An international customer reviewing the benefits of an Amerant Interest Checking account.

International Interest Checking

Open a U.S.-based account and get a competitive interest rate today.

Open an international checking account to earn interest and pay expenses in U.S. dollars. Based on a tiered1 interest rate, this account includes unlimited transactions like wire transfers and cash withdrawals; online and mobile banking; and fee-free transactions at Amerant and partner ATMs worldwide.
$20 Monthly maintenance fee6,7. Monthly service fee will be waived when you maintain a $5,000 balance6

For additional fees related to these accounts, please refer to our Schedule of Fees2.
$5,0007
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Benefits of International Interest Checking

Flexible Online Banking

Online banking and mobile access to deposit checks, earn tiered1 interest, manage transfers, setup e-notifications, e-statements, Zelle® and more. 

Unlimited Transactions

Wire and deposit checks or cash, Bill Pay, eBill, and send wire transfers at no extra cost.

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.​

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.

The welcoming lobby interior of an Amerant Banking Center.

Open an International Interest Checking Account

Apply in person. It’s that easy.

1
One step

Visit a nearby branch to speak to a banking specialist

Your FAQs About International Checking Accounts

International Interest Checking accounts have monthly compounding and crediting methods.

International Interest Checking accounts include an Amerant debit card.

Yes, you have free access at Amerant Bank, Presto! (Publix), and Allpoint Network locations.

This account earns tiered interest on your balance with some of the most competitive rates in the industry.

We serve the South Florida and Houston areas with a Loan Production office in Tampa, FL. Visit our locations page to find your nearest one.

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

Yes we do! It is already available within the Amerant MobileSM app and the Amerant Online BankingSM platform. Learn how to enroll in 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 (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 additional fees, review our Schedule of Fees.

4 Investment products and services offered through Amerant Investments, Inc.: Not FDIC insured, not bank guaranteed, may lose value, not deposits, not insured by governmental agencies, member FINRA/SIPC, registered investment advisor.

6 Average monthly balance is used to calculate monthly maintenance fee.

7 Politically Exposed Persons (PEP) may be subject to a different fee structure. For Politically Exposed Persons (PEP) a minimum account opening balance of $10,000 is required and must be maintained as your average monthly balance in order to avoid monthly maintenance fees of $25 for International Savings and $50 for International Interest Checking

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:

  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.