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Earn interest with some of the most competitive rates in the industry.
Access account info, manage transfers, and set up alerts with online and mobile banking.
Online banking and mobile access to deposit checks, e-notifications, e-statements, Zelle®** and more.
Have peace of mind knowing your deposits are FDIC-insured up to $250,000.
More Info
An interest-bearing account with access to your funds
An interest-bearing account with higher returns and access to your funds
Money Market account with the highest interest rate with access to your funds
Guaranteed fixed rates with flexible terms from 3 months to 60 months. See our 15-Month CD Offer
$50
$100
$10,000
Checked
Tiered1
Variable Rate1
Fixed Rate
$300 per statement cycle
$5,000 per statement cycle
$5
$25
$150
Includes e-Notifications
6 checks per statement cycle3
Complimentary starter kit provided at account opening
$12 per withdrawal or transfer in excess of 6 per statement cycle3
CDs are for a fixed amount for a fixed term2,4
View Rates
More Info More Info
Interest-bearing savings account with favorable interest rates; quick and secure access to your money via your ATM Card
An interest-bearing account with competitive interest rates and a limited number of transactions
Guaranteed fixed rates with flexible terms from 3 months to 60 months
$3,000
$5,000
$2,500
$10 monthly
$20 monthly
$12 per transaction3 in excess of monthly limit
Access account info, manage transfers, and set up alerts with our secure online banking system.
View account info, access 24 months of statements, set up alerts, and initiate and manage transfers—all from your phone.
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.
ACCOUNT OPTIONS
Flexible savings options for your financial needs. Earn money with the most competitive rates in the market.
DIGITAL SECURITY
Our online and mobile banking offer tools to keep your savings safe including secure log-in and the option for you to set transfer limits and notifications for suspicious activity.
* Domestic accounts only. The advertised rate applies only in the state of Florida.
** 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 non-cash items (for example, checks). If you close your account before the end of your statement cycle, you will not receive the accrued interest.
2 For additional fees, please refer to our Miscellaneous Service Fees Schedule.
3 You may make no more than six preauthorized withdrawals, preauthorized transfers for overdraft protection, automatic or telephone transfers, checks, drafts, and debit card or other similar transactions from your account per statement cycle.
4 Early withdrawal penalties apply to CDs. Interest begins to accrue on the business day we receive credit for the deposit of noncash items. You may not make deposits into or withdrawals from your account until the maturity date. CDs can have single maturity or automatic renewal at the maturity date. If the automatic renewal feature is selected, you will have 10 calendar days after maturity to withdraw funds without penalty. For additional information and terms related to this account, please refer to the rate chart provided at account opening.
CD rates terms:
In order for international customers to open a CD, you must have an international checking or savings account as well.
For accounts opened at an Amerant Bank Banking Center location: Annual Percentage Yield (APY) is accurate as of 03/07/2023. To take advantage of this offer, CD must be opened commencing 03/07/2023 with new funds deposited to Amerant Bank. The minimum balance to open an account and obtain the advertised APY is $10,000 up to a maximum of $500,000. Stated APY is valid for Personal and Business account customers. Individual customers must be citizens or resident aliens of the United States (U.S.) with a valid U.S. Taxpayer identification number. Advertised rate is subject to change without notice. Penalties for early withdrawal may be imposed. Fees could reduce earnings on the account. CD will automatically renew for the same CD term at the current rate and APY available at that time.
For accounts opened online: Annual Percentage Yield (APY) is accurate as of 03/07/2023. To take advantage of this offer, CD must be opened commencing 03/07/2023 with new funds deposited to Amerant Bank. The minimum balance to open an account and obtain the advertised APY is $500 up to a maximum of $250,000. Stated APY is valid for Personal account customers. Individual customers must be citizens or resident aliens of the United States (U.S.) with a valid U.S. Taxpayer identification number. Advertised rate is subject to change without notice. Penalties for early withdrawal may be imposed. Fees could reduce earnings on the account. CD will automatically renew for the same CD term at the current rate and APY available at that time.
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.
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 for International Accounts.
IMPORTANT FUNDS AVAILABILITY INFORMATION
Please review Amerant’s Understanding Your Deposit brochure.
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:
Managing a successful Know Your Customer (KYC) Program is a requirement of the U.S. banking system. Learn More.
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