Ameris BankReviews of amerisbank.com

Ameris Bank keeps denying my legitimate mobile deposits. My husband and I own a small tree service company. Every penny counts. Our tree clients are repeat clients for the past 20 years. I should be able to mobile deposit their checks without issues. I'm calling corporate tomorrow and try to figure out what issue is! My husband and I don't understand!! 😡

They will not verify if they issued a $29,000 cashiers check. In a day and age where people are falsifying anything and everything, it's my job to call an issuing bank to make sure THEY wrote this check, but they will not confirm. I'm not sure how we are to do our due diligence, protecting clients from fraud, if the issuing bank can't even take a few minutes to look at their system to ensure THEY WROTE THE CHECK. Places all over the US do it. Unsure why Ameris feels it's not safe.

Came in to deposit an e-check from work at a local Ameris Bank branch located at 790 N Ponce De Leon Blvd in St. Augustine, FL. The teller refused, said they couldn't do, they didn't have the ability, I thought that was strange for a bank not to have the capability to deal with e-checks and be that inconvenient, so when i questioned that, their assistant manager, Sue Ferrell, was nearby and decided to get involved, and just started telling me off, sarcastically asking me "how are we going to print that????", "we don't have the ability to print!" I got irritated with her unprofessional and offensive demeanor and tone of voice, with her incompetence and stupidity, and quickly realized speaking to her was a waste of time and just walked away as she was still yapping at me. I went to another bank I use, Vystar, within 2 minutes they had my check printed and deposited, didn't even bat an eyelash. I came back to the branch to move most of my finances to Vystar and use them from that point on, I attempted to speak to Sue about her inappropriate behavior, but instead of apologizing, she became aggressive, confrontational and provoked me into a verbal altercation. I decided I wanted to close my account instead, and Sue, then, completely lost her mind, yelled for me to "GET OUT!", yelled at me to "SHUT YOUR MOUTH!!", and then started threatening me that if I "didn't shut my mouth, she was going to create me more trouble", and threatened me with police (lol) ...I stood my ground, refusing to leave until I had withdrawn all my money from that bank. I then told her that I will file a complaint with the corporate office, and they will be able to see our conversation and her DEPLORABLE behavior on cameras, she literally laughed at that and shouted "OUR CAMERAS DON'T HAVE MICROPHONES!" That's the explanation for this disgusting woman's behavior, no fear of repercussions, and it's a small local Ameris branch, it's very likely they are all friends, so she'll make sure her co-workers will back up her version of events, so speaking to her superior was going to be pointless. She also actually never validated my identity, as I only had my debit card, she never double-checked with me about the closure of my account, didn't get any signatures, instead, she became vindictive, took my debit card from a banker, ran off into her office and closed my account on her own. I was disrespected, verbally assaulted, and offended by the assistant manager, Sue Ferrell, at this branch, and I'm appalled that a vile trash like this woman, who allows herself to behave so reprehensibly towards people, has no control over herself, can be allowed to work and represent a bank, and hold a manager's position!! She should be medicated and locked up in a straight jacket instead.

Ameris Bank. Stay Away! We have been doing business with Ameris Bank for over 29 years! We’ve never once had any fraudulent activity with our accounts at all within that timeframe. That all changed, and the bank then treated us terribly! Recently, two fraudulent transactions appeared in our online banking. Each was over $7,000. Both transactions were extremely suspicious, and the bank should have easily caught them: 1) They were posted as Bill Pay which we have never used. 2) The transactions were posted at odd times of the day, approximately 3 a.m. in the morning. 3) Both large transactions were posted a day apart, two days in a row. 4) The transactions were both to Apple Pay, which we’ve never used. 5) Both were in amounts we had never paid out, and also never in two days in a row. One of these circumstances should have been a RED FLAG to the bank. We had 5 red flags! The bank should have caught this immediately and flagged them as possible fraudulent transactions. They did not! I am not sure what their security measures and protocol are, but they should have caught these fraudulent transactions. We contacted the bank immediately when we noticed these transactions, in fact it was on the day the second fraudulent transaction was going through. We talked to Michele Johnson, the Branch Manager of the Roswell, Crabapple location. She assured us that she’d stop the second transaction from going through and that she’d report the first one so that we could get our money back. She said, “don’t worry about this, we’ll get through this.” She came back a couple days later and said she wasn’t able to stop the second transaction from going through. The bank did their “Investigation,” without gathering any information whatsoever from us. It was a one-sided investigation. Ten days later we received a “Notice of Final Determination” letter from Ameris Bank, informing us that these fraudulent transactions were our fault and they were not going to refund our money. The letter then stated that we could request “copies of the documents that were relied on to make their determination”. We requested to see these documents. We called Michele Johnson asking her several times for the documents. She did not return our calls. She had her regional SVP Sam Crowe call us instead. We asked him for the documents they based their decision on and he said he’d email them to us. After several more phone calls, texts and emails to Sam he still did not provide the documents we asked for. We also called back Michele Johnson again asking her for the documents and she said she’d have someone contact us. At this point it had now been over two weeks since they wrote the letter denying our funds and we were still unable to get any information from them that would indicate why they refused to refund our money! After getting nowhere and getting the runaround from everyone we spoke to, we told Michele Johnson we wanted to file a formal complaint with the bank. She said she’d have someone call us to process our complaint. We received no call or contact from the bank. We emailed her two additional times within a three-week timeframe to have someone contact us. We received no response from her whatsoever. And no one from the bank contacted us at all! Ameris Bank has an obligation to provide documents to its customers that it relied on to determine refusal of a refund for a fraudulent transaction… and within a timely manner. Ameris Bank also has an obligation to provide its customers with security measures that will protect the funds entrusted to the bank. However, in the end, Ameris Bank laid the blame on us for the fraudulent transaction and takes no responsibility whatsoever. After doing business with the bank for 29 years, this is how they treat us! Buyer beware! This bank has no concern for you as a person, a human being or even a customer. You’re just another dollar sign in their eyes. Stay away… and run far, far away from this bank!!

⭐ Trustpilot Review – 1 Star Title: 15 Months of Delays, Vague Denials, and No Accountability I had a deeply disappointing experience with Ameris Bank during a 15+ month attempt to refinance my primary residence. Despite full cooperation, repeated document submissions, and even receiving an initial approval, Ameris ultimately denied my request without any transparency or clear reasoning. They cited vague terms like “global debt coverage” (which applies to business loans, not personal mortgages) and used SBA-related logic to justify denying a personal home refinance. When I requested clarification and underwriting documentation, EVP James LaHaise responded that they would “not be providing any additional information.” No explanation, no transparency, no accountability. I’ve filed a formal complaint with the Consumer Financial Protection Bureau (CFPB) and California regulators, and I’ve notified HOTWORX Corporate (as I was the one who originally introduced Ameris through a franchise partnership). Their refusal to act professionally has not only delayed my ability to refinance but also damaged trust across multiple stakeholders. If you’re considering Ameris Bank for personal or franchise lending — proceed with caution. They do not operate with the level of professionalism or consumer care expected from a regulated financial institution.

Terrible customer service. After 15 years customer. I was robbed and they dispute charges,,,,,after they notified me of fraudulent activity As of today I have not received replacement debit card, almost a month after incident. I noted other customers remarks regarding inability to use cards in Europe, despite notifying Ameris prior to trip. In the process of switching to another bank. Should have done sooner.

I contacted the bank yesterday to make sure they do not decline my card during travel. I went to purchase items today and my card was declined. I will be closing my bank account ASAP upon arrival home. This is the 2nd trip Ameris Bank has ruined my trip. I’ve been with Ameris bank for over 10 years. I am fed up. I will go to Bank of America where they have customer service 24/7.

If I could give zero stars I would. I have a client looking to purchase a home. The client is a more than well qualified buyer. Needless to say the loan officer hasn't been proactive until a foot was stuck in his ass. The underwriter is slow and keeps asking for things he already has. I will never ever refer a client to ameris bank.