Enroll in Online Banking 
Disclosures:
Available to domestic businesses only. Additional fees and service charges may apply. Refer to the Schedule of Fees and Service Charges.
¹An Earnings Credit Rate (ECR) is applied to collected balances in your Business Analysis account to offset all or a portion of fees. The ECR is established at the discretion of Banesco USA and may change at any time.
²You may make 6 withdrawal(s) from your account every statement cycle. This limitation applies to online or mobile banking transfers or payments, automatic or pre-authorized transfers, telephone transfers, drafts or debit card transactions. Any withdrawal or transfer exceeding this limitation will incur a $10.00 fee per occurrence.
³Certificates of Deposit are subject to an early withdrawal penalty based on the term of the CD: Less than 30 days, penalty is 7 days of interest. Between 31 days and 365 days, penalty is 90 days of interest. Between 366 days and 540 days, penalty is 180 days of interest. Between 541 days and 720 days, penalty is 270 days of interest. Between 721 days and 1,094 days, penalty is 365 days of interest. Greater than 1,095 days, penalty is 540 days of interest.
⁴First 10 transactions per month: No Charge Transactions up to $150.00: $0.50 fee per transaction. Transactions between $150.01 to $300.00: $0.65 fee per transaction Transactions of $300.01 or more: $0.80 fee per transaction. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience. Transactions between enrolled users typically occur in minutes.
*Annual Percentage Yield. APYs valid as of 02/09/2024. Rates are subject to change at any time and without notice. To earn the disclosed APY's, the account must be opened with a minimum deposit of $1,000 if opened in a branch or a minimum deposit of $1,500 if opened online. To earn stated APY’s, interest must remain in the account. For terms greater than 12 months that do not compound, interest cannot remain on deposit and an annual payout is mandatory. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawals prior to maturity. Interest is calculated based on the daily periodic rate on the CD principal balance and is payable on the basis of the number of days between the CD issue date and maturity date. Your daily periodic rate can be determined by dividing the interest rate by 365 days. Multiply the daily periodic rate by the number of days of the CD principal balance for determination of the interest payable on your CD. Offer available to U.S. citizens or resident aliens with a valid U.S. Taxpayer Identification Number. You must be at least 18 years of age to open an account online. Qualifying opening deposit must be new money to Banesco USA.
Accounts to manage your business cash flow
All of our FDIC-insured commercial accounts are supported by personalized service from a dedicated team of experienced bankers committed to helping you get the most out of your relationship.
Account services and features.
Online Banking & Bill Pay
Securely access your accounts with the added convenience of paying bills online to eliminate checkwriting.
Mobile Banking with Check Deposit
Check balances, transfer funds, pay bills and deposit checks on the go.
Contactless Visa Debit Card
Pay contactless and monitor transactions online to manage expenses.
Zelle® for your small business
Send and receive money with other eligible small businesses and accept customer payments.⁴
eWires
Schedule domestic and international wires in online and mobile banking.
Free eStatements
Sign up to receive account statements online to avoid mail delays and reduce risk of fraud.
FDIC-Insured Accounts
Automatically receive FDIC insurance coverage up to $250,000. Higher amounts available.
Online Authorized Users
Control account access by setting up user access and entitlement controls.
Treasury Management
Select the technology-driven solutons you need to manage incoming and outgoing payments.
Compare commercial accounts.
International Business CheckingA basic account with the option to add cash management features |
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$50,000 minimum opening balance |
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$75 monthly maintenance fee |
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Earns interest |
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No Excess Item Fee |
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Zelle® for your small business⁴ |
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Visa Debit Card |
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Online Banking |
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Mobile Banking |
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Treasury Management Services |
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eWires |
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International Business SavingsAn account that earns interest with easy access to your funds |
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$50,000 minimum opening balance |
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$75 monthly maintenance fee |
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$50,000 minimum balance to earn interest |
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$10 per transaction in excess of 6 per statement cycle¹ |
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Zelle® for your small business⁴ |
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Visa Debit Card |
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Online Banking |
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Mobile Banking |
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Treasury Management Services |
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eWires |
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International Business Certificate of DepositAn account that earns a fixed rate of interest for a fixed term |
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$1,000 minimum opening balance |
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No monthly maintenance fee |
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$1,000 minimum balance to earn interest |
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Early withdrawal penalty may apply² |
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Zelle® for your small business |
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Visa Debit Card |
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Online Banking |
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Mobile Banking |
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Treasury Management Services |
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eWires |
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Other fees may apply. Please refer to the Schedule of Fees.
FDIC-Insured
Certificates of Deposit²
- Terms from 3 months to 36 months
- Lock in a fixed rate that stays the same through the CD term
- Choose the option to reinvest earnings or receive interest payments deposited into your business account monthly, quarterly or at maturity
Global Payment
Solutions
- Make payments to employees in U.S. dollars
- Process secure international transactions
- Benefit from the support of a network of international correspondent banks
Zelle® for your small business
- Zelle® is a fast and easy way for many small businesses to pay and get paid
- Small businesses can now use Zelle® to request and accept payments from their customers⁴
