Open Account 
Disclosures:
Available to domestic clients only. Additional fees and service charges may apply. Refer to the Schedule of Fees and Service Charges.
1 Wire transfers not available for accounts opened online.
2 Available to individuals with a Social Security Number who are enrolled in Online Banking. FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries. Banesco USA and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Banesco USA and Fair Isaac do not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating.
3 Student Checking available to students age 18-25 with valid school ID.
4 If you maintain the required balance, we will either waive or refund the below balance maintenance fee. The combined monthly average balance is based on collected balances for qualifying relationship deposit accounts per statement cycle. Qualifying relationship deposit accounts include retail and business checking, Money Market, savings, and time deposit accounts with primary, joint, authorized signer, trustee, beneficiary, director, partner, minor, and shareholder relationships. Collected balance means we only include those funds for which we have actually received payment. The combined monthly average balance is calculated by adding the closing balance in the account(s) at the end of each day and dividing the total by the number of days in the statement cycle (interest paid by the Bank is not included). BanescoSelect products are eligible for additional reward benefits as stated in this product guide. To earn BanescoSelect Rewards, balances up to but not including the statement date will be considered.
5 One standard order of 80 checks per calendar year when ordered via your BanescoSelect Relationship Manager. Available for checking accounts.
6 Debit cards are available for checking accounts. Delivery charge is waived. Fee reimbursements applied as account credit at the end of the cycle.
7 Includes incoming and outgoing wires. Reimbursement applied as an account credit at the end of the cycle.
8 You 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 fee per occurrence.
9 Certificates 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.
*Annual Percentage Yield. APYs valid as of 10/02/2026. 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. The account must be opened with a minimum deposit of $1,000 and the minimum to earn the APY is $0.01, if opened in a branch or online for clients in the Continental U.S. To earn stated APYs, 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. 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.
**CD calculator is for illustrative and interactive purposes only and is not intended to provide financial advice. We cannot and do not guarantee calculator applicability or accuracy in regard to your individual circumstances.
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.
Services not available with all accounts. See chart below for details.
