Business Checking Accounts

^* Must have a bank account in the U.S. to use Zelle®. Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

^** Available ATMs include Amerant Bank branch locations, Publix Presto! store locations and the Allpoint Network at participating retail locations. SURCHARGE-FREE transactions include cash withdrawals and balance inquiries. To find the closest ATM or Branch location visit us online at amerantbank.com or allpointnetwork.com.

¹ More than the displayed total will be charged at our standard rate as shown in our Schedule of Fees.

² The interest rate paid on accounts is established at the sole discretion of Amerant Bank and may change at any time. Fees could reduce earnings on account.

³ Charges from your mobile data plan provider and charges associated with performing a banking transaction may apply.

⁴ If account is closed before interest is credited, you will not receive the accrued interest.

⁵ For information on overdraft fees and overdraft related interest charges refer to our Schedule of Fees.

⁶ For information on payment clearance policy refer to the Deposit Agreement disclosure section Checks/Negotiable Orders of Withdrawals.

⁷ Must meet criteria for this service. Please contact a banking specialist to learn more.

⁸ Must have TreasuryConnect to utilize this service. If you are interested in enrolling in this service, contact Treasury Management for more information.

⁹ Additional Fees that may be charged when average statement balance is not met includes: Incoming domestic/international wire transfers, Outgoing wire transfers, Stop Payment, ACH origination, Remote Deposit Capture and Number of Transactions.

¹⁰ Fees will be assessed and charged at the end of each statement cycle if the the minimum average collected balance requirements of the account are not met.

¹¹ For additional fees related to these accounts, please refer to our Schedule of Fees.

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. Customers who request wire transfers through an Account Officer, should download the new wire transfer “Wire Transfer Form” 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 Schedule of Fees.

Deposit Agreement

Please review Amerant’s Deposit Agreement.

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.

Funds Availability Policy

For details on when your deposited funds will be available, view our Funds Availability Policy here.

ABA Routing Number: 67010509

SWIFT Code: MNBMUS33