Ameris Bank

Headquarters: Atlanta, Georgia
Charter: Bank
Assets: $28.4B
Fed district: Atlanta

26 published fees; none has a market median to compare yet.

Source: its fee schedule, read Apr 21, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Ameris Bank: $45
Ameris Bank: $45
U.S. median: no median
Overdraft (OD)
Ameris Bank: $35
Ameris Bank: $35
U.S. median: no median
NSF / Returned Item
Ameris Bank: $35
Ameris Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Apr 21, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Georgia: Banks and credit unions headquartered in Georgia that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Ameris Bank’s own schedules, with a source for each figure.

Account Maintenance

Maintenance Fee (audience not stated, treated as personal)$45
New Account Closing within 90 Days$30
Dormant Account Fee$5
Account Research (per hour) (audience not stated, treated as personal)$30
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Address (one-time charge)$5

Overdraft & NSF

Overdraft Fee$35
NSF Return Item Fee (audience not stated, treated as personal)$35
Extended Overdraft Fee (audience not stated, treated as personal)$35

ATM & Card

ATM Balance Inquiry (audience not stated, treated as personal)$3
ATM Withdrawal or Transfer (audience not stated, treated as personal)$3
Non-Network ATM$2
per item
Debit Card Replacement (in branch)$5
Expedited Card and PIN (by mail)$100
Expedited Card Only (by mail)$65
Expedited PIN Only (by mail)$36

Wire Transfers

WIRE TRANSFERS: Domestic Outgoing (branch assisted)$35
Domestic - Incoming Wire Fee$20
International - Incoming Wire Fee$20

Check Services

Converting Official Check (audience not stated, treated as personal)$10
Official Checks – Customer (audience not stated, treated as personal)$10
Stop Payment$35
Counter Checks (per 12)$5
ATM or Debit Card Replacement: Check Cashing Fee (non-customer)$8
Check Copies (audience not stated, treated as personal)$5

Digital & Electronic

ACH Origination Monthly Maintenance Fee (audience not stated, treated as personal)$35
Not compared: Monthly charge, not per item
per month
ACH Payments - template (per item) (audience not stated, treated as personal)$0.21
per item
Same-Day ACH (per item) (audience not stated, treated as personal)$1.25
per item
ACH Return Items (audience not stated, treated as personal)$7
Bill Pay - Expedited Check Payment$25
Bill Pay - Expedited Electronic Payment$15
Zelle Credit Fee (per item) (audience not stated, treated as personal)$0.40
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Deposit Return Item (per item returned)$12
per item

Account Services

Lost/Duplicate Key$30
Not compared: Box drilling or key fee
Safe Deposit Box Drilling$250
Not compared: Box drilling or key fee
Safe Deposit Box Late Rental Payment$10
Not compared: Box drilling or key fee
Garnishments and Levies$100
Deposit Account Verification (audience not stated, treated as personal)$25

Retirement & IRA

IRA Closing and IRA Transfer$25

Other Fees

Statement Copies (audience not stated, treated as personal)$5

Fee	Amount	Basis	Note
Account Maintenance
Maintenance Fee (audience not stated, treated as personal)	$45	Not stated	None
New Account Closing within 90 Days	$30	Not stated	None
Dormant Account Fee	$5	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)	$5	Not stated	None
Overdraft & NSF
Overdraft Fee	$35	Not stated	None
NSF Return Item Fee (audience not stated, treated as personal)	$35	Not stated	None
Extended Overdraft Fee (audience not stated, treated as personal)	$35	Not stated	None
ATM & Card
ATM Balance Inquiry (audience not stated, treated as personal)	$3	Not stated	None
ATM Withdrawal or Transfer (audience not stated, treated as personal)	$3	Not stated	None
Non-Network ATM	$2	per item	None
Debit Card Replacement (in branch)	$5	Not stated	None
Expedited Card and PIN (by mail)	$100	Not stated	None
Expedited Card Only (by mail)	$65	Not stated	None
Expedited PIN Only (by mail)	$36	Not stated	None
Wire Transfers
WIRE TRANSFERS: Domestic Outgoing (branch assisted)	$35	Not stated	None
Domestic - Incoming Wire Fee	$20	Not stated	None
International - Incoming Wire Fee	$20	Not stated	None
Check Services
Converting Official Check (audience not stated, treated as personal)	$10	Not stated	None
Official Checks – Customer (audience not stated, treated as personal)	$10	Not stated	None
Stop Payment	$35	Not stated	None
Counter Checks (per 12)	$5	Not stated	None
ATM or Debit Card Replacement: Check Cashing Fee (non-customer)	$8	Not stated	None
Check Copies (audience not stated, treated as personal)	$5	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)	$0.21	per item	None
Same-Day ACH (per item) (audience not stated, treated as personal)	$1.25	per item	None
ACH Return Items (audience not stated, treated as personal)	$7	Not stated	None
Bill Pay - Expedited Check Payment	$25	Not stated	None
Bill Pay - Expedited Electronic Payment	$15	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)	$12	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	$100	Not stated	None
Deposit Account Verification (audience not stated, treated as personal)	$25	Not stated	None
Retirement & IRA
IRA Closing and IRA Transfer	$25	Not stated	None
Other Fees
Statement Copies (audience not stated, treated as personal)	$5	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

Correct a fee source

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.

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