Continental U.S.
Personal Banking
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.
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
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.
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.
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.
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