Ameris Bank

Ameris Bank is a US bank offering three business checking accounts: Business Essential Checking, Business Analysis Checking and Business Checking with Interest. The account holder receives online banking and a Visa debit card.

Account lineup Business Essential is designed for moderate activity and includes 300 transactions. The monthly fee is $3, or $0 with e-statements. Business Analysis supports extended treasury management tools for managing receipts, payments and risk. The interest-bearing account costs $20 a month, or $18 with e-statements, and the fee can be waived depending on balance. The opening deposit is $50.

Deposit protection The bank states that it is a member of the FDIC. Statutory coverage limits, ownership categories and eligibility rules apply to any balance held there.

Who it suits Essential fits small firms with a predictable number of monthly entries. Analysis is the logical step for businesses that need cash-management services and have enough volume to benefit from them. Companies with a large balance can compare the waiver conditions on the interest account before choosing. Other charges, such as wires or overdraft fees, are not in the material and should be requested from the bank.