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    Home / International Banking / International Personal / International Personal Checking
    Amerant offers International checking accounts to customers outside of the U.S.

    Open a Secure Checking in the U.S.

    Bank confidently: Your Money is Backed by FDIC Insurance

    Compare Now

    Which Account is Right for Me

    amerant bank's international value plus checking does not earn interest

    amerant bank's International Premier Checking earns interest
    Compare Now

    International Personal Checking Account Benefits

    FDIC Insured

    All Amerant deposit accounts are FDIC insured up to the maximum of $250,000. For deposit accounts greater than $250,000, Amerant provides FDIC Insurance via ICS accounts through IntraFi.

    Simple Application Process

    Open your International Premier or International Value Plus checking account from anywhere, without the need of multiple visits.

    Dedicated Customer Service

    Our Call Center is fully bilingual (English and Spanish) with dedicated toll-free numbers for Argentina, Colombia and Venezuela.


    Calculate the insurance coverage for your deposits using the FDIC’s EDIE Calculator

    Need help deciding which service is best for you?

    I AM A
    Value Checking Interest Checking Relationship Interest Checking Student Checking
    Open Now

    More Info

    Open Now

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    Open Now

    More Info

    Open Now

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    Unlimited access to your money with no minimum balance required.

    A Checking account with money-saving features.

    Full-service account to maximize your earnings.

    No monthly balance requirements for students aged 18-24. $0 Cashier’s Checks, free first-year 3×5 safe deposit box at any location6, and more.

    Minimum Opening Balance

    $50

    $100

    $100

    $100

    Earns Interest

    Checked

    Tiered 1

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    Variable Rate 1

    Average Balance to Waive Service Fees

    $2,500 per statement cycle

    Monthly Service Fees2 

    $5

    $15

    $35

    $5 fee waived with online statement**

    Other Ways to Avoid Monthly Service Fees

    Enroll in Online Statements or Monthly Direct Deposit or complete four debit card transactions per statement cycle3 

    $50,000 combined monthly average balance in other deposit, loan, or Amerant Investment accounts4  (excludes Certificate of Deposit balances) AND Monthly Direct Deposit OR four transactions per statement cycle5 

    Online Banking

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    Includes Bill Pay, e-Bills and e-Notifications

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    Includes Bill Pay, e-Bills and e-Notifications

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    Includes Bill Pay, e-Bills and e-Notifications

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    Includes Bill Pay, e-Bills and e-Notifications

    Amerant CoverMe

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    No fee for overdrafts up to $100.

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    No fee for overdrafts up to $100

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    No fee for overdrafts up to $100.

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    No fee for overdrafts up to $100.

    Qualifies for a High-Yield Relationship Money Market Account

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    MasterCard Debit Card

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    Possibility to get cash at over 2 million ATMs around the world that display the Mastercard, Maestro®, or Cirrus® acceptance marks

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    Possibility to get cash at over 2 million ATMs around the world that display the Mastercard, Maestro®, or Cirrus® acceptance marks

    Checked

    Possibility to get cash at over 2 million ATMs around the world that display the Mastercard, Maestro®, or Cirrus® acceptance marks

    Checked

    Possibility to get cash at over 2 million ATMs around the world that display the Mastercard, Maestro®, or Cirrus® acceptance marks

    ClickSWITCH Available

    Switch your checking account from another bank easily at one of our branches using ClickSWITCH

    Checked

    Approved Online Checking Account Applicants can start using ClickSWITCH right away* 

    Checked

    Approved Online Checking Account Applicants can start using ClickSWITCH right away* 

    Checked

    Approved Online Checking Account Applicants can start using ClickSWITCH right away* 

    Checked

    Approved Online Checking Account Applicants can start using ClickSWITCH right away*

    Open Now

    More Info

    Open Now

    More Info

    Open Now

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    Open Now

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    Value Plus Checking (Intl) International Premier Checking
    Start Now

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    Start Now

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    An account with easy access to your money and an unlimited number of transactions. Apply over the phone with a Relationship Manager.

    Interest-bearing checking with favorable interest rates, easy access to your money, and an unlimited number of transactions. Apply over the phone with a Relationship Manager.

    Open An Account Over the Phone

    Checked

    Checked

    Minimum Opening Balance

    $25,000

    $25,000

    Earns Interest

    N/A

    Checked

    Tiered1 

    Balance to Waive Maintenance Fees

    $25,0007 

    $25,0007 

    Monthly Service Fees2 

    $50 monthly8 

    $50 monthly8 

    Other Ways to Avoid Monthly Service Fees

    $50,000 combined monthly average balance in deposit or Amerant Investment accounts4 

    $50,000 combined monthly average balance in deposit or Amerant Investment accounts4 

    Online Banking

    Checked

    Includes e-Notifications

    Checked

    Includes e-Notifications

    MasterCard Debit Card

    Checked

    Possibility to get cash at over 2 million ATMs around the world that display the Mastercard, Maestro®, or Cirrus® acceptance marks

    Checked

    Possibility to get cash at over 2 million ATMs around the world that display the Mastercard, Maestro®, or Cirrus® acceptance marks

    Start Now

    More Info

    Start Now

    More Info

    24/7 International Flexible Banking On-the-Go

    Online Banking

    Pay bills, manage deposits and transfers, get e-statements, send and receive money with Zelle®***, add travel notices, and lock your debit card with our secure online banking service.

    Amerant MobileSM

    Deposit checks, pay bills, send and receive money with Zelle®***, get e-notifications, access 24 months of statements, add travel notices, and lock your debit card—all from your phone.

    Digital Wallet

    A Digital Wallet stores your payment options, such as your Amerant credit and debit cards, allowing you to conveniently use your smartphone or smartwatch to make a purchase.

    Frequently Asked Questions

    Yes. Deposits up to $250,000 are FDIC-insured.

    EDIE can be used to calculate the insurance coverage of all types of deposit accounts offered by an FDIC-insured bank, including:

    Checking Account, Savings Accounts, Money Market Deposit Accounts (MMDAs), and Certificates of Deposit (CDs)

    In order to calculate how much of your deposit can be insured please visit the FDIC EDIE calculator.

    Yes, you may apply for an International Premier or International Value Plus account over the phone or at a local banking center.

    Yes we do! It is already available within the Amerant MobileSM app and the Amerant Online BankingSM platform. Learn how to enroll in Zelle®.

    The minimum opening balance for the International Value Plus and International Premier Checking account is $25,000.

    * Approved online applicants for domestic checking accounts will receive an email from noreply@amerantbank.com to get started with ClickSWITCH®. The email provides instructions on how to create an account with ClickSWITCH® to transfer over their direct deposits and more. Customers also have the option to disregard the ClickSWITCH® email and not use this service. The option to visit a branch to enroll in ClickSWITCH® is also available.

    ** All student Checking account holders will automatically be enrolled in Online statements during account opening. The account holder may Opt-out of online statements through online banking and be assessed a $5 monthly maintenance fee.

    *** Must have a bank account in the U.S. to use Zelle®.

    1 At our discretion, we may change the interest rate and the annual percentage yield on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). If you close your account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day.

    2 For additional fees, please refer to our Miscellaneous Service Fees Schedule.

    3 Does not include ATM withdrawals.

    4 Investment products purchased through Amerant Investments are not FDIC insured and are not deposits or other obligations of, or guaranteed by, Amerant Bank or any of its affiliates and are subject to investment risks including possible loss of principal invested. Member FINRA/SIPC, Registered Investment Adviser.

    5 Transactions include: ATM withdrawals, POS debits, wire transfers, ACH, checks and deposits.

    6 Subject to availability or an equivalent discount on a larger Safe Deposit Box

    7 Average Monthly Balance is used to calculate Monthly Maintenance Fee.

    8 These charges will be applied when the account’s monthly average balance is less than the monthly average balance required.

    9 Minimum daily balance is used for International Value Checking.

    10 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.

    11 Must have a bank account in the U.S. to use Zelle®.

    USA PATRIOT Act

    To help the government fight the funding of terrorism and money laundering activities, the Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

    What does this mean for you? When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.

    Important Notice Regarding Wire Transfers

    IF WE DO NOT HAVE YOUR FUNDS TRANSFER AGREEMENT IN OUR FILES, WE WILL NOT BE ABLE TO EXECUTE TRANSFERS.

    We value our relationship and it is important for us to safeguard your privacy and ensure that your funds are protected against fraudulent activity at all times. For this reason, we are providing you a link to our Electronic Funds Transfers Disclosure, Funds Transfer Agreement and contract.

    Customers who request wire transfers through an Account Officer, should download the new wire transfer “Wire Transfer Form” and Electronic Signature Agreement (E-sign Agreement) to authorize this type of transaction. The E-sign Agreement will only need to be signed the first time a wire transfer is initiated.

    For fees related to this service, review our  Miscellaneous Service Fees.

    Understanding Your Deposits

    IMPORTANT FUNDS AVAILABILITY INFORMATION

    Please review Amerant’s Understanding Your Deposit brochure.

    Important Information Related to the W-8 Form

    The IRS implemented different W-8 forms for individuals and entities. For more detailed information regarding the W-8BEN and W-8BEN-E, visit www.irs.gov.

    Please complete the form(s) below:

    1. W-8 for Individuals (Personal Accounts W-8BEN)
      In accordance with U.S. Internal Revenue Service – IRS regulations, the Bank is obligated to withhold taxes on U.S. interest to foreign customers unless it has received a properly completed Substitute Form W-8BEN “Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding” from the customer. All Substitute Forms W-8BEN are registered and maintained in the Bank’s files. Please follow the link to the Substitute Form W-8BEN.
    2. Explanation of US Mailing Address. Please follow the link to the Form.
    3. Send all documentation to: documentos@amerantbank.com. Add copy of unexpired government issued ID for every beneficial owner.
    Know Your Customer

    Managing a successful Know Your Customer (KYC) Program is a requirement of the U.S. banking system. Learn More.

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    The entire contents of this website are subject to copyright protection. The content available on this Website is the property of Amerant Bank, N.A., Amerant Investments, Inc., or its licensors and is protected by copyright and other intellectual property laws in the United States of America and by international copyright laws.

    This site uses cookies and other tracking technologies to assist with navigation and your ability to provide feedback, analyze your use of our products and services, assist with our promotions and marketing efforts.

    Banking products and services are provided by Amerant Bank, N.A. Member FDIC. Equal Housing Lender – NMLS ID #432244.
    Amerant Investments, Inc (Amerant Investments)is  a dually registered broker-dealer and investment adviser registered with the Securities and Exchange Commission (SEC) and member of FINRA/SIPC. Amerant Investments is an affiliate of Amerant Bank N.A.

    Investment Services are provided by Amerant Investments.

    Rule 606 Disclosure of Order Routing Practices.

    Check the background of Amerant Investments on FINRA’s BrokerCheck

    View our Client Relationship Summary Form (CRS)

    Investments are Not FDIC or any other Government Agency Insured | Are Not Bank Guaranteed | May lose value

    Trust services offered through Amerant Bank, N.A. and are limited to trust administration.


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