How to name beneficiaries and fund a trust at Ameris Bank
Covers 9 deposit, 2 retirement, and 7 lending accounts — beneficiaries must be updated in-branch
Customer Service Center
Phone1-866-616-6020
Mailing Address
Ameris Bank, P.O. Box 105075, Atlanta, GA 30348
WebsiteLearn more→
Customer Service Center (Death Notifications)
Phone1-866-616-6020
Mailing Address
Ameris Bank, P.O. Box 105075, Atlanta, GA 30348
Mortgage Servicing (Dovenmuehle)
Lost/Stolen Debit Cards
WebsiteNotify online→
Verified Jul 2026
The key to protecting your Ameris Bank accounts is making sure each one has a transfer mechanism in place—either a beneficiary designation or trust ownership. Without one, the account goes through probate, adding time, cost, and court involvement for your family.
Ameris Bank has 18 product types, and the estate transfer rules differ across them. Some support Payable on Death (POD) designations, some can be retitled into a trust, and others will require probate if nothing is set up. Each is covered below.
Ameris Bank Free CheckingAmeris Bank Benefits CheckingAmeris Bank Interest CheckingAmeris Bank Personal SavingsAmeris Bank Personal Money MarketAmeris Bank Health Savings Account (HSA)Ameris Bank Coverdell Education Savings AccountAmeris Bank Certificate of DepositAmeris Bank Minor Savings
1
Visit an Ameris Bank branch with government-issued photo ID
2
Request to add a POD beneficiary to your deposit account
3
Provide beneficiary information:
- Full legal name, date of birth, Social Security Number, and relationship
- Percentage allocation if naming multiple beneficiaries
4
Review and sign the beneficiary designation form with a banker
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Named beneficiaries override your will for the designated accounts
- Beneficiary designation is available for personal checking, savings, CD, and money market accounts
- IRA beneficiary designations are handled separately from deposit account POD designations
Sources
Data sourced from Ameris Bank primary sources (28 pages reviewed). How we research.
Download these Ameris Bank instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Ameris Bank primary sources. Bring it to the branch or keep it beside the phone.
Customer Service Center
Phone1-866-616-6020
Mailing Address
Ameris Bank, P.O. Box 105075, Atlanta, GA 30348
WebsiteLearn more→
Customer Service Center (Death Notifications)
Phone1-866-616-6020
Mailing Address
Ameris Bank, P.O. Box 105075, Atlanta, GA 30348
Mortgage Servicing (Dovenmuehle)
Lost/Stolen Debit Cards
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Ameris Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
