Puerto Rico
BanescoSelect Rewards
Save on fees and enjoy other benefits when your combined monthly average business relationship balance reaches $250,000 and above1
Small Business Banking
Banking solutions tailored for small businesses in Puerto Rico, to guide your financial journey and achieve your goals
Communication is the foundation of every relationship
We take the time to understand you – where you’ve been, where you want your business to go and the pace you want to set to continue your success. With this insight, we shape a banking experience centered on your goals.
Accounts with personal servicing to manage everyday transactions.
Your elevated banking experience is delivered by a dedicated BanescoSelect Relationship Manager who is based in Puerto Rico and supported by a team of servicing specialists, guiding the financial journey toward your vision.
Our suite of deposit solutions, including checking, Money Market, savings and CD accounts, provide day-to-day funds management while supporting growth potential. Easily manage your Banesco USA personal and business accounts with secure, single sign-in access.
Digital wire transfers enable seamless payments domestically and internationally, with options for recurring transactions. For liquidity management, automated or on-demand transfers keep your operation running smoothly across your Banesco USA accounts and accounts at other institutions. Delegate routine online banking tasks to trusted staff and keep account balances private with robust safeguards.
Financing solutions to strengthen, scale, and strategize
Access to capital is essential to realizing the full potential of your business. Our lending solutions are crafted to support operational resilience while positioning your business for strategic growth.
Our financing options include programs for minority-owned businesses to provide the flexibility to build your balance sheet, enhance revenue potential, and optimize cash flow.
Business Lines of Credit
Gain financial flexibility and fuel strategic initiatives.
Business Term Loans
Obtain the capital for growth, expansion, and achieving key business milestones with customized repayment terms.
Commercial Mortgages
Pursue property development or acquisition plans to build long-term business value.
Treasury Management services
Streamlined Payables and Receivables Solutions Your BanescoSelect Relationship Manager based in San Juan, along with a Treasury Management Specialist, customizes a suite of available digital tools to optimize payment processing and cash flow. Dedicated training and ongoing support empower you to maximize the full potential of your services. Receivables Management Accelerate receipt of payment and enhance your customers’ experience with the acceptance of digital payments including Zelle® for your small business, credit cards, debit cards, and digital wallet. For paper check receivables, Remote Deposit Capture2 and mobile check deposit provide seamless processing. Cash Services provide armored transport, deposit processing, and change orders, reducing risk and accelerating cash flow. Payables Management Efficiently manage disbursements through wire transfers, ACH originations and Zelle® for your small business, ensuring timely payments while supporting cash flow.
Deposit account transaction 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.
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.