Ameris Bank

Headquarters: Atlanta, Georgia
Charter: Bank
Assets: $28.4B
Fed district: Atlanta
Regulator: FDIC
Holding company: Ameris Bancorp

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

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

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Apr 21, 2026

How these figures are measured

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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: FFIEC call report (bulk data)
Entity: Ameris Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

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.

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.

Fee income beside fee prices

Service-charge income rose 6.3% from Q3 2025 to Q2 2026, to $10.1M.

Service-charge income, Q2 2026

$10.1M

$9.5MQ3 2025

$9.5MQ4 2025

$9.9MQ1 2026

$10.1MQ2 2026

Against the median

Ameris BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

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.

Banks only
$22.6B to $34.2B in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $32 (246%) above the median of similar-sized banks.

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

Ameris BankPeer (equal prices stack)Peer medianInclude $45 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Ameris Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $10.1M
vs prior quarter: +$239K+2.4%; from Q1 2026
vs a year earlier: +$997K+10.9%; from Q2 2025
vs start of range: +$1.3M+15.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Ameris Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

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%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

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.

Branches and public record

Where Ameris Bank operates, and what regulators and customers have on file.

Market position

In Atlanta-Sandy Springs-Roswell, GA, Ameris Bank holds 3.6% of bank deposits, #6 of 81, with 59 offices.

Compare fees with the 91 Atlanta-Sandy Springs-Roswell, GA banks and credit unions in its home-metro peer set →

Offices in the metro

900 offices of 32 institutions shown.

Ameris BankOther banksCredit unions

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).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Atlanta-Sandy Springs-Roswell, GA metro (FDIC metro code 12060), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 30 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Truist Bank23.0%
2Bank of America, National Association19.8%
3Wells Fargo Bank, National Association14.8%
4Pinnacle Bank6.7%
5JPMorgan Chase Bank, National Association5.2%
6Ameris Bank3.6%
7RBC Bank, (Georgia) National Association3.3%
8Regions Bank2.6%

8 of 81 institutions shown. $255.1B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Atlanta-Sandy Springs-Roswell, GA metro (FDIC metro code 12060)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

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.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Atlanta-Sandy Springs-Roswell, GA metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

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

Mortgage
Checking or savings account
Credit reporting or other personal consumer reports
Vehicle loan or lease
Other

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.

Fee change alerts

Get an email when Ameris Bank's safe deposit box changes in our data

We check once a day and send one email covering every change.