Credit Insights | Amerant Bank

Credit Insights

Understand your credit, track your progress, and unlock smarter financial choices.

Credit Insights gives you a clear, real-time view of your credit health. You can track your credit score, explore personalized offers, and get instant alerts – all in one place within Online Banking and Amerant MobileSM Banking.*

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Why Credit Insights Matters

Confidence in Your Credit

Always know where you stand with daily updates** and clear visibility into your score and report.

Smarter Financial Decisions

Use personalized insights and offers to choose the financial products that fit your goals best.

Achieve Your Goals

Set targets for your credit score and track your progress with easy-to-understand tools.

Explore All the Possibilities with Your Credit Insights

Credit Score & Reports1

Have the convenience of viewing your credit score, debt-to-income ratio (DTI), and full report all in one place. Access reports on your accounts, payment history, utilization, and more.

Score Simulator

Test scenarios and set goals to track progress. Plan for major financial goals with the help of a credit simulator.

Personalized Alerts

Receive real-time notifications on score changes and credit activity, with insights to help you take action.

Questions You May Have About Credit Insights. Answered.

No. Credit Insights is entirely free, and no credit card information is required to register.

Credit Insights has implemented bank-level encryption and security policies to keep customers data safe and secure. Credit Insights also has a sophisticated system that scans for, and thwarts online bots, intrusions, and attacks.

No. Checking Credit Insights’ Credit Score is always a “soft inquiry,” which does not affect credit scores.  Typically, ‘Hard inquiries’ are used by lenders to make decisions about their creditworthiness when customers apply for loans. Multiple hard inquiries can lower a credit score. Credit Insights uses Vantage Score 3.0 from TransUnion.

* Applies only to personal domestic accounts.

** This is a soft pull and will not affect your credit score.

1 When you access your credit score and report through the Amerant Bank website or mobile app, the service is powered by SavvyMoney Inc., a trusted partner selected by Amerant Bank to provide this feature. The credit score provided is for your personal financial awareness and is not used by Amerant Bank in its lending decisions. By using this feature, you are subject to SavvyMoney’s Enrollment Disclosure and Terms of Use.

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.

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