Banking

Online and digital technology with service from your BanescoSelect Relationship Manager to confidently manage your liquidity from anywhere in the world.

We understand you have distinct preferences when it comes to banking. Whether you opt for the expedience of digital banking, the personalized attention of your dedicated BanescoSelect 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. Account options include checking, savings, Money Market and Certificates of Deposit. For law firms and attorneys, we offer Interest on Trust Accounts (IOTA) to securely manage client funds in full compliance with regulatory requirements.

BanescoSelect Rewards

Reserved for BanescoSelect clients, rewards increase as the balance in your combined accounts grows. Save on fees, earn higher interest rates and enjoy additional benefits.
Personal Accounts & BanescoSelect Rewards Business Accounts & BanescoSelect Rewards
Your time is valuable, so we’ve made the management of your finances 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 Card1 and options to set up important account alerts. Digital banking services and 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.

Student Checking

An account for BanescoSelect families.
The digitally-serviced account offers secure access to online banking, mobile banking and Zelle®. When uploaded to a digital wallet, a 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

A metal card that makes a statement.
Enjoy the convenience of withdrawing cash at ATMs worldwide. Contactless debit cards offer easy payment in person, online, in-app and in digital wallet for extra convenience and security. Specify personalized debit card usage permissions with Card Controls.1
Personal bankingProfessional Banking Solutions

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 Direct Debit, Zelle® for your business and Merchant Services. Lockbox Services and Remote Deposit Capture2 expedite processing while eliminating the need to visit a branch to deposit paper checks. Positive Pay protects against the risk of fraudulent ACH and paper check transactions with automatic authentication before transactions are processed. Rely on your BanescoSelect 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

Privacy & Fraud Prevention

Banesco USA accounts are insured by the FDIC up to the standard maximum amount. In addition to FDIC insurance coverage for deposit accounts, we offer ICS® for balances exceeding $250,000 to provide up to multimillion-dollars in additional FDIC insurance.

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 online banking and our mobile app. You can receive notifications about card usage, temporarily deactivate your card and block activity based on specific merchants or geographies.1

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

Exclusively for business accounts, Positive Pay verifies the authenticity of payee name and other information on ACH and check transactions prior to processing.

1Card Controls is available with Visa Debit Cards for personal checking accounts that are enrolled in Online Banking. Metal Visa Debit Cards are available for personal checking accounts.

2Equipment rental fees not included. For more information about Treasury Management products and fees, contact your Treasury Management Specialist or email tm@banescousa.com.

Merchant Services provided by FiServ.

To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and used herein under license. Transactions usually occur within minutes.

IntraFi and ICS are registered service marks, and the IntraFi Cash Service is a service mark, of IntraFi Network LLC.