**Applies only to personal domestic accounts.
Overdraft fees, insufficient funds will be declined and charged a $35 fee (international or commercial accounts) or $10 fee (applies only to personal domestic accounts) up to 5 times in one day.
This is not a line of credit, we do not guarantee coverage, overdrafts are paid at our discretion, if we do not pay an overdraft transaction, it will be declined.
Please refer to the Deposit Agreement and Disclosures for more details.
*With the exception of Time Deposits, a fee may be imposed for paid or returned overdrafts created by checks, in person withdrawals, internal debits and transfers or other electronic means. There will be no fees on daily overdraft balances of $100 or less.
7 For information on overdraft fees and overdraft related interest charges refer to our Miscellaneous Service Fees for Personal, Commercial and
8 Does not include ATM withdrawals.
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 Schedule.
Understanding Your Deposits
IMPORTANT FUNDS AVAILABILITY INFORMATION
Please review Amerant’s Understanding Your Deposit brochure.
Know Your Customer
Managing a successful Know Your Customer (KYC) Program is a requirement of the U.S. banking system. Learn More.