Estate planning at Ameris Bank

Yes. Deposit accounts (checking, savings, CDs, and money market accounts) can be retitled to a revocable living trust. Visit an Ameris Bank branch with your trust agreement or Certification of Trust and government-issued ID to complete the retitling process. A revocable trust typically uses the grantor's SSN rather than a separate EIN.

IRAs cannot be titled to a trust. However, you can name your trust as the beneficiary of your Traditional IRA or Roth IRA. Consult a tax advisor before doing this, as there are significant tax implications for distributions to trust beneficiaries.

Ameris Bank operates full-service branches in Alabama, Florida, Georgia, North Carolina, and South Carolina, with mortgage-only locations in Virginia, Maryland, and Tennessee. The highest concentration of branches is in Georgia and Florida.

Ameris Bank's wealth management and trust services are now provided through Argent Financial Group, an independent fiduciary wealth management firm with responsibility for over $40 billion in client assets. Argent can serve as corporate trustee or executor and provides trust administration, estate planning, and charitable planning services. Contact Argent at 1-800-375-4646 or visit amerisbank.com/Wealth for more information.

Ameris Bank offers three personal checking accounts: Free Checking (no monthly service fee, no minimum balance), Benefits Checking (includes IDProtect identity theft monitoring, credit file monitoring, and cell phone protection up to $400), and Interest Checking (earns interest, all ATM fees reimbursed nationwide, option to increase CD rate once during the term). All three accounts include Zelle, online and mobile banking, and debit card access.