RATE INCREASE: Earn 5.25% APY* and Maximize Your Savings. Limited Time Only. Open Now

Relationship Interest Checking Account

Higher interest-bearing account with flexibility in mind.

This interest-earning checking account is designed for customers who maintain a higher-than-average balance across multiple Amerant accounts.
$35 monthly fee will be waived with a $50,000 combined monthly average balance in deposit, loan, or Amerant Investment accounts4(excludes time deposit balances) plus monthly direct deposit OR four transactions per statement cycle.5
For additional fees, please refer to our Miscellaneous Service Fees Schedule.2
$100
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Relationship Interest Checking Benefits

Earn Interest

Earn interest on your balance with some of the most competitive rates in the industry. 1

Flexible Banking

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

Mastercard Debit Card

Add Mastercard Debit Card to your digital wallet. Plus, no fee ATM access at all Amerant branches, Presto! (Publix), and Allpoint ATM locations.

Peace of mind

No-fee overdraft up to $100 with CoverMeTM. Plus, link other Amerant accounts with Overdraft Protection.

Fraud protection

Zero liability for unauthorized Debit Card transactions.

Easy to get started

Open an online account with just $100. Transfer your direct deposits and automated payments from your current bank with ClickSwitch®.**

FDIC Insured

All Amerant deposit accounts are FDIC insured up to the maximum of $250,000.

Amerant Protection+

Amerant Bank is now offering ICS, the lntraFi Cash Service. Access millions in FDIC insurance at network banks.

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.

amerant banking center interior

Opening a Relationship Interest Checking Account

Only four steps to get started.

1
Step One

Select if you’re a new or existing customer or continuing an existing application.
2
Step Two

Enter your name, email, address, and phone number.
3
Step Three

Verify your identity with your SSN, date of birth, and employment information.
4
Step Four

Fund your account with at least $100.
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Your FAQs About Relationship Interest Checking Accounts

You can avoid the $35 monthly service fee with a $50,000 combined monthly average balance in deposit, loan, or Amerant Investment accounts4 (excludes time deposit balances) AND monthly direct deposit OR 4 transactions per statement cycle.5

Interest is credited to your account monthly.

Yes. Deposits up to $250,000 are FDIC insured.

* Annual Percentage Yield (APY) is effective as of 08/16/2023. Rates are subject to change without notice. This is a variable rate account; balances from $100 and over receive 5.25% APY. Must open the account by 10/31/2023 to receive the promotional rate. Stated offer is valid only for Domestic Personal Account customers. Fees could reduce earnings. In order to avoid the $150 monthly service fee for the Relationship Money Market Account, a Relationship Interest Checking account must be maintained with a positive balance of at least $1. The Relationship Interest Checking account has its own fees and requirements. Please refer to Personal Checking and Savings Accounts brochure for additional information on benefits and requirements of this particular account. For other applicable fees please refer to the Personal Checking and Savings Accounts brochure and the Miscellaneous Service Fees for Personal, Commercial and Corporate Accounts brochure. Customer must be a citizen or resident alien of the United States (U.S.) with a valid U.S. Taxpayer Identification Number.

** Approved online applicants for domestic checking accounts will receive an email from noreply@amerantbank.com to get started with ClickSWITCH®. The email provides instructions on how to create an account with ClickSWITCH® to transfer over their direct deposits and more. Customers also have the option to disregard the ClickSWITCH® email and not use this service. The option to visit a branch to enroll in ClickSWITCH® is also available.

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 (for example, 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 Miscellaneous Service Fees Schedule.

4 Investment products purchased through Amerant Investment Services are not FDIC insured and are not deposits or other obligations of, or guaranteed by, Amerant Bank or any of its affiliates and are subject to investment risks including possible loss of principal invested. Member FINRA/SIPC, Registered Investment

5 Transactions include: ATM withdrawals, POS debits, wire transfers, ACH, checks and deposits.

Fees may reduce earnings.

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 Schedule

Understanding Your Deposits

IMPORTANT FUNDS AVAILABILITY INFORMATION

Please review Amerant’s Understanding Your Deposit brochure.

Know Your Customer

Managing a successful Know Your Customer (KYC) Program is a requirement of the U.S. banking system. Learn More.