Value Checking Account | Amerant Bank
A customer checks their bank checking account on a mobile tablet.

Value Checking Account

Everyday convenience with no-fee overdraft up to $100 with Amerant CoverMeTM

Open a Value Checking account with just $50. Get access to online and mobile banking, Bill Pay, eBill, e-notifications, e-statements, Zelle® and more.
$5 monthly fee. Monthly fee will be waived when you complete four debit card transactions per statement cycle3 or enroll in online statements or monthly direct deposit. For additional fees, please refer to our Schedule of Fees 2.
$50
We can help you move direct deposits, automatic payment, bills, and other utilities without the hassle.LEARN MORE
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Amerant Value Checking Benefits

Flexible Banking

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

Peace of mind

No-fee overdraft up to $100 with CoverMeTM.

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.

Fraud protection

Zero liability for unauthorized Debit Card transactions. Easily secure your debit card with the Card Controls feature on the Mobile App: Turn your card on or off, set transaction limits, location controls, alerts, and more.

Easy to get started

Open an online account with just $50. Transfer your direct deposits and automated payments from your current bank with ClickSwitch®.*

eStatements

Waive the $5 monthly fee by enrolling in eStatements.

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.

Receive Payments Fast

Receive payments faster than ever directly through the FedNOW® 2, and RTP® services. 2

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.

The welcoming lobby interior of an Amerant Banking Center.

Opening a Value 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 $50.
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Your FAQs About Checking Accounts. Answered.

The $5 monthly fee can be avoided if you complete four debit card transactions per statement cycle3 or enroll in online statements or monthly direct deposit.

Value Checking Accounts provide all the features of Amerant Online Banking at no additional cost. Enjoy making direct deposits, transactions, using features and depositing checks all from your smartphone!

You can open your account online or visit a nearby banking center to open an account.

We serve the South Florida area and Tampa, FL. area. Visit our locations page to find your nearest banking center.

Yes, we do! It is already available within the Amerant MobileSM app and the Amerant Online BankingSM platform. Learn how to enroll in Zelle®.

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

* 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.

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

3 Does not include ATM withdrawals.

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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