Open Account
Disclosures:
Account transaction fees apply. Refer to the Schedule of Fees and Service Charges. Equipment rental fees not included.
Loans are subject to credit approval and the Bank's credit policies. Additional conditions may apply.
Purchasing cards are subject to credit approval. Earn cash back on total annual purchases. Rebate calculated based on total spend for the year and paid out as an ACH deposit into checking account or statement credit. Additional conditions apply.
Merchant Services available to business customers in the continental U.S. and Puerto Rico. Merchant Services in the continental U.S. provided by FiServ. Merchant Services in Puerto Rico provided by Dynamics Payments.
Lockbox Services available for business customers in the continental U.S.
Apple® and the Apple logo® are trademarks of Apple Inc., registered in the U.S. and other countries. Google Play is a trademark of Google LLC.
Zelle® is available in over 2,300 banking and credit union apps. To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled consumers typically occur within minutes. Check with your financial institution. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Hurricane advice
Steps to take before and after the storm
Prepare in advance
Deposit checks remotely
Deposit checks using the camera on your mobile device. For higher volume of check deposits, sign up for Remote Deposit Capture to deposit checks securely from your work or other location using a desktop scanner.
Remote Deposit Capture requires set up by a Treasury Management Specialist.
Remote Deposit Capture requires set up by a Treasury Management Specialist.
Activate wire services
Be ready to send domestic or international wires, same day or scheduled for a future date, when your primary systems are down. Wire Services require advance enrollment.
Online or Mobile Banking > Services > Client Services > Request Wire Transfer Services
- A wire specialist will contact you within two bank business days to assist you
- You will receive a confirmation email and secure message when your wire service activation is completed
Accept card payments
Keep sales going during outages: accept secure payments by credit, debit, and major digital wallets, online or in store. Merchant Services enrollment is required in advance to enable these options. Set it up beforehand so checkout stays available when systems go down.
- Funds are available in your account as soon as 48 hours
- Choose from mobile device and point of sale terminals
- No contract or cancellation fees
Ensure liquidity
Set up a business line of credit now so working capital is ready when you need it. Cover payroll, inventory, or unexpected repairs without delay.
Access funds quickly, repay as cash comes in, and draw again as needed. Application and approval are required in advance.
Emergency expenses
Keep spending moving during disruptions with Purchasing cards, a secure way for staff to pay for supplies, emergency repairs, and travel in person or online. Set individual limits, track expenses, and reduce reimbursements.
Purchasing cards require application and approval in advance.
Zelle® for your small business
Send and receive payments with customers and eligible small businesses using a U.S. mobile number or email. No account numbers needed. Useful for invoices, deposits, or quick refunds. Limits and recipient eligibility apply.
Online or Mobile Banking > Transfer & Pay > Zelle®
Provision for payroll
Set up Direct Deposit via ACH so employees are paid on time, even if normal operations are disrupted.
Enroll in ACH Origination now, establish templates and dual controls, and add a backup approver.
Same Day ACH may be available. Enrollment and approval required in advance.
Right before a storm
Update contact information
Confirm your email, phone number, and contact details in Online Banking to ensure we can reach you quickly before, during, or after a storm.
Online or Mobile Banking > Services > Client Services > Update Contact Information
Withdraw cash
Keep cash on hand in case ATMs or debit card networks are unavailable during or after a storm. Accessible funds help ensure you can pay for essential items like food, fuel, and supplies when electronic payment systems may not be reliable.
Add authorized users
In preparation, give trusted employees authorized access to make deposits, send payments, or view balances, with custom entitlements and transaction limits for each user.
Online or Mobile Banking > Commercial > User > Add User
Manage payables
Make future date vendor payments using wires, ACH, and bill pay in Online Banking and the mobile app.
Wire Services require enrollment in advance
Online or Mobile Banking > Services > Client Services > Activate Wire Transfer
Schedule loan payments
Easily schedule automatic loan payments through ACH or Bill Pay in Online Banking or the mobile app. Setting up recurring payments helps you stay current and avoid missed deadlines, ensuring your obligations are met even if storm disruptions occur.
Enroll in eStatements
Access secure digital account statements anytime in Online or Mobile Banking. Download or print recent and past statements to track activity and keep documentation on hand.
Online or Mobile Banking > Statements & Docs > Enrollment > Digital > Acknowledge Disclosures > Submit
Add cards to digital wallet
Upload your Banesco USA debit, credit, and Purchasing cards to Apple Wallet® or Google WalletTM. Enjoy secure, contactless payments and the convenience of leaving your physical cards behind while still managing purchases with confidence.
Apple Wallet®
Google WalletTM
- Open Wallet app
- Tap the + button
- Select Debit or Credit Card
- Tap Continue
- Scan the card or enter the details manually
- Complete any verification required
Google WalletTM
- Open the Google Wallet app
- Tap Add to Wallet
- Select Payment card
- Choose New credit or debit card
- Scan the card or enter the details manually
- Accept the issuer’s terms and complete any verification required
Set up account alerts
Receive real-time alerts by text, email, voice, or secure message to stay informed about account activity. Monitor deposits, withdrawals, and payments, and maintain control of your finances at all times
Online or Mobile Banking > Settings > Alerts > New Alert
After a storm
Review account activity
View recent transactions in Online Banking or the mobile app.
Report unusual activity
Client Care Center
Mon – Fri from 8:00 am to 6:00 pm ET
888-228-1597
customerservice@banescousa.com
Note: Hours may vary due to weather conditions
Report unusual activity
Client Care Center
Mon – Fri from 8:00 am to 6:00 pm ET
888-228-1597
customerservice@banescousa.com
Note: Hours may vary due to weather conditions
Check for bank updates
Visit banescousa.com to stay updated on potential service interruptions that could affect payment processing, and get the latest information on when your nearest Banesco USA branch is scheduled to reopen after a storm or emergency.
Reconcile payroll & bills
Ensure payroll and vendor payments are processed on time by reviewing scheduled transactions in Online Banking or the mobile app. Staying current helps your business maintain stability and keep employees, partners, and vendors supported without delays.
Prepare in advance
Deposit checks remotely
Use the mobile app to deposit checks using the camera on your mobile device.
Activate wire services
Prepare to send funds electronically, throughout the U.S. and internationally, including same day and future date payments. Request wire services in advance.
Online or Mobile Banking > Services > Client Services > Request Wire Transfer Services
Emergency expenses
Establish a Home Equity Line of Credit to use the equity in your home to quickly access cash if needed for repairs.
A HELOC requires application and approval in advance.
Zelle®
Send and receive money with people you know and trust using your U.S. mobile number or email address.
Online or Mobile Banking > Transfer & Pay > Zelle®
Right before a storm
Update contact information
Confirm your email, phone number, and other contact information in Online Banking.
Online or Mobile Banking > Services > Client Services > Update Contact Information
Withdraw cash
Keep cash on hand in the event ATMs and debit card networks are unavailable during and after a storm.
Set up bill payments
Make future date bill payments using wires and bill pay in Online Banking and the mobile app.
Schedule loan payments
Schedule automatic loan payments using ACH or bill pay in Online Banking and the mobile app.
Set up account alerts
Receive alerts via text, email, voice message, or secure message to be notified about account activity.
Online or Mobile Banking > Settings > Alerts > New Alert
Enroll in eStatements
Access secure digital account statements anytime, even if mail delivery is delayed.
Online or Mobile Banking > Statements & Docs > Enrollment > Digital > Acknowledge Disclosures > Submit
Add cards to digital wallet
Upload your Banesco USA debit and credit cards to Apple Wallet® or Google WalletTM and pay without carrying a card.
Apple Wallet®
Google WalletTM
- Open Wallet app
- Tap the + button
- Select Debit or Credit Card
- Tap Continue
- Scan the card or enter the details manually
- Complete any verification required
Google WalletTM
- Open the Google Wallet app
- Tap Add to Wallet
- Select Payment card
- Choose New credit or debit card
- Scan the card or enter the details manually
- Accept the issuer’s terms and complete any verification required
After a storm
Review account activity
View recent transactions in Online Banking or the mobile app.
Report unusual activity
Client Care Center
Mon – Fri from 8:00 am to 6:00 pm ET
888-228-1597
customerservice@banescousa.com
Note: Hours may vary due to weather conditions
Report unusual activity
Client Care Center
Mon – Fri from 8:00 am to 6:00 pm ET
888-228-1597
customerservice@banescousa.com
Note: Hours may vary due to weather conditions
Check for bank updates
Visit banescousa.com to stay informed about possible service interruptions that may affect payment processing and learn when your nearest branch will reopen.
Confirm bill payments
Ensure bill payments set up in Online Banking and the mobile app were processed as scheduled.
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