Help Center

FAQ How to videos Articles Debit Card Welcome Center Find a branch

Routing Number

067015779

SWIFT Code

BBUBUS33XXX

Zelle®

Zelle® Send Limits by account

Personal accounts:

$3,500 per day
$15,000 per month

Business accounts:
$5,000 per day
$25,000 per month

Contact Us

Get assistance from our Client Care Center specialists:

U.S. Toll-Free: 888-228-1597
From Venezuela: 0-800-1-228226
From the U.S. or other locations: 786-552-0524

Email us at:
customerservice@banescousa.com

How can we help you?

FAQs

What is my routing number/ABA?

The Banesco USA routing number is 067015779.

What is the Banesco USA SWIFT Number?

The Banesco USA SWIFT Number is BBUBUS33XXX.

How do I find my account number?

Find your account number by signing into Online Banking or the Mobile app, choose your account > Details & Settings.

You can also find your account number on a paper check by looking at the last 12 digits printed at the bottom of the check.

How do I reorder checks?

Reorder checks by signing into Online Banking or the Mobile app, choose Services > Check Reorder. Or, contact a Client Care Specialist Monday to Friday from 8:00 a.m. to 6:00 p.m. ET. Within the USA: 1-888-228-1597 From Venezuela: 0-800-122-8226 customerservice@banescousa.com What are account maintenance fees? Account maintenance fee is charged for utilizing your account if certain requirements aren’t met. All fees and costs can be found in the “Fees” section at the bottom of our webpage.

FAQs

What happens when my CD matures?

Your CD will automatically renew for the same term and with the same interest payment option at the then-current interest rate. There is a 10-day grace period following the date of maturity during which you can close your CD, withdraw funds or renew the CD for a different term and add additional funds, without penalty. Call our Customer Care Center, talk with your relationship manager or visit a branch for personal assistance.

How much interest will I earn on my CD?

The interest you will earn on your CD is determined by the Annual Percentage Yield (APY) and CD term you select when you open the account. Use our calculator to estimate your earnings.

Can I add money to my CD?

Once your CD is opened, you are unable to add additional funds. However, you have the option to open another CD. Is there a penalty fee if I close my CD before its maturity date? Certificate of Deposits are subject to an early withdrawal penalty:

For term <30 days, penalty is 7 days of interest.
For term >31 days to <or= 355 days, penalty is 90 days of interest.
For term >366 days to <or= 541 days, penalty is 180 days of interest.
For term >542 days to <720 days, penalty is 270 days of interest.
For term >721 days to >1094 days, penalty is 365 days of interest.
For term >1095 days, penalty is 540 days of interest

FAQs

How is a debit card different from a credit card?

When you pay for purchases using your debit card, the amount of the purchase is automatically deducted from your checking or savings account. When you pay for purchases using a credit card, you receive a bill.

Why should I use a debit card for my purchases?

In addition to providing a convenient way to pay for purchases online, in app and in person, using your debit card offers these benefits:

Purchases are automatically deducted from your account so you won’t receive an unexpected bill
Use the card to transfer funds between your Banesco USA accounts to cover expenses
Get cash when traveling at thousands of ATMs around the world

Is there a limit on how much I can withdraw at an ATM?

Yes, personal and business accounts have a daily withdrawal limit of $500. If you are a Banesco Select client, the daily withdrawal limits are higher. View details. Can I withdraw money from a non-Banesco USA ATM? Yes, you can withdraw money from a non-Banesco USA ATM but there is a charge of $2.00.

Is there a purchase amount limit on my debit card?

Yes, personal and business accounts have a daily purchase limit of $1,000. If you are a Banesco Select client, the daily purchase limits are higher. View details.

Where can I use my debit card?

You can use your debit card to pay for purchases anywhere in the world where Visa is accepted, including online, in-person, and through various apps. You can use your debit card at Banesco USA, Allpoint®, Money Pass® and Visa global network ATMs. You can check your account balance and withdraw funds at all these ATMs. Additionally, you can transfer funds between your accounts, and deposit cash and checks at Banesco USA ATMs. What is the international transaction fee? For international transactions there is a fee of 3% of the amount of the transaction.

Can I use my debit card on Apple Pay and Google Pay?

You can use your personal debit card with Apple Pay and Google Pay if the vendor accepts these payment methods for purchases.

How do I upload my personal debit card to digital wallet?

On an iPhone or Apple Watch, open the Wallet app. Tap the + symbol at the top of the screen, tap Debit or Credit Card. On an Android device, open the Wallet app. Tap Payment Card > New card or debit card.

What is Card Controls?

Card Controls is a feature that you can use with your Banesco USA Debit Card that is linked to a personal account. It allows you to personalize the use of your card by giving you the ability to turn your card on or off, set spending limits, receive transaction alerts and configure other preferences that determine how and where your card can be used.

How do I know if my account information is secure when paying for online purchases with my debit card?

Visa Secure provides an extra layer of protection for online purchases. When you check out at an online store displaying the Visa Secure logo, you may be asked to enter a verification code to authenticate your identity and confirm your transaction.

Am I responsible for purchases if my debit card is lost or stolen?

Your Visa Debit Card includes Zero Liability Protection for unauthorized transactions if your card is lost or stolen. If your card is linked to a personal account, deactivate your card and request a replacement by signing in to online or mobile banking and choosing Services > Card Controls > Card Controls Options > Report lost or stolen. If your card is linked to a business account, contact our Client Care Center immediately to deactivate your card and request a replacement.

FAQs

What is Zelle®?

Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.1 With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.2

Who can I send money to with Zelle®?

You can send money to friends, family and others you trust.² Since money is sent directly from your bank account to another person’s bank account within minutes,1 it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.

How do I get started?

It’s easy — Zelle® is already available within Banesco USA’s mobile banking app and online banking (BanescoMobile and BanescOnline) within the Transfer & Pay Menu! Check our app or sign-in online and follow a few simple steps to enroll with Zelle® today.

What are my Zelle® send limits?

You can send up to $3,500 per day or $15,000 per month from your personal account. With Zelle® for Small Business, you can send up to $5,000 per day or $25,000 per month from your business account.

How can I learn more about Zelle®?

You can learn more about Zelle® and find answers to your questions by visiting this page.

U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.
Transaction typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

FAQs

How do I enroll in Online Banking?

Go to the Sign in button at the top of this page and you will be guided through the Online Banking enrollment process.

What will I need to enroll in Online Banking?

Personal Accounts: Account number, first and last name on the account, tax ID (SSN, RIF, Cedula or Passport) and date of birth of the account holder. Business Accounts: Account number, business name and business EIN/TIN, plus the authorized user’s first and last name, tax ID (SSN, RIF, Cedula, Passport) and date of birth.

What type of bank account do I need to use Online Banking?

Online Banking is available for all personal and business checking, savings, Money Market, CD or loan with Banesco USA.

What should I do if I forget my Online Banking password?

Go to the sign in button at the top of this page and follow the link to the Forgot Password option.

How can I change the language in my Online Banking profile?

Sign into Online Banking or the Mobile app > Settings > Languages & Themes

What is a digital token?

The VIP Access digital token is an additional layer of security to authorize online or mobile banking transactions in your account. First, download the VIP Access app to your mobile device. Next, link the Digital Token Credential ID provided by the app to your online banking account by submitting a request via secure message in online banking, calling our Client Care Center or contacting your banker. Then, when you schedule bill pay, ACH, wires and Zelle® transactions, sign into the app to obtain a one-time passcode that must be entered in online or mobile banking within 30 seconds to authorize the transaction.

Do I have to use a VIP Access digital token?

We recommend all account holders use the digital token for the security of your account. The digital token is required to authorize online and mobile transactions in international personal and business accounts.

Is there a charge to use Online Banking?

There is no charge to use Online Banking.

What banking transactions can I do with Online Banking?

Most of your routine banking can be handled online, including transferring funds, making payments, issuing wire transfers and more. See all you can do.

Can I add an authorized user to my business Online Banking Profile?

You have the flexibility to add users to your online business account. You can define their roles, set up permissions and establish transaction limits for each authorized user.

How do I change from physical bank statements to paperless bank statements?

To change the delivery method of your bank statement click on services > click on statement delivery > Two step PDF verification step -> Step 1. Get Code -> Step 2. Enter Code > Select electronic statements where it says paper statement > Read and Accept the Electronic Statements Terms and Conditions > Submit.

FAQs

How do I get started with Mobile Banking?

To set up Mobile Banking, you must first be enrolled in Online Banking. Then, visit the app store to download the app on to your mobile device.

What will I need to enroll in Mobile Banking?

After you have downloaded the app on to your mobile device, use your Online Banking username and password to setup mobile banking on your smart phone, tablet or other mobile device.

Is there a charge to use Mobile Banking?

Banesco USA does not charge a fee to download or use the app. Your wireless carrier may charge you for data use and other fees. Contact your wireless carrier for details.

Is Mobile Banking secure?

Mobile Banking uses encryption technologies and authentication methods to validate your identity and protect your information and transactions. Using the Face ID and fingerprint features add more security to your experience.

FAQs

How does mobile check deposit work?

Mobile check deposit transmits an image of your check to the bank for deposit. To make a mobile deposit, open the app, tap Deposit Check and you will be guided through the steps.

When can I access funds made with mobile deposit?

The availability of funds deposited using mobile check deposit is the same as depositing a check with a Banesco USA teller:

Cashier’s, certified, teller or government checks, checks on a Banesco USA account and the first $225 of a day’s deposits of other checks: Funds are available the first business day after the day of deposit
All other checks: Funds are available the second business day after the day of deposit.

FAQs

What bills can I pay online?

You can issue a payment to any person or business with a U.S. bank account. If the recipient, such as a utility company, accepts electronic payments, the funds will be sent electronically. If not, Banesco USA will issue and mail a paper check to the recipient.

Can I schedule payments in advance?

Yes, payments can be scheduled in advance. This is a convenience that helps you avoid forgetting to pay a bill or paying it late.

Can I set up bills to be paid every month?

With Online Bill Pay, you can set up recurring payments for fixed amounts, on any schedule such as monthly, quarterly, or as often as needed.

Is there a fee to use Online Bill Pay?

There is no fee to use Online Bill Pay, unless you request an expedited payment.

FAQs

How can I register to send a wire transfer in Online Banking or the Mobile app?

Log into Online or Mobile Banking > Services > Client Services > Activate Wire Transfer. A wire specialist will contact you within two bank business days to assist you. You will receive a confirmation email and secure message when your wire service activation is completed. What are the costs of wires? Costs of wires vary depending of the method of the issuance: Online Banking Domestic Wire – $30.00 International Wire – $40.00 Manually Domestic Wire – $80.00 International Wire – $100.00 Can I issue a wire in a foreign currency? You can issue wires in a foreign currency by filling out the Wire Transfer Request Form to be processed manually. Non USD wires cannot be performed through Online Banking. Please contact our Client Care Center or your banker to obtain the Wire Transfer Request Form.

How do I send a wire transfer?

Sign into Online Banking or Mobile Banking > Payments > Transfer & Pay > Payments > New Payment > International Wire or Domestic Wire > Complete the required information > Review Your Request > Approve

How do I request banker assistance to send a wire transfer?

This service varies based on account type. Please contact our Client Care Center Monday to Friday from 8:00 am to 6:00 pm ET: Within the USA: 1-888-228-1597 Venezuela: 0-800-122-8226 Email: customerservice@banescousa.com

How do I receive an incoming wire transfer?

Provide the sender with the following information:

Your full name or company name and address linked to your Banesco USA account
Your Banesco USA account number
The ABA routing number or SWIFT Code

For senders in the U.S. The Banesco USA ABA Domestic Wires ABA: 067015779 For senders outside the U.S. International Wires Swift: BUBUS33XXX Contact your branch or Relationship Manager for the last 3 digits of the Swift number

The Banesco USA address: 3155 NW 77th Ave., Miami, FL 33122
The Banesco USA Tax ID: 202768796

What do I do if the sender of an incoming wire requests a certification letter?

Log into Online or Mobile Banking > Services > Client Services > Request Reference Letter > Account Certification Letter > Submit. You will be prompted to download an Account Certification Letter that you can provide to the sender.

FAQs

What is FDIC Insurance?

FDIC (Federal Deposit Insurance Corporation) insurance is a form of protection for bank deposits. Backed by the U.S. government, FDIC insurance guarantees the safety of your money in banks that are members of the FDIC, such as Banesco USA. To maintain this insurance coverage, banks pay assessment fees. These fees are determined based on the bank’s balance of insured deposits and their factors. The money collected from these fees helps fund the FDIC’s insurance coverage, and as part of the membership, banks must follow specific regulations and standards to keep their insured status.

What amount of FDIC coverage I can receive?

Visit the FDIC website to learn more about FDIC insurance coverage and to calculate the amount of coverage you are eligible for, based on your specific type of account.

FAQs

What is BanescoVoice?

BanescoVoice is an automated telephone voice response system allowing you to call the bank and enter a secure passcode using your phone to get information about the bank, access your account details and handle transactions.

What can I do with BanescoVoice?

Get Information Account balance Account transaction history Branch hours Handle Banking Transactions Make an immediate payment Schedule a payment Stop a payment Transfer funds between your accounts and other accounts at Banesco USA Manage Your Visa Debit Card Activate a new card Report a lost or stolen card Order a replacement for a damaged card

How do I use BanescoVoice?

Have your account number ready and call one of the numbers below: Within the U.S.: 1-888-228-1576 From Venezuela: 0-800-122-8226 Press 1 for Account Balance Press 2 for Account History Press 3 for Transfer Funds or Make a Payment Press 4 for Card Services Press 5 for more options

FAQs

What are FICO® Scores?

FICO® Scores are the most widely used credit scores. Each FICO® Score is a three-digit number calculated from the data on your credit reports at the three major consumer reporting agencies—Experian, TransUnion and Equifax. Your FICO® Scores predict how likely you are to pay back a credit obligation as agreed. Lenders use FICO® Scores to help them quickly, consistently and objectively evaluate potential borrowers’ credit risk.

Why are you providing FICO® Scores?

Nearly all lenders in the U.S., including Banesco USA, use FICO® Scores, as the industry standard for determining credit worthiness. Reviewing your FICO® Scores can help you learn how lenders view your credit risk and allow you to better understand your financial health.

What goes into FICO® Scores?

FICO® Scores are calculated from the credit data in your credit report. This data is grouped into five categories; the chart below shows the relative importance of each category.

35% – Payment history: Whether you’ve paid past credit accounts on time
30% – Amounts owed: The amount of credit and loans you are using
15% – Length of credit history: How long you’ve had credit
10% – New credit: Frequency of credit inquiries and new account openings

10% – Credit mix: The mix of your credit, retail accounts, installment loans, finance company accounts and mortgage loans

What are score factors?

Score factors are delivered with a consumer’s FICO® Score, these are the top areas that affected that consumer’s FICO® Scores. The order in which the score factors are listed is important. The first factor indicates the area that most affected the score and the second factor is the next most significant influence. Addressing these factors can benefit the score.

Why is my FICO® Score different from other scores I’ve seen?

There are many different credit scores available to consumers and lenders. FICO® Scores are the credit scores used by most lenders, and different lenders may use different versions of FICO® Scores. In addition, FICO® Scores are based on credit file data from a consumer reporting agency, so differences in your credit files may create differences in your FICO® Scores.

Why do FICO® Scores fluctuate/change?

There are many reasons why a score may change. FICO® Scores are calculated each time they are requested, taking into consideration the information that is in your credit file from a consumer reporting agency at that time. So, as the information in your credit file at that CRA(“Consumer Reporting Agency”) changes, FICO® Scores can also change. Review your key score factors, which explain what factors from your credit report most affected a score. Comparing key score factors from the two different time periods can help identify causes for a change in a FICO® Score. Keep in mind that certain events such as late payments or bankruptcy can lower FICO® Scores quickly.

Will receiving my FICO® Score impact my credit?

No. The FICO® Score we provide to you will not impact your credit.

How do I check my credit report for free?

You may get a free copy of your credit report from each of the three major consumer reporting agencies annually. To request a copy of your credit report, please visit: www.annualcreditreport.com. Please note that your free credit report will not include your FICO® Score. Because your FICO® Score is based on the information in your credit report, it is important to make sure that the credit report information is accurate.

How often will I receive my FICO® Score?

Program participants will receive their FICO® Score 8 based on Experian data updated on a monthly basis, when available.

Why is my FICO® Score not available?

You are a new account holder and your FICO® Score is not yet available. Your credit history is too new. You are not the primary account holder.

Additional FICO® Score Information

Frequently Asked Questions about FICO® Scores

FICO® Score Educational Videos

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Banesco USA and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Banesco USA and Fair Isaac do not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating.