Continental U.S.
Accounting Firms & CPAs
A relationship built on more than just numbers
Like you, we see possibilities in the numbers. When building our relationships, we set the numbers aside to focus on what truly matters — your priorities and our partnership.
Financing to advance your business ambitions
As your firm evolves, grows, and pursues new business strategies, we offer financing solutions to support your plans.
A spectrum of specialized financing options are available to handle partner transitions and ownership changes, purchase office space with or without construction, and finance office enhancements.We customize working capital lines of credit and other short-term lending options to align with your business objectives.
Eligible accounting firms may qualify for up to 100% financing.
Accounts with simplified digital banking
Remote Account Management
Online and mobile access provide full visibility and control over your accounts, enabling you to manage transactions from anywhere.
Automated Cash Optimization
Effortless transfers that ensure your accounts are always funded with balances to meet your liquidity needs.
Delegated Access
Online banking permissions to grant to your trusted staff and free your time while maintaining the privacy of your account activity and balances.
BanescoSelect Rewards
A broad range of solutions to manage payables and receivables
Your BanescoSelect Relationship Manager, in partnership with a Banesco USA Treasury Management Specialist, will tailor a suite of services to enhance the efficiency of processing incoming and outgoing payments, optimizing your cash position.
Payables Management
Disburse funds digitally with wire transfers, ACH Originations, and Zelle® for your small business. These services reduce processing time, ensuring timely payments while maintaining optimal cash flow.Receivables Management
Accelerate the receipt of client payments with our digital receivables management tools.Deliver heightened client satisfaction by expanding their payment options to include Zelle®, credit cards, debit cards, and digital wallets. You have the option to apply the credit card processing fee as a surcharge to transactions.
For clients who prefer to pay with paper checks, Remote Deposit Capture,2 mobile deposit, and Lockbox Services offer efficient processing.
Streamlined expense management
Purchasing card
Simplify practice-related spending with a Visa Purchasing card that offers efficient expense tracking.
Business Visa Debit card
Conveniently pay for purchases and upload to digital wallet to pay without plastic.
Banesco USA oversees your accounts to prevent fraud and protect you from cyber threats
Leveraging the power of AI and human oversight, we monitor your accounts for unusual activity, ensuring it is promptly brought to your attention.
Our online banking platform gives you the flexibility to manage authorized users, set transaction limits and view processing history. Two-factor authentication provides enhanced security and paperless statements are securely stored for your private viewing and download.
Your Banesco USA deposit accounts are insured by the FDIC up to the standard maximum amount. We offer multimillions in additional FDIC insurance protection through ICS® and CDARS® for deposit balances exceeding $250,000.
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.
Purchasing cards are subject to credit approval. Earn cash back on total annual purchases. Rebate calculated based on total spend for the year and paid out as an ACH deposit into checking account or statement credit. 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.
3Home 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.
Use of the ICS and CDARS services is subject to the terms, conditions, and disclosures set forth in the CDARS-ICS Participating Institution Agreement and applicable Deposit Placement Agreements. Limits apply, and customer eligibility criteria may apply. CDARS, ICS, Insured Cash Sweep, One-Way Buy, and One-Way Sell are registered service marks of Promontory Interfinancial Network, LLC, now IntraFi NetworkSM. Floating-Rate Funding and Insured Overnight Funding are service marks of IntraFi Network.
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.
We’ve refreshed our logo to reflect the progress we share and the possibilities ahead