Ameris Bancorp is a financial holding company. Through its subsidiary, Ameris Bank, Co. provides a range of banking services to its retail and commercial customers in Georgia, Alabama, Florida and South Carolina. Co. provides agricultural loans, commercial business loans, commercial and residential real estate construction and mortgage loans, consumer loans, revolving lines of credit and letters of credit. Co. also provides a range of deposit accounts and services to both retail and commercial customers, which include commercial and retail checking accounts, regular interest-bearing savings accounts, money market accounts, individual retirement accounts and certificates of deposit.