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    Home / Personal

    Personal Banking

    Everyday banking with added benefits and no fee overdrafts.

     Terms and Conditions apply.**

    Learn More

    Maximize Your Savings with a

    Fund a new Relationship Money Market + Relationship Interest Checking Account. Limited Time Offer.

    *Terms and conditions apply.

    Learn More

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    Building Your Financial Future. Together.

    PERSONAL CHECKING

    Designed for Your Day-to-Day

    Open a personal checking account in minutes with as little as $50. Get unlimited debit card transactions, Amerant CoverMeTM (no fees on overdrafts up to $100**), protection against unauthorized debits, access to online and mobile banking, and mobile check deposits.

    More About Personal Checking

    PERSONAL SAVINGS

    Money That Works for You

    Open an interest-earning savings account with only $50. Access your funds with no wait time, make transactions at Amerant and partner ATMs, and enjoy the convenience of online and mobile banking.

    More About Personal Savings

    24/7 Banking On-the-Go

    Online Banking

    Pay bills, manage deposits and transfers, send and receive money, add travel notices, and lock your debit card with our secure online banking service.

    Amerant MobileSM

    Deposit checks, pay bills, send and receive money, 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.

    Get More Benefits from your Everyday Personal Account

    Flexible Banking

    Online banking and mobile access to deposit checks, Bill Pay, eBill, e-notifications, e-statements, Zelle®* and more.

    Designed for You

    Headquartered in Coral Gables, Florida 23 banking centers: 16 South Florida and 7 Houston. 

    Locations

    Mastercard Debit Card

    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.

    Fraud Protection

    Zero liability for unauthorized Debit Card transactions.

    Easy to Get Started

    Open an account online today .

    From Our Blog

    News, Trends, and Tips from the Experts

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    Read up on financial education, tips for financial success, community highlights, and more.

    Learn More

    ** Applies only to personal domestic accounts.

    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 for Domestic Accounts and Miscellaneous Service Fees for International Accounts.

    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., Amerant Trust, N.A. or its licensors and is protected by copyright and other intellectual property laws in the United States of America and by international copyright laws.

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    Banking products and services are provided by Amerant Bank, N.A. Member FDIC. Equal Housing Lender – NMLS ID #432244.
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    Rule 606 Disclosure of Order Routing Practices.

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

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


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