Personal Banking

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

Getting to know you and understanding your lifestyle allows your BanescoSelect Relationship Manager to assemble a suite of solutions that manages liquidity of your funds.

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 BanescoSelect Relationship Manager and service team from anywhere in the world using 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.

Explore BanescoSelect Personal Rewards

BanescoSelect Rewards

Reserved for our BanescoSelect clients, you’ll be rewarded for your relationship with us. Experience exclusive benefits with a combined monthly average balance of $100,000 and above¹. Rewards increase as your balance grows to save on fees, earn higher interest rates and more.

Personal Accounts & BanescoSelect Rewards

Home Loans²

Whether you are buying a new home or second home, refinancing an existing mortgage or seek to leverage the equity in your home, 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 BanescoSelect Relationship Manager will oversee your concierge-level experience and work with our licensed mortgage loan officers each step of your transaction.

CD-secured Loans

Loans backed by your personal Banesco USA Certificate of Deposit offer an alternative to monetizing assets or drawing down cash.

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

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 that review and 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 metal BanescoSelect 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 BanescoSelect 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).

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. Balances up to but not including the statement date will be considered.

²Home loans are only available to domestic customers in the Continental U.S. Residential real estate loans are subject to credit approval. Additional conditions and restrictions may apply. Property must be located in Miami-Dade, Broward, Monroe or Palm Beach counties.

Loans are subject to credit approval. Additional conditions may apply.

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

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