Best Banks in Georgia

Learn about the best bank accounts in the Georgia.

With so many financial institutions out there, it can be time consuming to find the perfect one for you. To make things more convenient, GOBankingRates ranked the best banks in Georgia based on asset size, checking account fees, savings account interest rate, bank accessibility and the range of banking products offered. Take a look at the leading banks in Georgia and decide if it’s time to consider opening an account at a new bank.

Top 10 Banks in Georgia

These banks offer a range of products and services to help you manage your financial life. From online banks for tech-savvy customers to local banks for those who prefer in-person banking, you have many options when picking a bank. The best banks in Georgia are:

  • Fidelity Bank
  • SunTrust Bank
  • Synovus Bank
  • United Community Bank
  • State Bank and Trust Company
  • BrandBank
  • Ameris Bank
  • Hamilton State Bank
  • CharterBank
  • RBC Bank, N.A.

Fidelity Bank

Fidelity Bank offers a 0.15% APY on savings accounts and has 65 branches to serve you across the state. Branches offer a range of services including personal, auto and mortgage loans, as well as banking accounts, credit cards, and retirement accounts. The bank offers a fee-free checking account with a minimum opening deposit of $50 and no minimum balance with an average daily balance of $1,000.

A Better Way to Bank

When you provide Fidelity with your name, email, phone number and address online, a member representative will reach out to you to open an account. Fidelity offers these free services and products with every account:

  • Visa check card
  • Online banking with bill pay
  • Electronic statements
  • Mobile banking with mobile deposit
  • Return of check images
  • Direct deposit and automatic payments

Check Out: 11 Must-Have Features All the Best Bank Accounts Offer

SunTrust Bank

SunTrust Bank offers incredible accessibility with almost 1,200 banks nearby and a full slate of banking products. With a 0.01% APY offered on its savings account, the bank isn’t breaking any records, but it offers other attractive benefits. Although the bank doesn’t offer any no-fee checking accounts, you can have the fees waived if you meet certain requirements. Plus, when you use the SunTrust debit card, you can unlock special SunTrust deals to get extra cash back.

You can open a SunTrust Bank account online with your name, Social Security number, government ID, address, and method to fund your account if you’re at least 18. All SunTrust Bank checking accounts feature:

  • Online banking with bill pay
  • Mobile banking and deposit
  • SunTrust Mastercard debit card
  • Credit card cash back awards
  • Direct deposit
  • Account alerts
A Better Way to Bank

Check Out: Best SunTrust Bank Promotions

Synovus Bank

Synovus Bank is a full-service bank with nearly 250 locations across the Southeast, including Georgia. In addition to offering 0.02% APY on savings accounts, Synovus offers a range of credit card offers with different rewards, like travel and cash back, to suit your preferences. Plus, the bank offers estate planning.

You can visit your local Synovus Bank branch to open an account in person. All of the bank’s personal checking accounts offer these free features:

  • Unlimited free transactions at Synovus and Publix Presto! ATMs
  • Visa check card
  • $2,500 personal identity theft benefit
  • Standard overdraft privilege
  • Online and mobile banking
  • Unlimited bill pay

United Community Bank

United Community Bank offers a range of banking products and services, 0.02% APY on savings accounts, and a low direct deposit requirement to waive monthly fees. The bank’s debit card offers an extended-warranty feature that extends the manufacturer’s coverage for up to $10,000 for 12 months and refunds you up to $250 if you’re not satisfied with a purchase within 60 days.

Plus, you can also open a health savings account to save for future medical expenses. Account holders are eligible for a services such as:

  • 24-hour telebanking
  • Electronic statements
  • Direct and mobile deposit
  • Alert messages
  • Notary services
  • Mobile wallet
A Better Way to Bank

State Bank and Trust Company

State Bank and Trust Company offers a full suite of banking services and products, including a 0.25% APY on savings accounts. The Personal eChecking account carries no monthly fee and offers unlimited electronic transactions. For unlimited check writing, however, you must pay either a $6 monthly fee or have a $1,000 average daily balance.

Apply online with your driver’s license or other government-issued ID, citizenship or resident alien status, and a method to fund your new account. You can get these free services with State Bank and Trust’s personal checking accounts:

  • Online banking with bill pay
  • Debit Mastercard
  • Mobile banking
  • Text alerts
  • Person-to-person payments
  • Bank-to-bank transfers
  • Expense and budget management

Learn About: 10 Most Effective Ways to Budget Your Money at Any Age


BrandBank’s range of bank accounts — including savings accounts with a 0.50% APY — and the additional menu of banking services can help you centralize your financial life. For customers 55 or older, the bank offers an interest-earning checking account with no fee. On higher-level accounts, you can get discounts on mortgages, personal lines of credit and consumer loans.

A Better Way to Bank

Open a BrandBank checking account online with your Social Security number or taxpayer ID, driver’s license or state ID, birthday, email address, physical address and a funding source for the new account. Personal checking accounts include the following:

  • Debit card with purchase rewards
  • Free ATM transactions at BrandBank and Publix
  • 24/7 telephone banking
  • Mobile banking and deposit
  • Online banking
  • Electronic account alerts
  • Personal budgeting tool

Ameris Bank

Ameris Bank has low requirements to waive minimum fees on personal checking accounts and a range of other banking products. Ameris can also help with loan needs, including mortgages, boat loans, car loans, motorcycle loans and RV loans. And if you’re in the market for a savings account, Ameris offers 0.05% APY.

Apply online for an Ameris Bank account with your Social Security number, driver’s license or photo ID, phone number and email address. Ameris personal checking accounts offer these services:

  • Online, mobile and text banking
  • Visa debit card
  • Electronic statements
  • Unlimited check writing

Hamilton State Bank

Hamilton State Bank offers options for your checking and savings needs — 0.08% APY on savings — plus credit cards, mortgages and home equity lines of credit. The bank also features money market accounts but not insurance or investment accounts. Visit any Hamilton State Bank branch to open an account in person.

The bank doesn’t offer any free checking account options, but the Hamilton Club checking account might meet your needs. With your $10 monthly maintenance fee, you’ll receive perks such as:

  • Free standard order of checks annually
  • Debit card with reward points
  • Discounts on gas and gift cards
  • Cellphone protection


CharterBank’s offerings include construction loans, holiday savings accounts and credit cards with no annual fees. Featured savings account rates are 0.04% APY. CharterBank’s Bank Rewarded Checking Account only requires $50 to open and refunds up to $20 per month in ATM charges, plus there’s no service fee when you opt for online-only statements.

Apply online for a Charter Bank account with your Social Security number, driver’s license and a debit card or credit card. Personal checking accounts feature these services:

  • ATM/MasterMoney Check Card
  • Online banking and bill pay
  • Mobile banking and mobile deposit
  • Complimentary gift upon account opening

RBC Bank, N.A.

RBC Bank offers U.S. bank accounts that allow account holders to instantly move and exchange money between the U.S. and Canada, deposit checks and pay bills with no foreign transaction fees. The bank also offers additional products such as U.S. credit cards, mortgages and loans as well as savings accounts featuring 0.05% APY.

A Better Way to Bank

You can apply for an account online if you are over 18, have a permanent address in Canada or the U.S. and have an existing account at RBC Bank. You’ll also need a Social Security number or Social Insurance number and a government ID. Additional free services the bank provides with its checking accounts include:

  • Electronic statements
  • 24/7 telephone banking
  • ATM fee reimbursements

Find Out: What Is the Best Bank or Credit Union?

Methodology: To determine the best banks in the state, GOBankingRates ranked the top 10 banks based on (1) asset-size, with $100 million minimum in assets held, according to the FDIC; (2) monthly checking account service fee; (3) savings account annual percentage rate, which was either a flat rate or the lowest tiered rate available from the bank for non-specialty savings account products; (4) bank accessibility, based on the approximate number of branches; and (5) products, with banks being scored on selection of products offered, including auto loans, mortgage loans, credit cards, investment services, and insurance. 

Data for this ranking was compiled from and verified against the individual institutions’ websites between Sept. 21 and Sept. 26, 2017. Rates, terms and conditions are subject to change at the discretion of the individual financial institutions. APY was based on the minimum deposit required to open the account. Some interest rates might be short-term or promotional offers only, and it is possible additional terms and conditions must be met in order to obtain the interest rates listed. Rates and availability might vary by region. Please verify terms and conditions before opening an account.

GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions, and other financial services organizations. Some banks mentioned in this ranking are clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement.

Related: The Best Banks of 2018

About the Author

Michael Keenan

Michael Keenan is a writer based in the Kansas City area, specializing in personal finance, taxation, and business topics. He has been writing since 2009 and has been published by Quicken, TurboTax and The Motley Fool.

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