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.
⁴Zelle® 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 09/13/2024. Interest rates and APY are subject to change or may be withdrawn at any time at the Bank's discretion without prior notice before any CD account is opened and before a term begins for a renewing CD. To earn the disclosed APY's, the account must be opened with a minimum deposit of $1,000 if opened in a branch in South Florida,or $25,000 if opened at a Branch in Puerto Rico. To earn stated APY’s, interest must remain in the account. For terms greater than 12 months that do not compound on an annual or more frequent basis, 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. registered entities with a valid U.S. Taxpayer Identification Number. Qualifying opening deposit must be new money to Banesco USA.
Accounts to manage your business cash flow
All of our commercial accounts are supported by personalized service from a dedicated team of experienced bankers who are 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.
ACH Services
Send and receive funds electronically for fast, secure processing.
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.
CheckingA basic account with the option to add Treasury Management features |
|---|
|
$250 minimum opening balance |
|
$15 monthly maintenance fee |
|
Earns interest |
|
$0.30 per item in excess of 150 per statement cycle |
|
Zelle® for your small business |
|
Visa Debit Card |
|
Online Banking |
|
Mobile Banking |
|
Treasury Management Services |
|
eWires |
|
|
Analysis CheckingAn account for businesses with high transaction volume |
|---|
|
$500 minimum opening balance |
|
$20 monthly maintenance fee |
|
Earns interest |
|
$0.30 per item in excess of 150 per statement cycle |
|
Zelle® for your small business |
|
Visa Debit Card |
|
Online Banking |
|
Mobile Banking |
|
Treasury Management Services |
|
eWires |
|
|
Money MarketAn account with the features of a checking account that earns interest |
|---|
|
$2,500 minimum opening balance |
|
$15 monthly maintenance fee |
|
$2,500 minimum daily balance to earn interest |
|
$10 per transaction in excess of 6 per statement cycle² |
|
Zelle® for your small business |
|
Visa Debit Card |
|
Online Banking |
|
Mobile Banking |
|
Treasury Management Services |
|
eWires |
|
|
SavingsAn account that earns interest with easy access to funds |
|---|
|
$2,500 minimum opening balance |
|
$15 monthly maintenance fee |
|
$2,500 minimum daily balance to earn interest |
|
$10 per transaction in excess of 6 per statement cycle² |
|
Zelle® for your small business |
|
Visa Debit Card |
|
Online Banking |
|
Mobile Banking |
|
Treasury Management Services |
|
eWires |
|
|
Certificate of DepositAn account that earns a fixed rate of interest for a fixed term |
|---|
|
$1,000 minimum opening balance |
|
No monthly maintenance fee |
|
$1,000 minimum balance to earn interest |
|
Early withdrawal penalties may apply³ |
|
Zelle® for your small business |
|
Visa Debit Card |
|
Online Banking |
|
Mobile Banking |
|
Treasury Management Services |
|
eWires |
|
|
Other fees may apply. Please refer to the Schedule of Fees.
Open your account today.
Enjoy a seamless experience that includes personal assistance to select the account with the features and services that are right for your business.
Special CD Rates
3-month CD
5.10
%
APY*
*Annual Percentage Yield
6-month CD
4.75
%
APY*
*Annual Percentage Yield
9-month CD
4.40
%
APY*
*Annual Percentage Yield
12-month CD
4.20
%
APY*
*Annual Percentage Yield
18-month CD
4.00
%
APY*
*Annual Percentage Yield
24-month CD
3.80
%
APY*
*Annual Percentage Yield
5-month CD
4.50
%
APY*
*Annual Percentage Yield
13-month CD
4.00
%
APY*
*Annual Percentage Yield
Special CD Rates
3-month CD
5.10
%
APY*
*Annual Percentage Yield
6-month CD
4.75
%
APY*
*Annual Percentage Yield
9-month CD
4.40
%
APY*
*Annual Percentage Yield
12-month CD
4.20
%
APY*
*Annual Percentage Yield
18-month CD
4.00
%
APY*
*Annual Percentage Yield
24-month CD
3.80
%
APY*
*Annual Percentage Yield
5-month CD
4.50
%
APY*
*Annual Percentage Yield
13-month CD
4.00
%
APY*
*Annual Percentage Yield
