Frequently Asked Questions About Ameris Bank Routing Numbers
Why does Ameris Bank only have one routing number for all states?
Despite operating in eight states with over 160 branches, Ameris Bank uses a single routing number (061201754) for all transaction types and all locations. This streamlined approach was maintained even as the bank expanded from its 1971 origins in Moultrie, Georgia, through 35 mergers and acquisitions. The bank consolidated its operations under one routing system rather than maintaining separate numbers from acquired institutions. This makes banking simpler for customers who can use the same routing number for ACH transfers, wire transfers, direct deposits, and check processing, regardless of which branch they opened their account at or which state they now live in.
What are the wire transfer fees at Ameris Bank?
Ameris Bank charges different rates depending on how you process your wire transfers. For business customers using online banking, domestic outgoing wire transfers cost $20, while branch-assisted domestic wires cost $35. International outgoing wires cost $30 online or $50 at a branch. Incoming domestic wire transfers cost $20, and incoming international wires also cost $20. These fees can add up quickly for businesses making regular B2B payments. For businesses sending 10 or more wires per month, ACH transfers provide a more cost-effective option for recurring payments where same-day delivery is not required.
Does Ameris Bank offer same-day ACH transfers?
Yes, Ameris Bank offers same-day ACH processing for business customers at $1.25 per item, providing faster settlement than standard ACH processing which is free. This provides a middle ground between free standard ACH (1-3 business days) and expensive wire transfers (same-day). For businesses that need faster than standard ACH but want to avoid the $20-$50 wire transfer fees, same-day ACH at $1.25 per transaction can be a cost-effective solution for moderately urgent payments.
Can I use Ameris Bank routing numbers for international transfers?
Yes, for incoming international wire transfers to your Ameris Bank account, you will need to provide the sender with Ameris Bank's routing number (061201754) and SWIFT code (FITYUS33). For outgoing international wire transfers from Ameris Bank, you can send them through online banking for $30 or at a branch for $50. The SWIFT code FITYUS33 is used for Ameris Bank's Atlanta headquarters and should be provided for all international wire transfers.
How long do wire transfers take at Ameris Bank?
Domestic wire transfers sent through Ameris Bank online banking typically process on the same business day if initiated before the cutoff time. Branch-assisted wires also process same-day. Incoming wire transfers are generally received within a few hours on the same business day. Standard ACH transfers take 1-3 business days to process, while same-day ACH (at $1.25 per item) settles within the same business day. For urgent business payments, wire transfers provide the fastest option, but for regular vendor payments where timing is flexible, standard ACH transfers save you the wire transfer fees.
