Personal Banking

Your money matched with your lifestyle, plus the attentive service of an experienced BanescoSelect Relationship Manager who is focused on you and your family

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Getting to know you and understanding your lifestyle allows your U.S.-based BanescoSelect Relationship Manager to assemble a suite of solutions that manages liquidity of your funds on deposit in the U.S.

Personalized service is complemented by innovative online and mobile technologies to deliver a banking experience that is truly tailored just for you.

Connect with your personal Relationship Manager and service team from anywhere in the world using WhatsApp chat conversations, video messaging, and secure email inside our mobile app.

Bank accounts are designed for ease of handling your everyday liquidity needs, including issuing payments, transferring funds, sending and receiving money with Zelle^®, and managing your accounts.

Mobile-exclusive features enable you to reset your password, deposit checks, and receive account activity alerts via text and email.

Our BanescoSelect clients transact with higher limits and fewer restrictions based on your total relationship balance.

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BanescoSelect Rewards

Reserved for our BanescoSelect clients, you’ll be rewarded for your relationship with us. Experience exclusive benefits with a combined balance of $125,000. Rewards increase as your balance grows to save on fees, earn higher interest rates, and more.¹

Personal Accounts & BanescoSelect Rewards

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Residential Loans²

Whether you are buying a new home, second home, or refinancing an existing mortgage, we offer a streamlined process, exclusively for our BanescoSelect clients

Our loan program is also available for the acquisition of residential real estate investment properties, with the option to hold title within a trust, legal entity, or other wealth structure.

Your personal Relationship Manager will be on hand to oversee your experience and work with our licensed mortgage loan officers each step of your transaction.

Asset-secured Loans

Loans backed by your personal Banesco USA Certificate of Deposit

CD-secured borrowing is available for up to 95% of the CD amount.

Repayment terms are tailored based on your relationship, and the use of funds is unrestricted.

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Privacy & Fraud Prevention

Providing you with the confidence to bank securely is our priority

Your accounts are protected and secure with our account activity monitoring solutions review to detect potential fraud. Your historical transaction patterns are analyzed, and any deviation is brought to your attention.

Multi-factor authentication provides added protection to bank on our mobile app. Your Banesco USA Visa Debit card includes Card Controls, available in online banking and our mobile app, allowing you to receive notifications about card usage, temporarily deactivate your card, and allow activity based on specific merchants or geographies.

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

We offer paperless banking. Statements are posted in your online account to view and download. Exclusive promotions tailored for your relationship are sent to you via email. With the utmost respect for your privacy, Banesco USA does not share your personal information or information related to your relationship except as permitted by law (please see our Privacy Notice).

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

Loans 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.

²Residential real estate loans are subject to credit approval and the Bank’s credit policies. Additional conditions and restrictions may apply. Property must be located in Miami-Dade, Broward, Monroe, or Palm Beach counties.

Visa Debit cards are available with checking accounts. Card Controls is available for personal accounts that are enrolled in Online Banking.

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.