Business Banking

The dependability of the U.S. banking system combined with the expertise of a BanescoSelect Relationship Manager to customize a liquidity management strategy tailored to your goals

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Our business banking solutions and Treasury Management services accelerate collections and streamline payments to allow you to maintain liquidity

Secure online and mobile technology provide the freedom and flexibility to manage your financial affairs from anywhere in the world, while also granting access to your accounts to trusted individuals who can make transactions on your behalf.

We offer strategies designed for global commerce. Global payment processing options, an expansive network of correspondent banks, and lines of credit are available to support your operation.

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Bank accounts are designed to accommodate your daily needs to send and receive payments, efficiently manage multiple accounts to meet liquidity requirements, and earn interest on idle funds

We offer the flexibility to share access to your accounts with trusted individuals who can transact on your behalf, including the use of a Visa Debit card to access the account while you maintain control.

Zelle^® for your business is available to send and receive money with small businesses and consumers who are enrolled in Zelle^®.

BanescoSelect Rewards

Save on fees and enjoy other benefits when your combined business account balances reach $250,000 and above¹

Explore BanescoSelect Rewards for Business

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Accelerated funds availability

ACH collections and Zelle^® for your business streamline availability of funds in your account. Remote Deposit Capture² speeds processing and saves the time needed to visit one of our branches in Florida or Puerto Rico to deposit paper checks.

Our automated Zero Balance Accounts, for businesses incorporated in the U.S., ensure the smooth transfer of idle cash from operating, payroll, and other accounts to and from a master account, while maintaining adequate balances to meet expenses.

Liquidity preservation

Digital payables solutions, for businesses incorporated in the U.S., including ACH origination, wire transfers, and online and mobile bill pay, offer the flexibility to time the release of funds.

Our commercial lines of credit provide the opportunity to elevate working capital, finance an expansion, or acquire income-producing assets without drawing down cash.

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Risk management

Banesco USA oversees your accounts to prevent fraud and protect you from cyber threats.

Account activity is monitored to detect potential fraud. Your historical transaction patterns are analyzed and any deviation is brought to your attention.

Payee Positive Pay detects potential fraud by matching your payee and other information with checks presented for processing.

Our online banking tools make it easy to add and remove authorized users, set up transaction limits, and view processing history.

Two-factor authentication provides added protection using our mobile app, and paperless statements are posted in your online deposit accounts for view and download.

Banesco USA accounts are insured by the FDIC up to the standard maximum amount. Deposit accounts with balances above $250,000 are eligible for up to multimillions in additional FDIC insurance coverage.

Service from your Relationship Manager is complemented by secure email messaging available through online banking and the mobile app.

Account transaction and service fees apply. Refer to the Schedule of Fees and Service Charges.

Loans and lines of credit are subject to credit approval and the Bank’s credit policies. Additional conditions may apply.

¹If 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.

²Equipment rental fees not included. For more information about Treasury Management products and fees, contact your Treasury Management Specialist or email TM@banescousa.com.

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.