Medical Practices & Physicians

Banking solutions designed to pursue your financial aspirations while you focus on patient care.

A relationship built on understanding.

As technology transforms the financial landscape, we believe that every banking relationship should be anchored in personalized expertise and insight.

Financing solutions to  sustain growth.

Whether you’re establishing a new practice, transitioning ownership or expanding your current practice, we offer strategic financial options tailored to your specific goals.

With our financial expertise and your vision, you’ll confidently help you take your next step. We provide tailored financing solutions for partner buy-in and buy-out, owner-occupied commercial real estate loans with or without construction, or tenant improvement loans. 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 medical 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 Originations and Zelle^® for your business. These services reduce processing time, ensuring timely payments while maintaining optimal cash flow.

Receivables Management

Accelerate patient payments with our digital receivables management tools.

Deliver heightened patient 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 patients who prefer to pay with paper checks, Remote Deposit Capture², 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 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^® 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.