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Personal Banking

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

Getting to know you and understanding your lifestyle allows your U.S.-based 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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Select 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.

Personal Accounts & Select Rewards

Home Loans¹

Whether you are buying a new home, second home or refinancing an existing mortgage, we offer an adjustable rate loan program with low documentation and 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 or investments with our partner Miura Capital* offer an alternative to monetizing assets or drawing down cash.

CD-secured borrowing is available for up to 95 percent of the CD amount. Loan amounts offered by Miura Capital* vary with your holdings. Repayment terms are tailored based on your relationship, and the use of funds is unrestricted.

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).

¹Property must be located in Florida & Puerto Rico. Loans are subject to credit approval. Additional conditions may apply.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

*Funds from an investment secured loan may not be used to purchase other securities. Miura Capital, LLC is a broker-dealer registered with the Securities and Exchange Commission (SEC), licensed by the Florida Office of Financial Regulation (OFR) and a member of Financial Industry Regulatory Authority, Inc. (FINRA). Securities and investment products provided by Miura Capital, LLC: Are Not FDIC Insured | Are Not Bank Guaranteed | May Lose Value | Are Not Insured by Any Federal Government Agency | Are Not A Condition of Any Banking Activity.