Dental Practices & Dentists

Banking solutions designed to support your success and financial goals.

A relationship that begins with a conversation.

In a world where technology is transforming the banking landscape, we believe that the foundation of every banking relationship deserves to be built on personalized attention.

Financing solutions for long-term growth and success.

Whether you’re launching a new practice, acquiring one or improving operations, we offer tailored financial solutions to confidently pursue your vision.

To support every phase of your practice growth and ownership, we’ll help you navigate financing for partner buy-in and buy-out, owner-occupied commercial real estate loans with or without construction and tenant improvement loans, including buildout financing. We’ll analyze your cash flow history and projections to customize terms for working capital lines of credit and other short-term loan solutions to support your business strategies and daily operations.

Eligible dental practices 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

Save on fees and enjoy other benefits when your combined monthly average business relationship balance reaches $250,000 and above.¹

Explore BanescoSelect Rewards for Business

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 Origination and Zelle^® for your business to reduce processing time.

Payee Positive Pay verifies the payee details you upload against checks presented for payment before processing.

Receivables Management

Offer your patients convenient payment options, including Zelle^®, credit cards, debit cards and digital wallet. You also have the flexibility to apply credit card processing fees as a surcharge on transactions.

For patients who prefer paper checks, Remote Deposit Capture², mobile deposit and Lockbox Services allow expedited access to funds, often by the next business day.

Streamlined expense management.

Purchasing Card

Simplify practice-related spending with a Visa Purchasing Card that offers efficient expense tracking.

Business 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.

Stay in control of your finances with automated services that monitor account activity and the ability to enroll to receive notifications when there is a transaction in your account that exceeds limits you determine.

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^® for deposit balances exceeding $250,000.

Account transaction and service fees apply. Refer to the Schedule of Fees and Service Charges.

Commercial loans are subject to credit approval.

Home 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.

Purchasing Cards are subject to credit approval. 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. 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.

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 are used herein under license.

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