenue, above the 2.9% median of 95 banks with $10B to $50B in assets (55th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $10.1M in Q2 2026, 11% above the same quarter a year earlier ($9.1M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
17 of 24 compared published fees sit above the Georgia median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Georgia medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 6.3% from Q3 2025 to Q2 2026, to $10.1M. Its share of revenue, 3.2%, is above the 2.9% median for banks with $10B to $50B in assets.
$10.1M
Ameris BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 95 banks with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $2 to $3; we compare the midpoint.
Ameris Bank · $28.4B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Ameris Bank(this institution) | Atlanta, GA | $28.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ameriprise Bank, FSB | Minneapolis, MN | $25.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Arvest Bank | Fayetteville, AR | $28.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Axos Bank | San Diego, CA | $28.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Hawaii | Honolulu, HI | $23.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Centennial Bank | Conway, AR | $24.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| City National Bank of Florida | Miami, FL | $29.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Customers Bank | Malvern, PA | $26.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Eastern Bank | Boston, MA | $31.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Hawaiian Bank | Honolulu, HI | $23.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Interstate Bank | Billings, MT | $25.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First National Bank of Omaha | Omaha, NE | $34.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Fulton Bank, National Association | Lancaster, PA | $32.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Glacier Bank | Kalispell, MT | $31.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| OceanFirst Bank, National Association | Toms River, NJ | $23.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Provident Bank | Jersey City, NJ | $25.7B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Renasant Bank | Tupelo, MS | $27B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sallie Mae Bank | Salt Lake City, UT | $28.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Simmons Bank | Pine Bluff, AR | $24.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| TD Bank USA, National Association | Wilmington, DE | $32.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Capital Bank | Dallas, TX | $33.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank | Fairfax, VA | $33.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Community Bank | Greenville, SC | $29B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| WaFd Bank | Seattle, WA | $27.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| WesBanco Bank, Inc. | Wheeling, WV | $27.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wilmington Savings Fund Society, FSB | Wilmington, DE | $22.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $45, against a peer median of $13 among 16 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Ameris Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $10.1M | +$239K | +2.4% |
| Q1 2026 | $9.9M | +$356K | +3.7% |
| Q4 2025 | $9.5M | +$9K | +0.1% |
| Q3 2025 | $9.5M | +$393K | +4.3% |
| Q2 2025 | $9.1M | +$340K | +3.9% |
| Q1 2025 | $8.8M | +$63K | +0.7% |
| Q4 2024 | $8.7M | −$55K | −0.6% |
| Q3 2024 | $8.8M | +$340K | +4.0% |
Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 95 reported a share above 0% and are counted, Ameris Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Ameris Bank by share.
Amounts from Ameris Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per item
per month
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance Fee (audience not stated, treated as personal) | $45Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| New Account Closing within 90 Days | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research (per hour) (audience not stated, treated as personal) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Undeliverable Address (one-time charge) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Return Item Fee (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Extended Overdraft Fee (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
ATM & Card | |||
| ATM Balance Inquiry (audience not stated, treated as personal) | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Withdrawal or Transfer (audience not stated, treated as personal) | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Non-Network ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Debit Card Replacement (in branch) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited Card and PIN (by mail) | $100Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Expedited Card Only (by mail) | $65Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Expedited PIN Only (by mail) | $36Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| WIRE TRANSFERS: Domestic Outgoing (branch assisted) | $35Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic - Incoming Wire Fee | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International - Incoming Wire Fee | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Converting Official Check (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Checks – Customer (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks (per 12) | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| ATM or Debit Card Replacement: Check Cashing Fee (non-customer) | $8Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Copies (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination Monthly Maintenance Fee (audience not stated, treated as personal) | $35Not compared: Monthly charge, not per item | per month | None |
| ACH Payments - template (per item) (audience not stated, treated as personal) | $0.21Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Same-Day ACH (per item) (audience not stated, treated as personal) | $1.25Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| ACH Return Items (audience not stated, treated as personal) | $7Below the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
| Bill Pay - Expedited Check Payment | $25Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay - Expedited Electronic Payment | $15Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Zelle Credit Fee (per item) (audience not stated, treated as personal) | $0.40Not compared: Per-item charge, not monthly | per item | None |
Cash & Deposit | |||
| Deposit Return Item (per item returned) | $12Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Lost/Duplicate Key | $30Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Drilling | $250Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Late Rental Payment | $10Not compared: Box drilling or key fee | Not stated | None |
| Garnishments and Levies | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Deposit Account Verification (audience not stated, treated as personal) | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Closing and IRA Transfer | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copies (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Apr 21, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Ameris Bank operates, and what regulators and customers have on file.
Branch footprint
166 offices in 5 states, $22.7B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| 59 | $9.2B | |
| Outside a metro area | 30 | $3.2B |
| 18 | $2.4B | |
| 7 | $975.6M | |
| 5 | $772.2M | |
| 7 | $635.3M | |
| 1 | $596.9M | |
| 3 | $553.5M |
Atlanta-Sandy Springs-Roswell, GA
3.6% of bank deposits, #6 of 81, up 0.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Truist Bank | 23% |
| Bank of America, National Association | 19.8% |
| Wells Fargo Bank, National Association | 14.8% |
| Pinnacle Bank | 6.7% |
| JPMorgan Chase Bank, National Association | 5.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Atlanta-Sandy Springs-Roswell, GA, Ameris Bank holds 3.6% of bank deposits, #6 of 81, with 59 offices.
900 offices of 32 institutions shown.
Showing 900 of 1,269 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 81 institutions shown. $255.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 3.6% share, 59 offices, #6 of 81
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
230 offices of 52 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
96 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 24 |
| Trouble during payment process | 14 |
| Incorrect information on your report | 9 |
| Struggling to pay mortgage | 9 |
| Closing an account | 5 |
| Problem caused by your funds being low | 4 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
Ameris Bancorp (NYSE: ABCB)
Consolidated assets
$28.5B
Shareholders' equity
$4.1B
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 351569. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.