Welcome to Ameris Bank. Transition Resource Guide

Transcription

1 Welcome to Ameris Bank. Transition Resource Guide amerisbank.com

2 We re proud to be your community bank.

3 Welcome to Ameris Bank. Over the past few months, Ameris Bank and Bank of America have worked together to plan the transition of Bank of America accounts to Ameris Bank. The transition of accounts and services to Ameris Bank is scheduled to occur the weekend of June 12 June 14, We encourage you to review this comprehensive, easy-to-read Resource Guide, as it outlines important dates and times, transition information, Ameris Bank products, services, policies and practices. Ameris Bank is committed to providing financial expertise, a progressive suite of products and an exceptional customer experience. This uniquely positions us to offer you services typically found at larger institutions, along with the one-onone, exceptional service you deserve and expect. You will continue to see familiar faces in your new Ameris Bank branch, and can expect quality service from employees fully committed to you and your banking needs. If you should have any questions or concerns, please visit your local bank office or call our Customer Care Center at Representatives are ready to assist Monday Thursday, 8:00 AM 6:00 PM (ET); Friday, 8:00 AM 7:00 PM (ET); and Saturday, 8:00 AM 1:00 PM (ET). To assist with the transition to Ameris Bank, our Customer Care Center will observe extended hours on Saturday, June 13, and Sunday, June 14, 8:00 AM 6:00 PM (ET). We appreciate your business, value our growing relationship with you, and look forward to providing you with valuable financial solutions for many years to come. Thank you for banking with Ameris Bank.

4

5 Find what you are looking for here. Important Information Account Access... 6 Personal Banking Personal Deposit and Lending Solutions Personal Electronic Banking Business Banking Business Deposit Solutions Business Financing Solutions Business Electronic Banking Electronic Banking Users Guide Personal Online Banking Personal Online Bill Pay Personal Online Banking E-Statement Personal Online Banking Alerts Personal Text Banking Enrollment Business Online Banking Support Mobile Banking Enrollment Mobile Web Banking Enrollment Notices and Disclosures Notices and Disclosures... 50

6 MUST READ INFORMATION: ACCOUNT ACCESS Due to the transition of accounts and services, affected Bank of America locations will close at noon, local time, on Friday, June 12, reopening as Ameris Bank on Monday, June 15. Account Access VISA Debit Card Reminder: ATMs located at transitioning Bank of America locations will be unavailable June 12 June 14. Prior to June 12, please plan ahead, withdrawing cash needed over this weekend. Personal Online Banking Business Online Banking Online Bill Pay for Personal and Business Customers For additional critical information, reference page 16 or 27. Critical Information Wednesday, June 10: Activate your new Ameris Bank Debit Card. To activate your card, call and select option 1 for Free Telephone Banking, followed by option 1 (from a touch tone phone), then option 7, followed by option 1. Friday, June 12, 2015 at 8:00 AM (ET): Begin using your new Ameris Bank Debit Card. You can also activate your new card on or after Friday, June 12 at 8:00 AM (ET), by conducting a successful PIN transaction for a purchase or ATM withdrawal. A balance inquiry at an ATM is not sufficient to activate your card. On Friday, June 12, at 10:00 PM (ET): Existing Bank of America Debit Cards, associated with accounts transitioning to Ameris Bank, will be deactivated. If you would like to change your PIN, call and select option 1 for Free Telephone Banking, followed by option 1 (from a touch tone phone), then option 7, followed by option 3. Or you may choose option 0 to speak with a Customer Care representative. Beginning Monday, June 15, you will be able to change your PIN at any Ameris Bank ATM. Personal Online Banking services will automatically transition from Bank of America to Ameris Bank. By Monday, June 8: Current Bank of America Personal Online Banking customers will receive a separately mailed communication outlining login credentials for Ameris Bank Personal Online Banking. Prior to June 12: Please make note of your Bank of America Online ID. Download Online Banking transaction history for future reference, and make note of all transfers scheduled within Online Banking. Most recurring and scheduled transfers between checking and savings accounts (including some external transfers) will continue as customary after the transition to Ameris Bank. On June 15, please confirm all transfers. Transfers connected to your Bank of America Credit Card or Line of Credit account used for overdraft protection will not transition to Ameris Bank. You may establish payments to pay your Bank of America Credit Card or Line of Credit payments using Ameris Bank Bill Pay. Friday, June 12, at 11:00 PM (ET): Accounts transitioning to Ameris Bank will no longer be available within Bank of America Online Banking. Monday, June 15: Customers can begin using Ameris Bank Personal Online Banking by visiting amerisbank.com, referencing the separately mailed communication for login credentials. If you were not issued login credentials, you may enroll in Ameris Bank Online Banking beginning June 15. Business Online Banking services will automatically transition from Bank of America to Ameris Bank. By Monday, June 8: Current Bank of America Business Online Banking customers will receive a separately mailed communication outlining login credentials for Ameris Bank Business Online Banking. Prior to June 12: Please make note of your Bank of America Online ID. Download Online Banking transaction history for future reference, and make note of all transfers scheduled within Online Banking. Most recurring and scheduled transfers between checking and savings accounts (including some external transfers) will continue as customary after the transition to Ameris Bank. On June 15, please confirm all transfers. Transfers connected to your Bank of America Credit Card or Line of Credit account used for overdraft protection will not transition to Ameris Bank. You may establish payments to pay your Bank of America Credit Card or Line of Credit payments using Ameris Bank Bill Pay. Friday, June 12, at 11:00 PM (ET): Accounts transitioning to Ameris Bank will no longer be available within Bank of America Online Banking. Monday, June 15: Customers can begin using Ameris Bank Business Online Banking by visiting amerisbank.com, referencing the separately mailed communication for login credentials. If you were not issued login credentials, you may enroll in Ameris Bank Online Banking beginning June 15. By Monday, June 8: Existing E-Bill relationships within the Bank of America E-Bill system must be disabled, so that you can re-establish E-Bills on or after June 15 within Ameris Bank Online Banking. Bank of America will send notification to E-Billers the weekend of June 12, to cancel existing E-Bill relationships on your behalf. You may choose to notify your existing E-Billers beginning Monday, June 8, to cancel your existing E-Bills so that you won t experience a delay when re-establishing your E-Bills within the Ameris Bank Online Banking system. Note that it may be necessary to make certain payments currently paid through E-Bill using an alternative payment method such as a regular Bill Pay transaction or paper check during the transition period. Tuesday, June 9, at 5:00 PM (ET): The Bill Pay tab within Bank of America Online Banking will be unavailable. Friday, June 12: Payments scheduled within Bank of America Online Bill Pay to occur through and including Friday, June 12, will be processed by Bank of America. Transfers between Bank of America accounts or Merrill Edge scheduled to occur through and including Friday, June 12, will also be processed by Bank of America. Please do not use Mobile Banking to make payments. Monday, June 15: Customers can use Online Bill pay through Ameris Bank Personal Online Banking. Please log in, verify payees and scheduled payments. 6 Ameris Bank

7 Account Access Transfers Mobile and Text Banking Critical Information Prior to June 12: Please make note of all transfers scheduled. Most recurring and scheduled transfers between checking and savings accounts (including some external transfers) will continue as customary after the transition to Ameris Bank. Transfers connected to your Bank of America Credit Card or Line of Credit account used for overdraft protection will not transition to Ameris Bank. You may establish payments to pay your Bank of America Credit Card or Line of Credit payments using Ameris Bank Bill Pay. Monday, June 15: Confirm all transfers. Friday, June 12, at 10:00 PM (ET): Accounts transitioning to Ameris Bank will no longer be available through Bank of America Mobile and Text Banking. Monday, June 15: Confirm your access to Ameris Bank Online Banking. Then download the Ameris Bank Mobile Banking App. You may use mobile browser banking and Text Banking. You must have access to Online Banking to utilize Mobile and Text Banking. Text and Alerts Telephone Banking Online Statements Online Check Images E-Bill Information You will continue to receive Bank of America text and alerts through Friday, June 12, at 10:00 PM (ET). Monday, June 15: Log in to Ameris Bank Online Banking to establish your preferred text and alerts. Friday, June 12, at 6:00 PM (ET): Accounts transitioning to Ameris Bank will no longer be available through Bank of America Telephone Banking. Monday, June 15: Call and choose option 1 for Ameris Bank Telephone Banking. When calling for the first time, your PIN will be the last four digits of the primary account holder s social security number, or the last four digits of the Federal EIN for business accounts. After entering this PIN for the first time, you will automatically be prompted to change your PIN. Friday, June 12, at 10:00 PM (ET): You will no longer have online access to Bank of America online statements, check images, transfer and E-bill information pertaining to accounts transitioning to Ameris Bank. Please download and print all past online images and statements you may need in the future. Monday, June 15: Log in to Ameris Bank Online Banking to denote your preference to receive Ameris Bank E-Statements. E-Statements, check images, transfers and E-bill information dated June 15, and after will be available using Ameris Bank Online Banking.

8 Account Numbers It is necessary to issue new account numbers for all accounts transitioning to Ameris Bank. You will be notified of your new account number and routing number in a separate mailing. Ameris Bank will notify the organizations that initiate your pre-authorized ACH deposits and payments to update their records with your new routing number and account number. If you have a debit card, we will link your debit card to your new Ameris Bank account number. Any transaction not posted to your account by the end of day, Friday, June 12, will be posted to your account using the new account number. Check Supplies In a separate mailing, you will receive information regarding checking supplies with your new account and routing number. Business checking account holders will receive a starter supply of deposit slips along with instructions on how to place an order of preferred checking supplies using a special promotion code. Continue using your current checking supplies through Friday, June 12. On Saturday, June 13, stop using and destroy your existing Bank of America check supply. All Day Banking All deposits made inside a banking location will post to your account the same day the deposit is made. Deposits made by 5:00 PM (ET) through Remote Business Deposit will post to your account the same day. Deposits made by 6:00 PM (ET) through Mobile Banking will post to your account the same day. In some instances, a temporary hold may be placed on the deposited funds. Statement Options You have the option to receive printed statements, mailed through the US Postal Service, or E-Statements. If you choose to enroll in E-Statements, your next banking statement, immediately following your enrollment, will be sent both electronically and in paper format. Thereafter, all future statements will be received in an electronic format only. If you currently receive combined statements with Bank of America, your combined statements will transition to Ameris Bank similarly when possible. If you have a combined statement for your checking and savings accounts, going forward after June 12, you will receive a summary of the savings account on your monthly checking statement and will receive a full savings statement at the end of each quarter. Please contact your local banker if you are interested in receiving combined statements. E-Statements Log in to Ameris Bank Online Banking to indicate your preference to receive E-Statements. Each month, you will receive an sent to a preferred address indicating E-Statement availability. Typically, E-Statements date back to account opening; however, for accounts that are part of this transition, statement history will date back to the first statement generated on or after Monday, June 15. Statement Cycles Printed and electronic statements follow the same statement cycles, driven by your account type. Reference the chart below for additional information regarding your statement cycle upon conversion. Statement Type FINAL BANK OF AMERICA Statement Mailed Friday, JUNE 12 Next Statement Future Statements Distribution Frequency Personal Checking Personal Money Market Business Checking Business Money Market Reflecting transactions posted after prior statement mailing date through Friday, June 12. Reflecting transactions posting after Friday, June 12. Activity posting after Friday, June 12 through June 30. Generated monthly on various days. Generated on the last business day of each month. Savings Accounts Activity posting after Friday, June 12 through June 30. Generated on a quarterly basis on the last business day of the quarter. Individual Retirement Accounts An IRA Interim Statement will not be distributed Bank of America will issue the last quarterly plan-level statement on June 30. Plan-level IRA statements are generated annually at year-end. Business and Personal Line of Credit Overdraft Protection Line of Credit Reflecting transactions posted after prior statement mailing date through Friday, June 12. Activity posting after Friday, June 12 through July 5, indicating payment due 25 days later. Generated on the 5th of every month. 8 Ameris Bank

9 Automatic Transfers Most recurring and scheduled transfers between checking and savings accounts (including some external transfers) will continue as customary after the transition to Ameris Bank. Transfers connected to your Bank of America Credit Card or Line of Credit account used for overdraft protection will not transition to Ameris Bank. You may establish payments to pay your Bank of America Credit Card or Line of Credit payments using Ameris Bank Bill Pay. On June 15, please confirm all transfers. Beginning Monday, June 15, automatic transfers established between your checking or savings accounts at Ameris Bank to prevent you from overdrawing a checking account, will be transferred in $50 increments from your linked account, at a price of $5 per transfer assessed to the sending account. Wire Transfers Beginning Monday, June 15, please use the new routing number, , when initiating wire transfers to your accounts at Ameris Bank. The hours for sending wires at Ameris Bank are: Monday Friday, 8:00 AM 4:00 PM (ET). For same-day credit, wires must be received by 4:00 PM (ET) Monday Friday. Safe Deposit Box Safe Deposit Boxes will not be affected by this transition. Your box will remain in the same location. Continue using your box with your current box keys. Payment for Safe Deposit Boxes is due on January 1st of each year. Your next payment will be due January 1, Prior to January 1st, a reminder of when the next payment is due will be sent by mail. SIZE PRICE PER YEAR 2x5 $20 3x5 $25 4x5 $30 5x5 $40 2x10 $32 3x10 $40 4x8 $45 4x9 $45 4x10 $45 SIZE PRICE PER YEAR 5x10 $60 6x10 $60 8x10 $75 10x10 $125 10x11 $125 10x15 $125 9x16 $150 11x16 $175 14x17 $350

10

11 Personal Banking

12 PERSONAL DEPOSIT AND LENDING SOLUTIONS Personal Checking Solutions Listed below, find your current Bank of America account to learn the name, features and benefits associated with your new Ameris Bank solution effective June 15, Ameris Bank Access Checking Amenity Checking Advantage Checking Ameris Bank Solution Bank of America Enhanced Checking, Essentials Checking, CampusEdge Checking, CampusEdge Advantage Checking, ebanking Checking, SafeBalance Checking, Senior Economy Checking, Core Checking, Core Checking Advantage Relationship, Regular Checking, Regular Checking Preferred Relationship, Regular Checking Advantage Relationship Advantage with Premium Tiered Interest Checking, Advantage with Tiered Interest Checking, Classic Interest Checking, Classic Interest Checking Preferred Relationship, Classic Interest Checking Advantage Relationship, Interest Checking Bank of America Premium Checking Access Checking Amenity Checking Advantage Checking Features and Benefits Easy access to your money anytime, anywhere. Online Banking, including: - Online Bill Pay - E-Statements - and Text Alerts Mobile Banking, including: - Mobile Bill Pay - Mobile Check Deposit Text Banking Automated Telephone Banking Ameris Bank Visa Debit Card Unlimited check writing No ATM transaction fees when using any Ameris Bank ATM These benefits are in addition to all the value found in Access Checking. Earn interest on your account balance No-cost scheduled transfers between your multiple Ameris Bank deposit accounts No minimum balance requirements on a Savings Account when a quarterly $25 scheduled transfer is established from your Amenity Checking account Free appointment with licensed investment planner Free first order of wallet-style checks $50 annual fee refunded for the Ameris Bank Rewards PLUS Credit Card, based on credit approval These benefits are in addition to all the value found in Access Checking and Amenity Checking. Earn a higher rate on your account balance An increased daily limit, to $5,000, for signature point-ofsale transactions made with your Debit Card At your request, the option to bump up your CD rate to the posted board rate once during the term of the CD Unlimited, no-cost ATM withdrawals at any ATM nationwide No cost for all incoming domestic wire transfers Free wallet-style checks Free safe deposit box, when available No charge for purchase of Official Checks No charge for purchase of Gift Cards, where available Account Price The monthly account price for Access Checking is $6 if enrolled to receive E-Statements or $8 if not enrolled to receive E-Statements. The monthly price for the account will not be assessed when any one of the following activities is met each month: ACH deposits of $500 or more credited to your account or 15 or more Debit Card point-ofsale transactions or The checking account s average daily balance (during the statement cycle) is $1,500 or greater The monthly account price for Amenity Checking is $8 if enrolled to receive E-Statements or $10 if not enrolled to receive E-Statements. The monthly price for the account will not be assessed when monthly ACH deposits total $1,000 or more and one of the following occurs: The checking account s average daily balance (during the statement cycle) is $2,500 or greater or The combined total of all related Ameris Bank current consumer installment loan or line of credit balances and average daily balances (during the statement cycle) within personal deposit accounts is $15,000 or greater The $20 monthly price for this account will not be assessed when the combined total of all related Ameris Bank current consumer installment loan or line of credit balances and average daily balances (during the statement cycle) within personal deposit accounts is $25,000 or greater. 12 Ameris Bank

13 Personal Savings and Money Market Solutions Listed below, find your current Bank of America account to learn the name, features and benefits associated with your new Ameris Bank solution effective June 15, Ameris Bank Regular Savings Minor Savings Personal Money Market Bank of America Regular Savings Account, Custom Savings Account Minor Savings Balance Rewards Money Market Savings, Consumer Money Market Savings, Growth Money Market Savings, GWIM Money Market Savings, Personal Money Market Savings, Platinum Money Market Savings, Rewards Money Market Savings, Select Money Market Savings Ameris Bank Solution Regular Savings Minor Savings Personal Money Market Information to Note $200 minimum balance to earn interest $9 quarterly product price is waived if a $300 average daily balance is maintained $0.01 minimum balance to earn interest For customers ages 18 and younger Free of Charge $1,000 minimum balance to earn interest $10 monthly product price is waived if a $1,000 daily balance or $3,000 average balance is maintained ACCOUNT ACCESS Unlimited, efficient and easy account access: Free Online Banking Free Telephone Banking Free E-Statements Free and Text Alerts Mobile Banking Please note: For all savings and money market accounts, federal regulations limit the number of the following types of withdrawals and transfers to a total of 6 each monthly statement cycle (or six each calendar month for savings accounts with a quarterly statement cycle): transfers to third parties; to another account at Ameris Bank by Online Banking; preauthorized or automatic withdrawals or telephone agreements, including data transmissions or by check, draft, debit card or similar order and payable to third parties. A $7 excessive withdrawal fee will be imposed for each transaction in excess of six per statement cycle. VISA Debit Card On Wednesday, June 10, activate your new Ameris Bank Debit Card. Existing Bank of America Debit Cards will be deactivated and will no longer function beginning Friday, June 12, at 10:00 PM (ET). 5 ATM Withdrawals per day, with a daily cumulative limit of $ point-of-sale transactions per day, with a daily cumulative limit of $1, signature transactions per day, with a daily cumulative limit of $2, cash advances per day, with a daily cumulative limit of $1,000. You will have free use of any Ameris Bank ATM, where you can obtain balance information, make withdrawals, transfer funds and change your debit card PIN. If you use an Ameris Bank VISA Debit Card outside of the Ameris Bank ATM network, you will incur a $2 service charge along with an additional service charge from the bank owning the ATM. Checking Account Senior Benefits: Regardless of the personal checking solution, customers age 62 and over will receive a 25% discount on the monthly account price, if assessed, along with free wallet-style checks. TRANSITION RESOURCE GUIDE 13

14 Certificates of Deposits (CDs) Reference page 51 of this booklet for additional information regarding Ameris Bank CD terms and conditions. Bank of America will continue to issue maturity notices, mailed 20 days in advance of the maturity date, through June 12, The information provided within this guide overrides anything stated by Bank of America within the maturity notices issued for CDs with a June 13, 2015, or later maturity date. Featured CDs and CDs with less than or equal to 5-year terms The rate and term on the existing Bank of America CD will not be affected by the transition to Ameris Bank. Closer to maturity, you will receive a maturity notification. long Term CDs with a greater than 5-year term The rate and term on the existing Bank of America CD will not be affected by the transition. Closer to maturity, you will receive a maturity notice. If you choose to allow your CD to automatically renew at maturity, it will renew with a 5-year term and at the Ameris Bank posted rate. 18-Month CD Opt-Up Effective Friday, June 12, 2015, the option to bump up the rate to a higher posted rate will no longer be available and valid. The CD rate as of Friday, June 12, 2015, will remain fixed at this rate, until maturity. The maturity date will remain the same. Closer to maturity, you will receive a maturity notice. risk Free CD The rate, term, and no early withdrawal penalties, with pre-disclosed Bank of America limitations, will remain the same until the CD s maturity date. Closer to maturity, you will receive a maturity notice. If you choose to allow your CD to automatically renew at maturity, it will renew with the same term, at the Ameris Bank posted rate, and will be subject to Ameris Bank terms and conditions, including early withdrawal penalties. Individual Retirement Accounts (IRAs) The rate and term on the majority of existing Bank of America IRAs will not be affected by the transition to Ameris Bank. Please reference the two exceptions below. The final Bank of America IRA plan-level statement will generate on June 30, 2015, after the transition to Ameris Bank. Following the receipt of this notice, Ameris Bank will generate annual year-end plan-level IRA statements. Additionally, Bank of America will continue to issue maturity notices, mailed 20 days in advance of the maturity date, through June 12, The information provided within this guide and the enclosed Notices and Disclosure booklet overrides anything stated by Bank of America within the maturity notices issued for IRAs with a June 13, 2015 or later maturity date. For more information regarding Ameris Bank IRA terms and conditions, please reference page 51 of this booklet. Variable Rate IRA As of June 12, 2015, Variable Rate IRA accounts will convert to a fixed rate IRA. The IRA rate as of Friday, June 12, 2015, will remain fixed at this rate until maturity. The IRA term and all beneficiary information will remain the same. money Market IRA As of June 12, 2015, the Money Market IRA accounts will convert to an Ameris Bank fixed rate 12-month IRA. The IRA rate as of Friday, June 12, 2015, will remain fixed at this rate until maturity. All beneficiary information will remain the same. If you currently have a Money Market IRA and do not prefer for it to convert into the 12-month fixed rate IRA, please call your local Banker to discuss other IRA options. Please reference the change in terms found on page 52 of this booklet. 18-Month IRA Opt-Up Effective Friday, June 12, 2015, the option to bump up the rate to a higher posted rate will no longer be available and valid. The IRA rate as of Friday, June 12, 2015, will remain fixed at this rate, until maturity. The maturity date will remain the same. Closer to maturity, you will receive a maturity notice. risk Free IRA The rate, term, and no early withdrawal penalties, with pre-disclosed Bank of America limitations, will remain the same until the IRA s maturity date. Closer to maturity, you will receive a maturity notice. If you choose to allow your IRA to automatically renew at maturity, it will renew with the same term, at the Ameris Bank posted rate, and will be subject to Ameris Bank terms and conditions, including early withdrawal penalties. Fixed Term IRA with a greater than 5-year term The rate and term on the existing Bank of America IRA will not be affected by the transition. Closer to maturity, you will receive a maturity notice. If you choose to allow your IRA to automatically renew at maturity, it will renew with a 5-year term and at the Ameris Bank posted rate. Personal Loans and Lines of Credit Bank of America Personal Loans and Lines of Credit issued by Bank of America are not transiting to Ameris Bank, and therefore will not be affected by this conversion. Please continue to use and make payments as customary. Personal Credit Cards Credit cards issued by Bank of America are not transitioning to Ameris Bank, and therefore will not be affected by this conversion. Please continue to use and make payments as customary. Beginning June 12, Bank of American Credit Cards will no longer be linked to checking accounts transitioning to Ameris Bank; therefore, Bank of America credit cards will no longer serve as a form of overdraft protection for transitioning accounts.

15 PERSONAL ELECTRONIC BANKING Personal Online Banking Personal Online Banking services will automatically transition from Bank of America to Ameris Bank. By Monday, June 8, current Bank of America Personal Online Banking customers will receive a separately mailed communication outlining Ameris Bank Personal Online Banking login credentials to be used on or after Monday, June 15. Account activity dated June 15, and later will be available within Ameris Bank Online Banking. Historical account activity and online wire transfer capability will not be available. If you are a current Ameris Bank Online Banking customer and a Bank of America Online Banking customer, on June 15, you will have two online banking profiles with two different sets of login credentials. If you wish to combine these two online banking profiles, please contact our Customer Care Center on or after June 15, so that we can work with you to begin the process of combining your online banking profiles. On Friday, June 12, at 11:00 PM (ET), accounts transitioning to Ameris Bank will no longer be available within Bank of America Online Banking. On Monday, June 15, visit amerisbank.com to access Personal Online Banking. Select Personal Online Banking from the drop-down options within the Sign in to your account box found on the Ameris Bank homepage. Reference the separately mailed communication outlining your login credentials. Reference page 32 for additional Ameris Bank Personal Online Banking access support. Personal Online Banking Offers: Anytime, real-time access through a safe, secure and encrypted site Monitor account balances View detailed transaction history View images of cleared checks Reorder checks Financial Management Transfer money between accounts Pay Bills with Online Bill Pay From within Online Banking, visit the Online Bill Pay Dashboard to see a snapshot of pending payments and the last 5 processed payments Add payees by using the auto fill feature Find a payee by searching within your payee list Receive E-Bills Establish reoccurring payments Manage your bill payments by category Bill payment history reports Establish and Text Alerts Establish preferred alerts from within Online Banking. Receive realtime or text message notifications of account changes or events based on those alert preferences. Enroll to Receive E-Statements Indicate your preference to receive E-Statements from within Online Banking. Typically, E-Statements date back to account opening; however, for accounts that are part of this conversion, statement history will date back to your first statement generated on or after Monday, June 15. IMPORTANT INFORMATION ABOUT YOUR TEMPORARY PASSWORD: The temporary password issued to you for access into Ameris Bank Personal Online Banking will only be valid for 60 days post June 15, When logging into Personal Online Banking for the first time on or after June 15, you will be prompted to change your password. When establishing your new password, please note: Passwords are case sensitive Passwords must be between 8-16 characters and contain a minimum of 1 alpha and 1 numeric character. Passwords cannot include a space nor include a character that repeats more than three times. A security alert will be received when the password is changed. TRANSITION RESOURCE GUIDE 15

16 Quicken and Quickbooks Please visit amerisbank.com/welcomebankofamerica for step-by-step instructions for de-activating your Quicken or Quickbooks account(s) at Bank of America and re-activating Quicken or Quickbooks account(s) at Ameris Bank. Personal Online Bill Pay Prior to June 8: Existing E-Bill relationships within the Bank of America E-Bill system must be disabled, so that you can re-establish E-Bills on or after June 15 within Ameris Bank Online Banking. Bank of America will send notification to E-Billers the weekend of June 12, to cancel existing E-Bill relationships on your behalf. You may choose to notify your existing E-Billers beginning Monday, June 8, to cancel your existing E-Bills so that you won t experience a delay when re-establishing your E-Bills within the Ameris Bank Online Banking system. Note that it may be necessary to make certain payments currently paid through E-Bill using an alternative payment method such as a regular Bill Pay transaction or paper check during the transition period. Prior to Tuesday, June 9, at 5:00 PM take note of the following to ensure you are prepared for the transition: Payee information will automatically transfer; however, we recommend that you print the entire Payment Center Screen within Bank of America Bill Pay or obtain a copy of each bill to verify all information, and correct if needed, on or after June 15. Ameris Bank Online Bill Pay only allows one recurring payment to be established per payee. Therefore, if you currently have more than one recurring payment established for a single payee, you must modify this schedule prior to June 9, within Bank of America Bill Pay, to avoid payments not processing after conversion. To correct this issue, only for payees with more than one recurring payment established, set-up one recurring model for one of the payments, and set-up 12 one-time payments for the additional monthly payments. Make a note of any payment reminders, payment memos and payee notes currently established within Bank of America Bill Pay, as these will not transfer over to Ameris Bank Online Bill Pay. Tuesday, June 9, at 5:00 PM (ET): The Bill Pay tab within Bank of America Online Banking will be unavailable. Payments scheduled to occur through and including Friday, June 12, will be processed by Bank of America. Transfers between Bank of America accounts or Merrill Edge scheduled to occur through and including Friday, June 12, will also be processed by Bank of America. Monday, June 15: Log in to Ameris Bank Personal Online Banking to access Ameris Bank Bill Pay. Reference page 39 for additional Personal Online Bill Pay support. Confirm all payee information transferred over correctly. Verify the following information: payee name, mailing address, phone number, account number with payee, pending payment amounts, recurring payments and due dates. Select or verify the primary funding account if you have multiple funding accounts. During the transition to Ameris Bank, an account was preselected as your primary or default funding account; therefore, if you do not select another funding account each time you make a payment, the payment will go out using the default/primary funding account selected. Reinstate any Bill Pay reminders. Enroll for all E-Bills within Ameris Bank Bill Pay Manager 4-5 days following June 15, understanding that some payees may not support this feature. An E-Bill is an electronic version of your paper bill that you receive directly within Bill Pay. An E-Bill allows you to conveniently view and pay a bill within Ameris Bank Online Bill Payment Manager. Six months of Bill Pay history will be available within Ameris Bank Online Bill Pay. 16 Ameris Bank

17 What This Means Your Current Bank of America Bill Pay Uses a Due Date Model You choose the date your bill payment must be received by the payee, and Bank of America ensures it is received by this date. On this date, the payment is drafted from your account. Your NEW Ameris Bank Bill Pay Uses a Schedule Date Model You schedule the date the payment should be sent to the payee; this is when the payment will begin processing. Using our Bill Pay calendar to schedule this processing date, you will see the date the payment will be received by the payee. Your account is drafted on the scheduled date the payment begins processing. Check payments will post as a debit to your account and you will not see a check image on your monthly statement or within Online Banking. What You Need to Do It is important that you know the following: If you have payments with due dates of June 13 June 18, it is recommended that you reschedule these payments within Bank of America Online Bill Pay to have a due date of June 12 or earlier. If you don t reschedule these payment due dates, Ameris Bank will process these payments; however, these payments will begin processing on June 15 (the debit to your account will draft from your account on June 15), with payment arriving to the payee June 16 or later, which may result in a late payment. All payments with a due date of June 19 or later will transition to Ameris Bank automatically. Ameris Bank will automatically schedule these payments to begin processing on a prior date to ensure the payment is received by the payee on the due date. Your account will be debited on the scheduled date the payment begins processing, which is typically 2-4 days prior to the date the payee must receive payment. Check payments will post as a debit to your account and you will not see a check image on your monthly statement or within Online Banking.

18 Personal Mobile Banking On Friday, June 12, at 10:00 PM (ET), accounts transitioning to Ameris Bank will no longer be available through Bank of America Mobile Banking. On Monday, June 15, download the Ameris Bank Personal Mobile Banking App. You must have access to Personal Online Banking to utilize Mobile Banking. Users must first successfully log into Personal Online Banking before being able to log into Mobile Banking. Mobile Banking does not recognize temporary passwords; therefore, users must log into Online Banking and establish their new password before accessing Mobile Banking. Account activity dated June 15, and later will be available through Ameris Bank Mobile Banking. Historical account activity will not be available. Reference page 47 for Mobile Banking enrollment support. Personal Mobile Banking offers access through a variety of mobile options: Mobile App, ipad Tablet, Mobile Web and Text Banking. Personal Mobile Banking Monitor account balances View transaction history Transfer money Mobile Bill Pay Mobile Check Deposit Locate branches and ATMs Mobile Bill Pay Make payments from mobile device with cross-channel coordination with Online Bill Pay Select from existing payees View and cancel existing payments Review recent payments Mobile Check Deposit Deposit checks by capturing check image with camera phone Encrypted deposits for secure delivery May be processed same day Save original deposit for 45 days Free Text Banking After enrolling, text a command to to receive a reply with requested information Quickly request and instantly receive account information PERSONAL BUSINESS Note: There is a different app for Personal Mobile Banking and Business Mobile Banking. 18 Ameris Bank

19 Text Banking On Friday, June 12, at 10:00 PM (ET), Bank of America Text Banking will no longer be available for accounts transitioning to Ameris Bank. To continue with Ameris Bank Text Banking, you must activate Ameris Bank Text Banking from within Personal Online Banking, on or after Monday, June 15. Reference page 45 for Text Banking enrollment support. Text a command to at any time, and we will reply back with your requested information instantly. Text Command Meaning B or BAL H or HIST C or CMD HE or HELP L or LOGIN M or MORE S or STOP Balance summary History of recent transactions List of Text Banking commands Help content for Text Banking URL to log in to the mobile banking website Displays more messages when available Cancels Text Banking services. This does not cancel any other modes of communication. Telephone Banking Beginning Monday, June 15, call and choose option 1 for Ameris Bank Telephone Banking. You will have realtime, all day and night automated access to Ameris Bank accounts, loans and lines of credit. You can transfer funds, change your debit card PIN, obtain account balances and review account history. When accessing Telephone Banking, you will be prompted to enter a Personal Identification Number (PIN). When calling for the first time on or after June 15, your PIN will be the last four digits of the primary account holder s social security number. After entering this PIN for the first time, you will automatically be prompted to change your PIN.

20

21 Business Banking

22 BUSINESS DEPOSIT SOLUTIONS Business Checking Solutions Every effort has been made to transition your current Bank of America business checking account to a similar Ameris Bank business checking solution. As you review Ameris Bank solutions, you may find a different account that more closely meets your needs. One of our experienced bankers will be happy to assist you in making the change to a more suitable solution, on or after June 15. Reference the chart below for a listing of Bank of America business checking accounts, along with the name of your new Ameris Bank Business Checking solution effective June 15, Account descriptions can be found on the next page. Ameris Bank Business Checking Business Relationship Checking (Analysis Checking) Business Interest Checking Professional Business Checking IOLTA (Interest on Lawyers Trust Account) Bank of America Business Economy Checking, Business Fundamentals Checking Analyzed Business Interest Checking, Analyzed Business Investment Account, Full Analysis Business Checking Business Interest Checking Business Advantage Checking, Simple Analysis Checking Public Service Trust Business Banking

23 Business Checking For accounts typically averaging less than 300 transactions each month No minimum balance required No monthly product price 300 free items each month; $0.25 for each item over 300 Business Relationship Checking (Analysis Checking) For accounts typically averaging more than 800 transactions each month Relationship pricing Work with a transition specialist dedicated to making the switch to Ameris Bank hassle free Business Interest Checking 100 free items each month; $0.20 for each item over 100 Monthly imaged statements A minimum daily balance of $100 must be maintained in order to earn the annual percentage yield $8 Monthly account price Professional Business Checking For accounts typically averaging between 300 and 800 items per month 800 free items per month; $0.40 for each item over 800 Maintain an average daily balance of $25,000 in this account or $50,000 in combined daily average balances in linked checking, money market or savings accounts and we ll waive the $25 monthly account price Visit us online at amerisbank.com for a listing of the additional free and discounted services associated with this account IOLTA (Interest on Lawyers Trust Account) Interest Bearing Account Allows firm to hold clients funds until time of use Please Note: An item includes any debits, credits and deposited items. Service charges and maintenance fees are not counted towards the free items per month. For non-profit checking accounts, an item is only defined as a check or deposit. Account Access Unlimited, efficient and easy account access for all Business Checking Solutions: Online Banking with Online Bill Pay and E-Statements Mobile Banking and Text Alerts Telephone Banking Unlimited usage of VISA Debit Card and check writing Free Ameris Bank ATM usage Business VISA Debit Card On Wednesday, June 10, begin using your new Ameris Bank Debit Card and destroy your existing Bank of America Debit Card. Your Ameris Bank Business VISA Debit Card offers: 4 ATM Withdrawals per day, with a daily cumulative limit of $ point-of-sale transactions per day, with a daily cumulative limit of $ signature transactions per day, with a daily cumulative limit of $5, cash advances per day, with a daily cumulative limit of $5,000. You will have free use of any Ameris Bank ATM where you can obtain balance information, make withdrawals, transfers and change your debit card PIN. If you use an Ameris Bank VISA Debit Card outside of the Ameris Bank ATM network, you will incur a $2 service charge along with an additional service charge from the bank owning the ATM. TRANSITION RESOURCE GUIDE 23

24 Business Savings and Money Market Solutions Listed below, find your current Bank of America account to learn the name, features and benefits associated with your new Ameris Bank solution effective June 15, Ameris Bank Business Savings Bank of America Commercial Business Interest Maximizer, Select Business Interest Maximizer, Business Interest Maximizer Business Money Market Business Investment Account Ameris Bank Solution INFORMATION TO NOTE Business Savings $200 minimum balance to earn interest $9 quarterly product price is waived if a $500 daily balance is maintained Business Money Market $1,000 minimum balance to earn interest $10 monthly product price is waived if a $1,000 daily balance or $3,000 average balance is maintained ACCOUNT ACCESS Unlimited, efficient and easy account access: Free Online Banking Free Telephone Banking Free E-Statements Free and Text Alerts Mobile Banking Please note: For all savings and money market accounts, federal regulations limit the number of the following types of withdrawals and transfers to a total of 6 each monthly statement cycle (or six each calendar month for savings accounts with a quarterly statement cycle): transfers to third parties; to another account at Ameris Bank by Online Banking; preauthorized or automatic withdrawals or telephone agreements, including data transmissions or by check, draft, debit card or similar order and payable to third parties. A $7 excessive withdrawal fee will be imposed for each transaction in excess of six per statement cycle. Certificates of Deposits (CD) Please reference page 14 of this Resource Guide for information regarding the transition of CD accounts to Ameris Bank. Night Deposit Box Please continue to use your current Night Deposit bag and keys through Friday, June 12, at 8:00 AM. Beginning Monday, June 15, Ameris Bank representatives will begin to issue new Ameris Bank Night Deposit agreements, bags and keys. Quick Business Deposit Quick Business Deposits will no longer be available beginning Monday, June 15. An alternative is using the Ameris Bank Night Deposit Box. If interested, please contact your local banker on or after Monday, June 15 to obtain a Night Deposit agreement, bag and keys. Remote Business Deposit This service will continue to be available after the transition to Ameris Bank; however, you will receive new hardware and software to remotely process deposits beginning June 15, Please continue to process your remote deposits as customary until 5:00 PM (ET) on June 12, Within the next few weeks, businesses currently using Bank of America Remote Business Deposit will receive a series of informative s from Ameris Bank to prepare for the transition and continuation of services. Merchant Services Bank of America Merchant Services are not transitioning to Ameris Bank; therefore, these services will not be affected by this conversion. Please continue to use this service as customary. 24 Ameris Bank

25 BUSINESS FINANCING SOLUTIONS Business Loans Some Bank of America Business Loans will transition to Ameris Bank; however, the loan s terms and conditions will remain the same. In very rare cases, it will be necessary to change a loan number. If this occurs, you will be notified in a separate mailing. Business Lines of Credit Some Bank of America Business Lines of Credit will transition to Ameris Bank. The terms and conditions will remain the same; however, the date by which payments are due will change. The new payment due date will be 25 days after the date of your statement. In very rare cases, it will be necessary to change a loan number. If this occurs, you will be notified in a separate mailing. Business Credit Card Credit cards issued by Bank of America are not transitioning to Ameris Bank, and therefore will not be affected by this conversion. Please continue to use and make payments as customary. Beginning June 12, Bank of America Credit Cards will no longer be linked to checking accounts transitioning to Ameris Bank; therefore, Bank of America credit cards will no longer serve as a form of overdraft protection for transitioning accounts. Loan Payments Beginning Monday, June 15, payments on loans tansitioning to Ameris Bank can be made by visiting your local Ameris Bank location, online through Online Banking or US mail. Loan payments submitted by the US mail must be sent to: Ameris Bank Dothan Loan Center 3299 Ross Clark Circle, NW Dothan, AL For all loan types, loan payments will be applied to the loan on the business day received, subject to the following requirements. Payment/payoff must be: Received by mail by 5:00 PM (ET) Received during normal operating hours on a business day that is not an announced bank holiday Sent by mail are required to be in the form of a check or money order only Paid in US dollars Accompanied by a correct account number or payment coupon Note: If a Payment/Payoff is placed in the Bank s Night Drop Box, this payment will be received and applied on the following business day, when the Bank s Night Drop Box is opened by Bank personnel. You may contact your local banker to obtain a payoff during normal business hours. If you request payoff to be sent to a third party, you must sign and submit this request in writing.

26 Business Electronic Banking Electronic Banking Agreements The Ameris Bank Business Online Banking agreement will be presented to users when logging in to Business Online Banking for the first time on or after Monday, June 15. Business Online Banking offers access to Automated Clearing House (ACH) origination, Online Wire Transfers, Direct Connect and other Treasury and Cash Management services. Updated Ameris Bank Agreements for these ancillary Online Banking services will be mailed to applicable customers. ALERT: To ensure a successful login authentication for Business Online Banking, business customers must have a valid business telephone number on file with Bank of America. Please confirm the accuracy of this number, with Bank of America, before Monday, June 8. Business Online Banking Business Online Banking services will automatically transition from Bank of America to Ameris Bank. By Monday, June 8, current Bank of America Business Online Banking customers will receive a separate communication, mailed through the US Postal Services, containing new Ameris Bank Business Online Banking login credentials. Account activity dated June 15, and later will be available within Ameris Bank Online Banking. Historical account activity will not be available. If you are a current Ameris Bank Online Banking customer and a Bank of America Online Banking customer, on June 15, you will have two online banking profiles with two different sets of login credentials. If you wish to combine these two online banking profiles, please contact our Customer Care Center on or after June 15, so that we can work with you to begin the process of combining your online banking profiles. On June 12, at 11:00 PM (ET), accounts transitioning to Ameris Bank will no longer be available within Bank of America Online Banking. On Monday, June 15, visit amerisbank.com to access Business Online Banking. Select Business Online Banking from the drop-down options within the Sign in to your account box found on the Ameris Bank homepage. Reference page 46 for additional Ameris Bank Business Online Banking access support. With Ameris Bank Business Online Banking: Customize your online banking dashboard for efficient navigation Establish unique login credentials and user access parameters for each individual with access to your business s online banking. Utilize advance approval administration Account Activity Transfer and Payments Ancillary Services User friendly Account Activity and Summary Reports Cash Position Reporting to determine borrowing or investment needs Flexible Customized Reports by date and transaction type Data export capabilities include QuickBooks, CSV, BAI, and PDF Make internal transfers between accounts Use Online Bill Pay to manage bills electronically with the ability to send electronic or paper checks to your designated payees Move money same day quickly, conveniently and securely with Online Wires Concentrate or make payments next day utilizing cost efficient ACH transfers Setup and initiate Online Stop Payments Utilize the Positive Pay Exceptions Manager to make Pay and Return decisions Create alerts to track transaction activity Establish entitlements for users that allow for separation of duties and dual control 26 Ameris Bank

27 Business Online Bill Pay Prior to June 8: Existing E-Bill relationships within the Bank of America E-Bill system must be disabled, so that you can reestablish E-Bills on or after June 15 within Ameris Bank Online Banking. Bank of America will send notification to E-Billers the weekend of June 12, to cancel existing E-Bill relationships on your behalf. You may choose to notify your existing E-Billers beginning Monday, June 8, to cancel your existing E-Bills so that you won t experience a delay when re-establishing your E-Bills within the Ameris Bank Online Banking system. Note that it may be necessary to make certain payments currently paid through E-Bill using an alternative payment method such as a regular Bill Pay transaction or paper check during the transition period. Prior to Tuesday, June 9, at 5:00 PM take note of the following to ensure you are prepared for the transition: Payee information will automatically transfer; however, we recommend that you print the entire Payment Center Screen within Bank of America Bill Pay or obtain a copy of each bill to verify all information, and correct if needed, on or after June 15. Ameris Bank Online Bill Pay only allows one recurring payment to be established per payee. Therefore, if you currently have more than one reoccurring payment established for a single payee, you must modify this schedule prior to June 9, within Bank of America Bill Pay, to avoid payments not processing. To correct this issue, only for payees with more than one reoccurring payment establish, set-up one reoccurring model for one of the payments, and set-up 12 one-time payments for the additional monthly payments. Make a note of any payment reminders, payment memos and payee notes currently established within Bank of America Bill Pay, as these will not transfer over to Ameris Bank Online Bill Pay. Tuesday, June 9, at 5:00 PM (ET): The Bill Pay tab within Bank of America Online Banking will be unavailable. Payments scheduled to occur through and including Friday, June 12, will be processed by Bank of America. Transfers between Bank of America accounts or Merrill Edge scheduled to occur through and including Friday, June 12, will also be processed by Bank of America. Monday, June 15: Log in to Ameris Bank Business Online Banking to access Ameris Bank Bill Pay. Confirm all payee information transferred over correctly. Verify the following information: payee name, mailing address, phone number, account number with payee, pending payment amounts, recurring payments and due dates. Select or verify the primary funding account if you have multiple funding accounts. During the transition to Ameris Bank, an account was preselected as your primary or default funding account; therefore, if you do not select another funding account each time you make a payment, the payment will go out using the default/primary funding account selected. Reinstate any Bill Pay reminders. Enroll for all E-Bills within Ameris Bank Bill Pay Manager 4-5 days following June 15, understanding that some payees may not support this features. An E-Bill is an electronic version of your paper bill that you receive directly within Bill Pay. An E-Bill allows you to conveniently view and pay a bill within Ameris Bank Online Bill Payment Manager. Six months of Bill Pay history will be available within Ameris Bank Online Bill Pay. What This Means Your Current Bank of America Bill Pay Uses a Due Date Model You choose the date your bill payment must be received by the payee, and Bank of America ensures it is received by this date. On this date, the payment is drafted from your account. Your NEW Ameris Bank Bill Pay Uses a Schedule Date Model You schedule the date the payment should be sent to the payee; this is when the payment will begin processing. Using our Bill Pay calendar to schedule this processing date, you will see the date the payment will be received by the payee. Your account is drafted on the scheduled date the payment begins processing. Check payments will post as a debit to your account and you will not see a check image on your monthly statement or within Online Banking. What You Need to Do It is important that you know the following: If you have payments with due dates of June 13 June 18, it is recommended that you reschedule these payments within Bank of America Online Bill Pay to have a due date of June 12 or earlier. If you don t reschedule these payment due dates, Ameris Bank will process these payments; however, these payments will begin processing on June 15 (the debit to your account will draft from your account on June 15), with payment arriving to the payee June 16 or later, which may result in a late payment. All payments with a due date of June 19 or later will transition to Ameris Bank automatically. Ameris Bank will automatically schedule these payments to begin processing on a prior date to ensure the payment is received by the payee on the due date. Your account will be debited on the scheduled date the payment begins processing, which is typically 2-4 days prior to the date the payee must receive payment. Check payments will post as a debit to your account and you will not see a check image on your monthly statement or within Online Banking.

28 Automated Clearing House (ACH) Origination Prepare for Transition: Primary user identification and limits will automatically be established for existing ACH originators within the Ameris Bank Business Online Banking Profile. If you currently use ACH templates in your Bank of America Online Banking environment, you will be able to re-create these templates within Ameris Bank Business Online Banking. We recommend capturing a print view of your existing ACH templates to reference when re-establishing your ACH templates. Agreement: Current Bank of America ACH users will receive an updated Ameris Bank ACH Origination Agreement in the mail. Security Token: By June 12, each ACH user will receive a secure RSA token to process ACH transactions on or after Monday, June 15. If your business also processes online wires, you will utilize the same RSA token to process online wire transfers. Monday, June 15: Begin creating ACH templates and sending files through Ameris Bank Business Online Banking. If you upload ACH files rather than using templates, you will be able to upload files at this time. Online Wire Transfer Prepare for Transition: Customers currently using Bank of America Online Wire services will be able to schedule future online wire transfers and create reoccurring online wire templates within Ameris Bank Business Online Banking. We recommend capturing a print view of your existing wire templates to reference when re-establishing your online wires. Agreements: Current Bank of America Online Wire customers will receive an updated Ameris Bank Online Wire Transfer Agreement in the mail. Security Token: By June 12, each Online Wire user will receive a secure RSA token to process online wire transactions on or after Monday, June 15. If your business also processes ACH transactions, you will utilize the same RSA token to process ACH transactions. Monday, June 15: Begin scheduling, creating online wire templates, and sending files through Ameris Bank Business Online Banking. Direct Connect You will continue to have access to Direct Connect upon conversion; however, we must re-enroll your connection and issue new login credentials. Within the next few weeks, you will receive an updated Ameris Bank Direct Connect Agreement in preparation for this transition. An Ameris Bank representative will communicate with current Direct Connect users beginning Monday, June 15, to begin the re-enrollment process; this re-enrollment may take up to five business days to complete. Quicken and Quickbooks Please visit amerisbank.com/welcomebankofamerica for step-by-step instructions for de-activating your Quicken or Quickbooks account(s) at Bank of America and re-activating Quicken or Quickbooks account(s) at Ameris Bank. Direct Payments (External Transfers) This service will continue to be available after the transition to Ameris Bank; however, Ameris Bank refers to this service as external transfers. You will need to re-establish your external transfers after the conversion to Ameris Bank. If you wish to utilize external transfers, please contact your local banker on or after June 15. You will be presented with an Ameris Bank External Transfer agreement and must provide the routing number and account number for all external accounts you wish to initiate external transfer. Express Invoicing and Express Tax Services Beginning Friday, June 12, at 5:00 PM (ET), Express Invoicing and Express Tax Services will no longer be available. Payroll Services by Intuit Payroll Services by Intuit will not be available through Ameris Bank; however, customers currently using Payroll Services by Intuit will receive communication from Bank of America and Intuit regarding the continuance of these services. 28 Ameris Bank

29 Business Mobile Banking On Friday, June 12, at 10:00 PM (ET), accounts transitioning to Ameris Bank will no longer be available through Bank of America Mobile Banking. On or after Monday, June 15, download the Ameris Bank Business Mobile Banking App. You must have access to Business Online Banking to utilize Mobile Banking. Users must first successfully log into Business Online Banking before being able to log into Mobile Banking. Mobile Banking does not recognize temporary passwords; therefore, users must log into Online Banking and establish their new password before accessing Mobile Banking. Account activity dated June 15, and later will be available within Ameris Bank Mobile Banking. Historical account activity will not be available. Reference page 47 for Mobile Banking enrollment support. Business Mobile Banking offers access through a variety of mobile options: Mobile App, ipad Tablet and Mobile Web. Business Mobile Banking Monitor account balances View transaction history Transfer money Mobile Bill Pay Mobile Check Deposit Locate branches and ATMs Mobile Bill Pay Make payments from mobile device with cross-channel coordination with Online Bill Pay. Select from existing payees. View and cancel existing payments. Review recent payments. Mobile Check Deposit Deposit checks by capturing check image with camera phone. Encrypted deposits for secure delivery. May be processed same day. Save original deposit for 45 days. PERSONAL BUSINESS Note: There is a different app for Personal Mobile Banking and Business Mobile Banking. Telephone Banking Beginning Monday, June 15, call and choose option 1 for Ameris Bank Telephone Banking. You will have realtime, all day and night automated account access providing information on Ameris Bank accounts, loans and lines of credit. You can transfer funds, obtain account balances and review account history. When accessing Telephone Banking, you will be prompted to enter a Personal Identification Number (PIN). When calling for the first time on or after June 15, your PIN will be the last four digits of the Federal EIN of the business. After entering this PIN for the first time, you will automatically be prompted to change your PIN. TRANSITION RESOURCE GUIDE 29

30

31 Electronic Banking Users Guide Personal Online Banking...32 Personal Online Bill Pay...39 Personal Online Banking E-Statement...42 Personal Online Banking Alerts...44 Personal Text Banking Enrollment...45 Business Online Banking Support...46 Mobile Banking...47 Mobile Web...47

32 Personal Online Banking Current Bank of America Online Banking Users Personal Online Banking services will automatically transition from Bank of America to Ameris Bank. On Monday, June 15, current Online Banking customers can begin using Ameris Bank Personal Online Banking: 1. Visit amerisbank.com 2. Locate the Sign in to your account box on the homepage and ensure Personal Online Banking is selected from the drop-down options. 3. Enter your existing Bank of America user name (using all lower case letters) in the User ID field. 4. Click Sign In 5. You will then be prompted to enter your temporary password, which will be provided to you in a separately mailed letter. 6. Follow the prompt to change the temporary password to a preferred password. 7. Follow the prompt to verify your name, address and phone number. 8. Follow a series of prompts for advanced security login authentication. Turn to page 36 for additional information regarding Advanced Login Authentication, which occurs when a user accesses Online Banking for the first time from any new electronic device. IMPORTANT INFORMATION ABOUT YOUR TEMPORARY PASSWORD: The temporary password issued to you for access into Ameris Bank Personal Online Banking will only be valid for 60 days post June 15, When logging into Personal Online Banking for the first time on or after June 15, you will be prompted to change your password. When establishing your new password, please note: Passwords are case sensitive Passwords must be between 8-16 characters and contain a minimum of 1 alpha and 1 numeric character. Passwords cannot include a space nor include a character that repeats more than three times. A security alert will be received when the password is changed. 32 Ameris Bank

33 Personal Online Banking Enrollment Instructions If you are not a current Bank of America Online Banking user, but wish to use Ameris Bank Online Banking, please follow the below enrollment instructions on or after June Visit amerisbank.com 2. Select Personal Online Banking 3. Select Register Now 4. Proceed to secure registration portal 5. Select Enrollment Method 6. Accept Agreement and Disclosure 7. Enter Requested Information 8. Establish Login Credentials 9. Denote Online Bill Pay preference Step 1 Visit amerisbank.com. Step 2 Locate the Sign in to your account box on the homepage and ensure Personal Online Banking is selected from the drop-down options. Step 3 Then click the Register Now link. Step 4 You will receive an alert indicating you are leaving the Ameris Bank website. This is because we are directing you to our secure registration portal. Click OK. Helpful Tip: Steps 1-4 For future access to Personal Online Banking, you can follow steps 1-2 to access your account. TRANSITION RESOURCE GUIDE 33

34 Step 5 A new web browser will open, welcoming you to Online Banking Enrollment for Ameris Bank. Read through this welcome page, select preferred enrollment method. Helpful Tip: Step 5 If you choose to enroll using ATM or Debit Card you will be asked to provide the last 4 digits of your Ameris Bank Debit Card number and your new Ameris Bank PIN. If you choose to enroll using the Checking, Savings or Money Market Account option, you will be asked to enter your last statement balance. If you are a new customer and have no statement history with Ameris Bank, enter $0 balance in this field. Step 6 Read and accept the Online Banking Agreement and Disclosure. Click Continue. Step 7 Enter all requested information. Click Continue. 34 Ameris Bank

35 Step 8 Establish your login credentials. Step 9 Denote the online account service package that best first your needs. If you wish to schedule and pay your bills online, select the second option. Helpful Tip: Step 10 Online Bill Pay is also referred to as Intercheck Bill Pay. Step 10 Click Continue. You have now successfully enrolled and will have access to Ameris Bank Online Banking. TRANSITION RESOURCE GUIDE 35

36 For Your Security: Advanced Login Authentication The first time you log in to Personal Online Banking, you must go through advanced security login authentication. After entering your User ID, the below screen will appear, asking you to initiate this advanced security authentication. Login Authentication Steps First, you must choose your preferred authentication method: Method 1 will provide you the authentication code by phone call or a text message. Reference page 37 for step-by-step directions. OR Method 2 will provide you with a series of personal questions you must answer correctly. You are required to answer 3 out of 4 correctly to move forward with the authentication process. Reference page 38 for step-by-step directions. Select preferred authentication method: Method 1: Select continue with security code button. Method 2: select the answer verification questions link. Helpful Tip If you are unsuccessful in your first attempt to complete the advanced authentication for Method 1 or Method 2, you will have two more opportunities for successful authentication. After the third failed attempt, you will receive a message indicating that Online Banking was Unable to process the request. If you receive this message, please call our Customer Care Center at for assistance. Representatives stand ready to help Monday Thursday, 8:00 AM 6:00 PM (ET); Friday, 8:00 AM 7:00 PM (ET); and Saturday, 8:00 AM 1:00 PM (ET). 36 Ameris Bank

37 Method 1 Step 1 Select how you would like to receive the one time security code: through an automated phone call or by text message. Step 2 Click Continue. Step 3 Regardless of whether you choose to receive the one-time code from a phone call or text message, follow the instructions within each prompt to finalize advanced authentication. Step 4 Once complete, you will be asked for the password previously provided to you (or established during the enrollment process) and will then be granted access to Personal Online Banking. TRANSITION RESOURCE GUIDE 37

38 Method 2 Step 1 A pop-up box will appear, asking for the first name, last name and date of birth within your banking profile. Step 2 Click continue. Step 3 A second pop-up box will appear, outlining four questions specific to you, based on public and commercially available information. You must answer 3 of the 4 questions accurately. Step 4 Once complete, you will be asked for the password previously provided to you (or established during the enrollment process) and will then be granted access to Personal Online Banking. 38 Ameris Bank

39 Personal Online Bill Pay Online Bill Pay will automatically transition from Bank of America to Ameris Bank. If you previously used Bank of America Online Bill Pay, enrollment in Ameris Bank Online Bill Pay is not necessary; therefore, begin with step 4, for instructions on how to reestablish payees, schedule and pay bills. Online Bill Pay Instructions 1. Log in to Personal Online Banking 2. Select Make Payments 3. Select Enroll Now 4. Enter Payee Information 5. Click Add 6. Enter Requested Payee Information 7. Received Confirmation of Payee Setup 8. Schedule Payments Step 1 Log in to Personal Online Banking. Step 2 Select Make Payments tab located within the top navigation. Step 3 Click Enroll Now. TRANSITION RESOURCE GUIDE 39

40 Step 4 Start by entering the person or business name you would like to pay using Online Bill Pay. Helpful Tip: Step 4 To help in finding your payees, once you begin typing in the open field, several preloaded payees will appear. If you do not see your payee in the list, continue typing the entire name of the person or business. Step 5 Click Add. Step 6 Enter all requested information. Helpful Tip: Step 6 If payee is found within our system, you will be prompted to enter the account number and zip code to complete their Step setup. 7 Click Continue. 40 Ameris Bank

41 Step 7 You will receive a confirmation page indicating the successful establishment of your payee within Online Bill Pay. ACCESS CHECKING Step 8 From the Pay Bills homepage, you can pay your payees by entering the amount, scheduling the date, and clicking Pay. From this webpage, you can also schedule reminders or place payment on auto payment. Helpful Tip: Step 8 All established payees will remain in your history list for the next time you process an Online Bill Payment. TRANSITION RESOURCE GUIDE 41

42 Personal Online Banking E-Statement Steps for Denoting Preference to Receive E-Statements 1. Log in to Personal Online Banking 2. Select Statements 3. Select Change statement Delivery Method link 4. Indicate Online Method 5. Accept Agreement and Disclosure 6. Receive Confirmation of Enrollment Step 1 Log in to Personal Online Banking. Step 2 Select Statements from left side navigation. SAVINGS ACCESS CHECKING SAVINGS ACCESS CHECKING Step 3 Click on the link Change your statement delivery method. 42 Ameris Bank

43 Step 4 Indicate Online delivery method. SAVINGS ACCESS CHECKING Step 5 Agree to the Statement Service Agreement and Disclosure. Step 6 Click Submit. Step 7 You will then receive confirmation of your preference to receive Ameris Bank E-Statements. Helpful Tip If you choose to enroll in E-Statements, your next banking statement, immediately following your enrollment, will be sent both electronically and in paper format. Thereafter, all future statements will be received in an electronic format only. TRANSITION RESOURCE GUIDE 43

44 Personal Online Banking Alerts Steps for Establishing Alerts 1. Log in to Personal Online Banking 2. Select Customer Service 3. Select Manage Alerts 4. Select Add Contact Information 5. Indicate Alerts to Receive Step 1 Login to Personal Online Banking. Step 2 Select Customer Service tab located within the top navigation. Step 3 Select the link Manage Alerts. Step 4 Select the link Add contact information to update the address and phone number these alerts will be sent to. ACCESS CHECKING jane.doe@gmail.com Step 5 Indicate the alerts you prefer to receive for each Ameris Bank Account. 44 Ameris Bank

45 Personal Text Banking Enrollment Enrollment Steps 1. Log in to Personal Online Banking 2. Click Manage Mobile Banking Settings 3. Click Activate Now 4. Follow Prompts Step 1 Log in to Personal Online Banking. SAVINGS ACCESS CHECKING Step 2 Click the Manage Mobile Banking Settings from the Quick Links menu within the left navigation. Step 3 Click the Activate Now link listed by SMS/Text Banking. Step 4 Follow the prompts to activate and begin using Text Banking. Helpful Tip Text a command to at any time, and we will reply back with your requested information instantly. Text Command B or BAL H or HIST C or CMD HE or HELP L or LOGIN M or MORE S or STOP Meaning Balance summary History of recent transactions List of Text Banking commands Help content for Text Banking URL to log in to the mobile banking website Displays more messages when available Cancels Text Banking services. This does not cancel any other modes of communication. TRANSITION RESOURCE GUIDE 45

46 Business Online Banking Customers currently using Bank of America Business Online Banking will automatically transition to Ameris Bank Business Online Banking. Prior to Monday, June 8, you will receive a separate communication, mailed through the US Postal Service, containing your new login credentials. You will use these credentials, to access Ameris Bank Business Online Banking on or after Monday, June 15. Accessing Business Online Banking: 1. Visit amerisbank.com on or after Monday, June Locate the Sign in to your account box on the homepage and ensure Business Online Banking is selected from the drop-down options. 3. First, enter the Company ID and User ID that will be provided in a separately mailed letter. Click Sign In. 4. You will then be prompted to enter the temporary Password, which will be mailed to you in a separate mailing. 5. Follow the prompt to change the temporary password to a preferred password. 6. Follow the prompt to verify your name, and phone number. 7. Follow a series of prompts for advanced security login authentication. This added level of security further protects you and your business s financial information. If you currently do not use Bank of America Business Online Banking, and wish to use Ameris Bank Business Online Banking on or after Monday, June 15, please contact your local Business Banker. Your Business Banker will assist you in the Business Online Banking enrollment process. 46 Ameris Bank

47 Mobile Banking Enrollment 1. You must be enrolled in Ameris Bank Online Banking to be eligible to use Ameris Bank Mobile Banking. 2. Download the Ameris Bank Mobile Banking App from any App store or by visiting amerisbank.com. 3. Once the App is downloaded, you will access Mobile Banking by launching your Ameris Bank Mobile Banking App on any smart phone or tablet. Users must first successfully log into Personal or Business Online Banking, before being able to log into Mobile Banking. Mobile Banking does not recognize temporary passwords; therefore, users must log into Online Banking and establish their new password before accessing Mobile Banking. 4. When logging in to Mobile Banking, use the same login credentials used to access Online Banking. There is a different app for Personal Mobile Banking and Business Mobile Banking. PERSONAL Helpful Tip BUSINESS Mobile Web Banking Enrollment: Mobile Browser Banking can be used if you do not prefer to download and use the Ameris Bank Personal Mobile Banking App. 1. On your mobile device, visit mc.amerisbank.com for Personal Mobile Web Banking or mb.amerisbank.com for Business Mobile Web Banking. 2. From the sign-on screen, enter your Online Banking user ID and password. 3. Enter your First Name, Last Name and Date of Birth when prompted. 4. Answer the 3 questions that will be presented. These questions are obtained from public information. 5. Read and accept the Mobile Terms and Conditions. 6. Enter the phone number of the device you are enrolling. 7. If enrollment and activation is successful, you will be presented the Online Banking Accounts page, listing your accounts and balances. TRANSITION RESOURCE GUIDE 47

48