Please see here for our Privacy Policy.
International Personal Checking
Imagine a Secure Bank, with Access to Your Funds.
International Personal Checking Account Benefits
24/7 Banking
View account information, set alerts, and more with online and mobile banking.
Fraud Protection
We’ll cover any unauthorized debit card transactions and monitor your account with custom push notifications and email alerts.
Flexible Banking
Online banking and mobile access to deposit checks, e-notifications, e-statements, Zelle®*** and more.
Mastercard Debit Card
Add Mastercard Debit Card to your digital wallet and pay securely. Plus, no fee ATM access at all Amerant branches, Presto! (Publix), and Allpoint ATM locations.
FDIC Insured
All Amerant deposit accounts are FDIC insured up to the maximum of $250,000. For deposit accounts greater than $250,000, Amerant provides FDIC Insurance via ICS accounts through IntraFi.
Need help deciding which service is best for you?
I AM A
| Value Checking | Interest Checking | Student Checking |
|---|---|---|
|
Unlimited access to your money with no minimum balance required. |
A Checking account with money-saving features. |
No monthly balance requirements for students aged 18-24. $0 Cashier’s Checks, free first-year 3×5 safe deposit box at any location6, and more. |
| Minimum Opening Balance | ||
|
$50 |
$100 |
$100 |
| Earns Interest | ||
|
Checked Tiered 1 |
||
| Average Balance to Waive Service Fees | ||
|
$2,500 per statement cycle |
||
| Monthly Service Fees2 | ||
|
$5 |
$15 |
$5 fee waived with online statement** |
| Other Ways to Avoid Monthly Service Fees | ||
|
Enroll in Online Statements or Monthly Direct Deposit or complete four debit card transactions per statement cycle3 |
||
| Online Banking | ||
|
Checked Includes Bill Pay, e-Bills and e-Notifications |
Checked Includes Bill Pay, e-Bills and e-Notifications |
Checked Includes Bill Pay, e-Bills and e-Notifications |
| Amerant CoverMe | ||
|
Checked No fee for overdrafts up to $100. |
Checked No fee for overdrafts up to $100 |
Checked No fee for overdrafts up to $100. |
| Qualifies for a High-Yield Relationship Money Market Account | ||
Mastercard Debit Card  |
||
|
Checked Possibility to get cash at over 2 million ATMs around the world that display the Mastercard, Maestro®, or Cirrus® acceptance marks |
Checked Possibility to get cash at over 2 million ATMs around the world that display the Mastercard, Maestro®, or Cirrus® acceptance marks |
Checked Possibility to get cash at over 2 million ATMs around the world that display the Mastercard, Maestro®, or Cirrus® acceptance marks |
|
Switch your checking account from another bank easily at one of our branches using ClickSWITCH |
||
|
Checked Approved Online Checking Account Applicants can start using ClickSWITCH right away* |
Checked Approved Online Checking Account Applicants can start using ClickSWITCH right away* |
Checked Approved Online Checking Account Applicants can start using ClickSWITCH right away* |
|
Apply Over the Phone |
Apply Over the Phone |
Apply in Branch |
Apply in Branch |
| Value Plus Checking (Intl) | International Premier Checking | Value Checking (Intl) | Interest Checking (Intl) |
|---|---|---|---|
|
An account with easy access to your money and an unlimited number of transactions. Apply over the phone with a Relationship Manager. |
Interest-bearing checking with favorable interest rates, easy access to your money, and an unlimited number of transactions. Apply over the phone with a Relationship Manager. |
U.S. dollar-based account with a low minimum balance requirement and unlimited transactions. Apply in person at a local banking center. |
Account to earn interest and pay various expenses in U.S. dollars. Apply in person at a local banking center. |
| Open An Account Over the Phone | |||
|
Checked |
Checked |
||
| Minimum Opening Balance | |||
|
$25,000 |
$25,000 |
$5,000 |
$5,000 |
| Earns Interest | |||
|
N/A |
Checked Tiered1 |
N/A |
Checked Tiered1 |
| Balance to Waive Maintenance Fees | |||
|
$25,0007 |
$25,0007 |
$5,0007 |
$5,0007 |
| Monthly Service Fees2 | |||
|
$50 monthly8 |
$50 monthly8 |
$20 monthly; $0.25 per check or debit transaction |
$20 monthly; $0.30 per check or debit transaction |
| Other Ways to Avoid Monthly Service Fees | |||
|
$50,000 combined monthly average balance in deposit or Amerant Investment accounts4 |
$50,000 combined monthly average balance in deposit or Amerant Investment accounts4 |
$15,000 combined monthly average balance in deposit or Amerant Investment accounts4 |
$15,000 combined monthly average balance in deposit or Amerant Investment accounts4 |
| Online Banking | |||
|
Checked Includes e-Notifications |
Checked Includes e-Notifications |
Checked Includes e-Notifications |
Checked Includes e-Notifications |
| Mastercard Debit Card |
|||
|
Checked Possibility to get cash at over 2 million ATMs around the world that display the Mastercard, Maestro®, or Cirrus® acceptance marks |
Checked Possibility to get cash at over 2 million ATMs around the world that display the Mastercard, Maestro®, or Cirrus® acceptance marks |
Checked Possibility to get cash at over 2 million ATMs around the world that display the Mastercard, Maestro®, or Cirrus® acceptance marks |
Checked Possibility to get cash at over 2 million ATMs around the world that display the Mastercard, Maestro®, or Cirrus® acceptance marks |
|
Apply Over the Phone |
Apply Over the Phone |
Apply in Branch |
Apply in Branch |
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.
Bank with Confidence and Peace of Mind
ACCOUNT PROTECTION
We’ve Got You Covered
Let us know before you travel, and we add an extra layer security to monitor your account.
Learn More
DIGITAL SECURITY
Easy-to-Use Tools and Alerts
Our online and mobile banking offer tools to keep your money safe including secure log-in, travel alerts, notifications for suspicious activity, and the ability to lock your debit card if it’s lost or stolen.
Learn More* 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.
** All student Checking account holders will automatically be enrolled in Online statements during account opening. The account holder may Opt-out of online statements through online banking and be assessed a $5 monthly maintenance fee.
*** Must have a bank account in the U.S. to use Zelle®.
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 Schedule of Fees.
3 Does not include ATM withdrawals.
4 Investment products purchased through Amerant Investments 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 Adviser.
5 Transactions include: ATM withdrawals, POS debits, wire transfers, ACH, checks and deposits.
6 Subject to availability or an equivalent discount on a larger Safe Deposit Box
7 Average Monthly Balance is used to calculate Monthly Maintenance Fee.
8 These charges will be applied when the account’s monthly average balance is less than the monthly average balance required.
10 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.
11 Must have a bank account in the U.S. to use Zelle®.
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.
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.