Save more. Earn more.

Open a BanesFlex Money Market Account and earn more.

Trust Banesco USA to help you meet your savings goals and build your future, your way.




High Yield Money

Market Account

*Annual Percentage Yield

Banesco USA deposit accounts are FDIC-insured up to the standard $250,000 maximum, so you enjoy peace of mind knowing your money is protected.


Low minimum deposit to open

Open your Money Market account with as little as $2,500.


Easy access to your funds

Log in to online and mobile banking, send and receive money with Zelle®, and transfer funds electronically.

Open your account online if you:
  • Are a U.S. citizen or resident alien
  • Are at least 18 years of age
  • Have a valid Social Security Number
  • Have a valid U.S. driver’s license or state-issued photo ID

Frequently Asked Questions

  • Yes. You can deposit additional funds into your BanesFlex Money Market account at any time using BanescoMobile check deposit, transferring funds into your account, or by visiting a branch or a Banesco USA ATM.

  • Our personal BanesFlex Money Market account features free eStatements, free BanescOnline banking1, free BanescoMobile1, free online Bill Pay1. There is a $5 monthly maintenance fee that you can avoid by maintaining a $2,500 minimum daily balance in the account.

  • Yes. You can withdraw funds surcharge-free using your VISA(R) Debit Card at BanescoUSA ATMs, Allpoint® ATMs and ATMs that are part of the VISA Global network. You can also transfer funds using BanescOnline or BanescoMobile, by visiting a branch, or scheduling one-time or recurring payments in Online Bill Pay. Since a BanesFlex Money Market account pays you a competitive interest rate, there are some limitations on withdrawals. You can make six free withdrawals each statement period, and there is a $10.00 fee for each additional withdrawal.2 If you need an account with unlimited withdrawals and checkwriting, click here to find your account.

  • New money is money not currently deposited in a Banesco USA account.

  • When you complete our convenient online account opening, you can easily link your accounts at other financial institutions and transfer funds with just a few clicks.

  • All Banesco USA deposit accounts, including Money Market accounts, are FDIC-insured up to the standard maximum amounts: $250,000 for an account owned by one person and up to $250,000 per owner for an account owned with someone else, like a husband and wife. The FDIC (Federal Deposit Insurance Corporation) was established in 1933 as a U.S. government agency that protects depositors against the loss of their deposits if an FDIC-insured bank fails. The coverage is automatic beginning on the day you open your account.

Terms and Conditions:
Annual Percentage Yield (APY) is subject to change at any time without notice. APYs valid as of July 2022. The minimum balance to open and maintain to avoid the below balance monthly fee of $5.00 is $2,500.00 and $300.00 minimum daily balance to earn the APY. Fees may reduce earnings.Offer valid only for new accounts and for new money which is funds not currently deposited at Banesco USA. All Banesco USA products and services are subject to applicable customer agreements, terms, conditions, disclosures and application requirements. Some services require enrollment.

1Banesco USA does not charge a fee to use online banking or to download or use the mobile banking app. Check with your wireless carrier for data usage and other charges. Account transaction fees apply. Refer to the Schedule of Fees and Service Charges.

2Transaction Limitations: You may make 6 withdrawal(s) from your Money Market account every statement cycle. This limitation applies to Online Banking and Mobile Banking transfers or payments, automatic or pre authorized transfers, telephone transfers, drafts or debit card transactions. Any withdrawals or transfers exceeding this limitation will incur a $10.00 fee. The preauthorized or automatic transactions may be initiated by telephone banking, online or mobile banking or standing order. Limit does not apply to in person withdrawals or withdrawals at an ATM. Zelle®️ and the Zelle®️ related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Member FDIC.



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We will reply Monday through Friday between 9:00 am and 5:00 pm.