^* Subject to credit approval.
Available only to eligible existing international customers of Amerant Bank. Applicants must maintain required account relationships and satisfy applicable credit, collateral, and other eligibility requirements. Applicants must maintain an eligible Amerant deposit or investment account and pledge eligible assets as collateral for the credit card account. Credit limits are subject to approval and applicable collateral requirements. Terms, rates, fees, rewards, benefits, and features may vary by card type and are subject to change without notice. Please review the applicable Credit Card Agreement, Rates and Disclosures, and related account documentation for complete details regarding eligibility, terms, conditions, pricing, fees, and limitations upon completion of the application. Amerant Bank, N.A. reserves the right to approve, decline, or discontinue any application or account in accordance with applicable laws, regulations, and product requirements.

The requirements are the following:

Applicants must be 21 years of age or older and reside outside of the United States.

Applicants must have been an Amerant customer for at least three (3) months.

Applicants must maintain an existing Amerant Checking account.

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.

Personal Checking and Savings Accounts

Please review Amerant’s Personal Banking International Account Grid for more information on each account.

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.