International Savings Account

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

¹ At our discretion, we may change the interest rate and the annual percentage yield on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (E.g., checks). If you close your account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day.

² For additional fees, please refer to our Schedule of Fees.

³ Average monthly balance is used to calculate monthly maintenance fee.

⁴ Investment products and services offered through Amerant Investments, Inc.: Not FDIC insured | Not bank guaranteed | May lose value | Not deposits | Not insured by governmental agencies | Member FINRA/SIPC, Registered Investment Advisor.

⁵ These charges will be applied when the account’s monthly average balance is less than the monthly average balance required.

⁶ Politically Exposed Persons (PEP) may be subject to a different fee structure. For Politically Exposed Persons (PEP) a minimum account opening balance of $10,000 is required and must be maintained as your average monthly balance in order to avoid monthly maintenance fees of $25 for International Savings and $50 for International Interest Checking.

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 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.

Funds Availability Policy

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