^* Annual Percentage Yield (APY) is accurate as of 12/20/2024. Rates are subject to change without notice. This is a variable rate account; balances from $100 and over receive 4.45% APY. Must open an account by 01/10/2025, to get 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, you must maintain a $50,000 balance per statement cycle.For other applicable fees please refer to the Personal Checking and Savings Accounts brochure and Schedule of Fees.. Customer must be a citizen or resident alien of the United States (U.S.) with a valid U.S. Taxpayer Identification Number.

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 non-cash 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 fees related to this service, review our Schedule of Fees.

³ You may make no more than six preauthorized withdrawals, preauthorized transfers for overdraft protection, automatic or telephone transfers, checks, drafts, and debit card or other similar transactions from your account per statement cycle.

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

IMPORTANT FUNDS AVAILABILITY INFORMATION

Please review Amerant’s Deposit Agreement brochure.

Know Your Customer

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