Amerant Investments | Meet Our Leaders

Ian Dubugras

First Vice President, Equity Strategy

Phone: (305) 441-8418

Email: idubugras@amerantinvestments.com

Licenses/Certifications: Series 66 & Series 7

Experience

Ian serves as the Equity Strategist and Head of Alternative Investments. With 22 years of experience in the financial industry and 3 years with Amerant Investments, he brings deep expertise in market strategy, portfolio construction, and alternative investment solutions.

Help Center

Zelle^®

Getting Started with Zelle^®

Why is it necessary to validate my phone or email?	A valid phone or email is required for each user to enable sending or receiving money.
Are there any fees to send money with Zelle^®?	No, Amerant Bank does not charge any fees to use Zelle^® in the Amerant Online Banking^SM or the Amerant Mobile^SM app. Your mobile carrier’s messaging and data rates may apply.
How do I use Zelle^®?	You can send, request, or receive money with Zelle^®. To get started: Log into Amerant Online Banking^SM or Amerant Mobile^SM app. Select Zelle^® from the Move Money menu option. Accept the terms and conditions, and select Get Started. Select or enter your email address or mobile phone number. You may be required to verify your information via a one-time verification code, enter it, and you’re ready to start sending and receiving with Zelle^®. To send money using Zelle^®: Simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or mobile number). Add the amount you’d like to send and an optional note. Review and hit “Send”. The recipient will receive an email or text message notification via the method they used to enroll with Zelle^®. Money is available to your recipient in minutes if they are already enrolled with Zelle^®. To request money using Zelle^®: Choose “Request.” Select the individual(s) from whom you’d like to request money. Enter the amount you’d like to request. Include an optional note, review, and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle^®, you must use their email address to request money. If the person has enrolled their mobile number, then you can send the request using their mobile number. To receive money, just share your enrolled email address or mobile number with a friend and ask them to send you money with Zelle^®. If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your Amerant Bank account, typically within minutes. If someone sent you money with Zelle^® and you have not yet enrolled with Zelle^®, follow these steps: Click on the link provided in the payment notification you received via email or text message. Select Amerant Bank. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or mobile number where you received the payment notification – you should enroll with Zelle^® using that email address or mobile number to ensure you receive your money.
How do I use a Zelle^® QR code?	Zelle^® QR code provides peace of mind knowing you can send and receive money to the right person, without typing an email address or mobile number. To locate your Zelle^® QR code, log into the Amerant Mobile^SM app, click “Zelle^®“. Next, click “Zelle^® QR code” and your QR code will be displayed under “My Code”. From here you can view your QR code and use the print or share icons to text, email or print your Zelle^® QR code. To receive money, share your Zelle^® QR code. To send money, log into the Amerant Mobile^SM app, click “Zelle^®”, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle^® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.

Payments & Transfers

Someone sent me money with Zelle^®. How do I access it?	If you’re already enrolled with Zelle^®, the money will move directly into your bank account, typically within minutes. If you’re not yet enrolled with Zelle^®: Click on the link provided in the payment notification you received via email or text message. Select Amerant. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or mobile number where you received the payment notification. You should enroll with Zelle^® using that email address or mobile number to ensure you receive your money.
How can I change the account I receive/send money from?	To update the account you use to send and receive money with Zelle^®, go to: On Mobile: Zelle^® > Settings > Funding Account In Online Banking: Move Money > Zelle^® > Settings > Funding Account
What if I want to send money to someone whose bank doesn’t have Zelle^®?	As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle^® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle^® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.
Are there any limits for sending and receiving money with Zelle^®?	The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Amerant Bank’s send limits, call our customer service at 1-866-806-8125. At Amerant Bank, there are no limits to the amount of money you can receive with Zelle^®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.
How does the Split feature work?	Split can be used to request reimbursement from multiple contacts if you take care of a bill. Simply choose Split from the task menu and enter one or more contacts. Add an amount and the app will calculate an even split. Adjust the amount per contact if needed and then send the request. You can track progress in the pending activity list until each contact has responded to the request.
Can I cancel a payment or a request?	Only outstanding requests can be canceled. To cancel a request, go to the pending activity list and tap Cancel.

Managing Contacts

How can I delete or modify a payee in Zelle^®?

To delete or modify a payee on your mobile device:
Go to Zelle^® > Send > Edit icon on payee > Change or Delete

To delete or modify a payee through Online Banking:
Go to Move Money > Zelle^® > Edit icon on payee> Modify Contact Info > Change or Delete

How do I update incoming Zelle^® numbers/emails?

To update incoming Zelle^® numbers/emails through Mobile Banking:
Select Zelle^® > Settings > Incoming Activity > Enter a new mobile number and/or email address. A new mobile number or email must be entered before deleting the previous one

To update incoming Zelle^® numbers/emails through Online Banking:
Select Move Money > Zelle^® > Settings > Incoming Activity > Enter a new mobile number and/or email address. A new mobile number or email must be entered before deleting the previous one.

Troubleshooting Issues

Why am I not receiving my Zelle^® notifications?

To review where your Zelle^® notifications are being sent. Go to:

On Mobile:
Zelle^® > Settings > Funding Account

In Online Banking:
Zelle^® > Settings > Zelle^® Notifications

I’m getting an error message when trying to set up Zelle^® with my mobile number or email. Why?

Your email address or mobile number may already be enrolled with Zelle^® at another bank or credit union. Call our customer support team and ask them to move your email address or mobile number to Amerant so you can use it for Zelle^®.

Once customer support moves your email address or mobile number, it will be connected to your Amerant account so you can start sending and receiving money with Zelle^® through the Amerant mobile banking app and online banking. For help, call Amerant customer support toll-free at 1-866-806-8125.

I didn’t get a verification code when I enrolled. What should I do?

If you were expecting to receive a verification code via email, make sure that the email address you have registered or entered is correct. Also, check your spam folder and make sure you’re not blocking emails from questions@amerantbank.com.

If you were expecting to receive a verification code via text and didn’t, make sure that the phone number you have enrolled or entered is a mobile number. International phone numbers, Voice Over IP (VOIP), landlines, and Google Voice numbers are not eligible for Zelle^® enrollment.

If you are still experiencing issues enrolling, please call Amerant customer support toll-free at 1-866-806-8125.

Managing Account Activity

How up to date is my account information?	Your account’s available balance is based on real time transactions completed throughout the day. This could also include cash deposits or withdrawals at a branch, ATM withdrawals, card purchases, and transfers.
What is the difference between an account’s available balance and current balance?	An account’s available balance shows the amount of funds immediately available to you. The available balance for a deposit account, such as a checking account, reflects the portion of the current balance available for use. For a loan account, such as a credit card account, the available balance indicates your credit line or how much you can currently spend. An account’s current balance is the total amount of funds including pending transactions, holds, and so on. The current balance for a loan account, such as a credit card account, reflects how much is owed.
How do I find a specific transaction within Online Banking?	To find a specific transaction within Online Banking, click on Search from account details page. Filter by time period (only up to 90 days as of today can be displayed), type, and transaction.

Transfers & Payments

Funds Transfer

Why can’t I cancel a transfer?

Only transfers that are in a scheduled status can be canceled. If you do not see the option to cancel your transfer, the transaction is either in processing, pending or has posted.

Wire Transfers

How can I create a wire transfer template?

To create a wire transfer template in Online Banking, click on:
Move Money > Manage Templates > Create Template
Templates can be created for both domestic and international transfers.

To create a wire transfer template in Mobile Banking, click on:
Plus (+) > Personal Wire > Manage Templates

How can I send a wire transfer?

To initiate in Mobile Banking, click on:
Plus (+) > Personal Wire > Make a Transfer

Bill Pay

Why don’t I see all my accounts when selecting my ‘Pay From’ account?	Bill Pay is available for checking, savings, and money market accounts only. If you’re using a different type of account, it won’t be eligible for Bill Pay.
Can I cancel a payment?	Only scheduled payments can be canceled. If the payment has been processed or sent to the payee, it cannot be canceled.
How will my bill payment be sent?	Bill payments are sent electronically or by check through the mail to your payee. The delivery method is based on what your payee supports.
How do I add a Bill Pay payee in Online Banking?	To add a Bill Pay payee in Online Banking: Click Move Money > Bill Pay > Pay someone new
How do I edit a Bill Pay Payee in Online Banking?	To edit a Bill Pay Payee in Online Banking: Click Move Money > Bill Pay > Click on the Payee > Select an option (Modify, Delete or Hide)
How do I delete a Bill Pay Payee in Online Banking?	To delete a Bill Pay Payee in Online Banking: Click Move Money > Bill Pay > Click on the Payee > Select an option (Modify, Delete or Hide)

Statements & Account Information

How can I enroll in eStatements?	To enroll in eStatements from Online Banking, click on: Accounts > Documents > Delivery Settings Note: Settings for statements and tax notices are managed separately.
How can I view my statements online?	To view your online statements using via Online Banking, simply click on: Accounts > Documents > Statements > Select account and year
How do I check the interest rate and maturity date of my CD?	To check your CD interest rate and maturity date, in Online Banking, go to the top left of the screen and click on: Account tab > Click Show Account Summary under the account name
How can I view my loan information?	To check your loan information in Online Banking, go to the top left of the screen and click on: Account tab > Click Show Account Summary under the account name
How do I make a loan payment through Online Banking?	To make a loan payment in Online Banking, click on: Move Money > Loans > Make a Payment

Personal Finance Tool

How do I enroll in the Personal Finance Tool?	This tool is already included in your account but you must agree to the “Terms & Conditions.”
How do I launch the Amerant Personal Finance Tool from my Mobile Banking app?	After enrolling in Personal Finance through Online Banking, you can launch the tool in Mobile Banking by signing in and selecting it from the More menu, or by clicking the link on your Accounts Dashboard.

¹ To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.

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 Mobile^SM Banking.^*

Not a current customer? Sign Up.

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:

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.
Explanation of US Mailing Address. Please follow the link to the Form.
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.

Mortgage Loans

Elevating Your Dreams with Loans from Amerant Bank Mortgage

View All Loans

Types of Loans

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Conforming Loans

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Fixed-Rate Loans

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Jumbo Loans

Know the Difference

Conforming Loans

WHAT ARE THEY

Whether you’re embarking on the exciting journey of your first home or you’re a seasoned homeowner looking to make the next move, our conforming loans are here for you. These conventional loans, reaching up to $766,550 (and even higher in select high-cost areas), cater to your unique homeownership goals. Let us pave the way for your dreams with flexible and welcoming financing options.

TAILORED TO YOUR HOME ASPIRATIONS

Fit for Your Ambitions: Conforming loans cater to your vision, aligning perfectly with your aspirations for a home that mirrors your lifestyle and dreams.

Local Expertise, Global Perspective: Amerant Mortgage combines local knowledge with a broad perspective, ensuring you receive expert guidance infused with a down-to-earth understanding of your unique needs.

A Partner for Your Journey: Our team at Amerant Mortgage is more than just your lender. We stand by you, ensuring a smooth process and a comforting journey towards homeownership.

Fixed-Rate Loans

DISCOVER PEACE OF MIND WITH FIXED-RATE LOANS

Predictability and Peace of Mind: Experience financial harmony with our fixed-rate loans. Your monthly principal and interest payments stay constant, offering predictability that allows you to plan your finances effortlessly, empowering you to embrace life’s adventures with confidence.

Transparent and Knowledgeable Guidance: At Amerant Mortgage, our dedicated team of experts is committed to being your trusted partners. We provide transparent and knowledgeable guidance, ensuring you are equipped with all the information needed to make informed decisions about your home financing.

Tailored Solutions Just for You: Recognizing that every journey is unique, we collaborate closely with you to craft a fixed-rate loan tailored to your specific needs and stays constant for you. This not only ensures stability but also secures a bright future, setting you on a path of financial security and personalized success.

Jumbo Loans

UNVEILING BOUNDLESS HOME POSSIBILITIES

Bridging Dreams to Reality: Amerant Mortgage understands that dreams come in all sizes. Our jumbo loans bridge the gap between your aspirations and the possibilities, making larger-than-life homes attainable.

A Personalized Approach: We believe in the power of tailored solutions. Our team works closely with you to create a jumbo loan that aligns with your unique goals, ensuring your path forward is both attainable and empowering.

Knowledgeable Guidance, Comforting Support: The journey towards a grander home can be complex, but we’ve got your back. At Amerant Mortgage, we offer expert guidance with a down-to-earth touch, ensuring you understand every step of the way.

Ready to Start Your Journey?

Contact a loan officer today to find a solution to suit your needs.

Find a Loan Officer

Get everything you deserve with Amerant Bank Mortgage

Manage Your Mortgage

Start down the road to homeownership

Get everything you deserve with Amerant Mortgage: a customer-centric approach strengthened by Amerant Bank’s 40 years of integrity and banking excellence.

Discover a mortgage experience tailored just for you! Say goodbye to one-size-fits-all solutions. Our flexible financing options are designed to suit your unique needs. Embrace the ease of advanced technology, giving you the confidence to secure what you need right from the comfort of your living room.

Learn More

What’s Your Goal?

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Find the Right Loan

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First-Time Homebuyers

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Mortgage Calculators

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Refinance

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Find a Loan Officer

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Of Interest Blog

Mortgage Insights from the Experts

What Our Clients Have to Say

“

The mortgage team were awesome assisting with the purchase of our home. We moved from out of state so we did everything virtually or over the phone. The team worked diligently to ensure we had everything that we needed in order to close on time.

“

Karen and the team at Amerant Mortgage made the process very simple and stress free. I couldn’t be happier.

“

Very professional, proactive, excellent communication.

“

All questions were answered in a timely manner plus if there was something that wasn’t understood the question (s) were explained to using a way that we were able to understand. I’ll be happy to recommend your company to anyone I (Kelinda) talk about your company at work all the time to customers.

The Official Tampa Bay Rays Debit Card

Bank like the Rays, every day, when you open a Checking Account.
Receive benefits including special offers from the Tampa Bay Rays, digital wallet, no fee-overdraft protection with CoverMe^TM, and more.

Visit us at a nearby banking center.

Get a Card

Advantages of Your Rays Debit Card

The benefits and features of our debit cards are designed to meet your personal needs today and tomorrow.

Apply in Minutes

Open your account online (doesn’t apply to International Value Checking and International Interest Checking accounts).

ClickSWITCH^®

Switch over your direct deposits and automatic payments from another bank in minutes.^** with ClickSWITCH®

Fraud Protection

We’ll cover any unauthorized debit card transactions.

Pay Someone—Fast

Send and receive money quickly and securely with Zelle^®

No-Fee Overdraft Protection with CoverMe^TM

No-fee overdraft up to $100 with CoverMe^TM.

Digital Wallet

Store your Amerant cards and make purchases conveniently with your smartphone or smartwatch.

Get an Amerant Bank Tampa Bay Rays Debit NOW!

Contact us: 1(855)-263-7268
Visiting a nearby banking center

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 Mobile^SM

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.

Off the Field: Tampa Bay Rays Partnership with Amerant Bank

Amerant Bank is the “Official Bank” of the Tampa Bay Rays. This designation goes beyond mere branding. It signifies a deep-rooted relationship between the two organizations, with Amerant poised to play a significant role in the Rays’ financial operations.

tampa bay rays branded baseballs are displayed in a net

Get an Amerant Bank Tampa Bay Rays Debit Card

Here’s how you can get your personalized Amerant Bank Rays debit card:

Current Customers

Call us at 1(855)263-7268 to order your card.

New Customers

Or, visit us at a nearby banking center.

^** 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 By entering your information, you are agreeing to receive notifications from Amerant Bank via email and phone regarding availability of this card and other offers.