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Banking

Online and digital technology with service from a Relationship Manager to confidently manage your liquidity from anywhere in the world
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We understand you have distinct preferences when it comes to banking. Whether you opt for the expedience of digital banking, the personalized attention of a dedicated Relationship Manager, or a blend of the two, we specialize in creating an experience as unique as your lifestyle.

As you move along your financial journey, we remain by your side, ready to adapt your experience as your priorities change.

FDIC-insured account options include checking, savings, Certificate of Deposit, and Zero Balance accounts.

BanescoSelect Rewards

Reserved for BanescoSelect clients, the benefits of Relationship Rewards increase as the balance in your combined accounts grows. Save on fees, earn higher interest rates, and enjoy additional benefits.1
Personal Accounts & BanescoSelect Rewards Business Accounts & BanescoSelect Rewards
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Your time is valuable, so we’ve made the management of your finances in the U.S. seamless and secure

Privately move funds with wire transfers, bill pay, and account-to-account transfers using online or mobile banking.

Our robust mobile app brings the features you need to your smartphone, including check deposit, the ability to lock and unlock your Visa Debit card, and options to set up important account alerts.

Digital banking services tools make paying bills effortless. Auto-debit and recurring bill pay automate payments and guarantee you pay on time to avoid unnecessary fees.

Zelle® is available to send and receive money with your personal and business accounts.

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Student Checking

A privilege for BanescoSelect families

The digitally-serviced account offers the convenience and security of online banking, mobile banking, and Zelle®.

When uploaded to a digital wallet, the Visa Debit card adds the additional flexibility to pay contactless online, in person, and in-app.

Easily fund your student’s account monthly or as often as needed with online or mobile transfers from your account.

Visa Debit card

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Enjoy the convenience of withdrawing cash at ATMs worldwide, without fees depending on your BanescoSelect Rewards.

Contactless debit cards offer easy payment in person, online, and in-app. Personal debit cards can be loaded on to your digital wallet for extra convenience and security.

Banesco USA metal debit cards are available with personal accounts.

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Business-exclusive Account Services

With our online banking platform, you are able to grant authorized users access to your accounts and configure their allowed transactions and corresponding limits.

Funds availability is streamlined and accelerated with ACH collections and Zelle® for your business. Remote Deposit Capture2 expedites processing while eliminating the need to visit a banking center 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.

Rely your Relationship Manager to understand the financial workflows of your business and design efficient solutions while ensuring you maintain the required liquidity for day-to-day operations and extended-term needs.

Explore Treasury Management services
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Privacy & Fraud Prevention

Banesco USA accounts are insured by the FDIC up to the standard maximum amount. Additional coverage is available for deposit accounts with balances above $250,000.

Your accounts are protected and secure with our account activity monitoring solutions 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.

A benefit of the Banesco USA debit card is a control feature accessed through our mobile app. You can receive notifications about card usage, temporarily deactivate your card, and block activity based on specific merchants or geographies.3

Paperless statements are posted in your online account for view and download.

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).

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

Exclusively for business accounts, Payee Positive Pay verifies the authenticity of payee name and other information on checks presented for payment.

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

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 for personal accounts and this product guide for business accounts.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.

3Visa 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.