Ameris Bank in Live Oak, FL

Bank of America (BoA) customers around Live Oak were railroaded into this branch when the two banks decided between themselves that customers and their money could be traded piecemeal like property in a deal. We didn't open our Bank of America accounts at this branch nor even do most of our banking there--but as our residential address happened to be close by when the branch was sold obviously we don't have any right to choose our bank. Well, like many in the neighborhood and mostly because changing banks is a nuisance we decided to give this new outfit a chance to win us over. Huge mistake. Almost immediately there were errors in our account related to their clumsy transition process. It took several aggravating conversations to get these sorted out. Bank cards often did not work despite having 5 or 10 times the amount in the account that we wished to spend. This was particularly inconvenient because with Ameris you cannot reach anyone after hours or on weekends to address problems with your card. Funds availability and online banking were also a major hassle. In short their online banking would tell you funds from recent deposits were available. However the ATM would not have the same available balance. Tellers would have yet a different available balance. Problems are exacerbated if you try to access services at other Ameris branches. We were treated rudely twice in a row at the branch in Valdosta and once in Lake City. Ameris is probably the most disappointing bank I have ever used. And it wasn't even by choice. If zero or negative stars were possible this would be it!

I am happy with the Live Oak branch of Ameris. The ladies are very nice and professional. They smile and greet me by name. I was initially mad when BofA sold me out after 20 years and transferred my acct to Ameris. However, now I am happy. I closed all my other accounts with BofA. Banking to me is all about customer service. I feel like I am taken care of very well at the Ameris in Live Oak.