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Interest Checking Account

Higher earnings with money-saving features.

Earn and save with this interest-bearing checking account. Ideal for customers with higher balances, this account offers tiered earning at competitive interest rates.
$15 monthly fee. Monthly fee will be waived when you maintain a $2,500 balance per statement cycle. For additional fees, please refer to our Schedule of Fees.2
$100
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Interest Checking Account Benefits

Earn Interest

Earn interest on your balance with some of the most competitive rates in the industry.1

Flexible Banking

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

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.

Peace of mind

No-fee overdraft up to $100 with CoverMeTM.

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 $100. Transfer your direct deposits and automated payments from your current bank with ClickSwitch®.*

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.

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.

Open an Interest 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 $100.
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Your FAQs About Interest Checking Accounts

If there are insufficient funds available in your account, incoming transactions will be declined and charged a fee up to five times in one day. For information on overdraft fees and overdraft-related interest charges, refer to our Schedule of Fees.

An Interest Checking account pays monthly interest on the balance of the account.

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.

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.

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.

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