Enroll in Online Banking 
Disclosures
Available to domestic clients only. Additional fees and service charges may apply. Refer to the Schedule of Fees and Service Charges.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
1 Available to individuals with a Social Security Number who are enrolled in Online Banking. 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.
2 Transfers and withdrawals to another account or to a third party by preauthorized, automatic, telephone or computer transfers, or by check, draft, or debit card, or similar order to a third party are limited to no more than six per monthly statement cycle for Money Market Accounts and any calendar month for Savings Accounts. An excess item fee of $10.00 will be charged for each transaction in excess of the six transactions.
3 Early withdrawals are subject to penalty and may reduce earnings.
*Annual Percentage Yield. APYs valid as of 02/09/2024. Rates are subject to change at any time and without notice. To earn the disclosed APY's, the account must be opened with a minimum deposit of $1,000 if opened in a branch or a minimum deposit of $1,500 if opened online. To earn stated APY’s, interest must remain in the account. For terms greater than 12 months that do not compound, interest cannot remain on deposit and an annual payout is mandatory. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawals prior to maturity. Interest is calculated based on the daily periodic rate on the CD principal balance and is payable on the basis of the number of days between the CD issue date and maturity date. Your daily periodic rate can be determined by dividing the interest rate by 365 days. Multiply the daily periodic rate by the number of days of the CD principal balance for determination of the interest payable on your CD. Offer available to U.S. citizens or resident aliens with a valid U.S. Taxpayer Identification Number. You must be at least 18 years of age to open an account online. Qualifying opening deposit must be new money to Banesco USA.
Accounts and services for all your banking needs
Our technology-driven solutions and personalized attention from a dedicated team of experienced bankers help you manage your accounts today and achieve your financial vision for the future.
Account services and features.
Online Banking & Bill Pay
Securely access your accounts with the added convenience of paying bills online to eliminate check writing.
Mobile Banking with Check Deposit
Check balances, transfer funds, pay bills and deposit checks on the go.
Contactless Visa Debit Card
Pay contactless and monitor transactions online to manage expenses.
Zelle®
Send and receive money with people you know and trust.
eWires
Schedule domestic and international wires in online and mobile banking.
Visa Debit Card Controls
Protect your account by turning your card on and off, setting spending limits and deciding where and when your card can be used.
Free Credit Score
Monitor your FICO® credit score and learn ways to raise your credit profile.¹
Worldwide ATMs
View balances, withdraw cash and transfer funds at ATMs across the globe.
Free eStatements
Sign up to receive account statements online to avoid mail delays and reduce risk of fraud.
Compare personal accounts.
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$100 minimum opening balance |
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$15 monthly maintenance fee |
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Earns interest |
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Unlimited no-fee transactions |
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Zelle® |
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Visa Debit Card |
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Online Banking |
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Mobile Banking |
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eWires |
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$100 minimum opening balance |
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$15 monthly maintenance fee |
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$1,500 minimum balance to earn interest |
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Unlimited no-fee transactions |
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Zelle® |
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Visa Debit Card |
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Online Banking |
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Mobile Banking |
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eWires |
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BanesFlex Money MarketAn account with the features of a checking account that earns interest Open Online |
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$2,500 minimum opening balance |
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$5 monthly maintenance fee
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$2,500 minimum balance to earn interest |
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$10 per transaction in excess of 6 per statement cycle² |
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Zelle® |
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Visa Debit Card |
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Online Banking |
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Mobile Banking |
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eWires |
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$100 minimum opening balance |
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$5 monthly maintenance fee |
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$300 minimum balance to earn interest |
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$10 per transaction in excess of 6 per statement cycle² |
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Zelle® |
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Visa Debit Card |
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Online Banking |
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Mobile Banking |
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eWires |
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BaneSmart Certificate of DepositAn account that earns a fixed rate of interest for a fixed term Open Online |
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$1,500 minimum opening balance |
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No monthly maintenance fee |
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$1,500 minimum balance to earn interest |
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Early withdrawal penalties may apply³ |
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Zelle® |
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Visa Debit Card |
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Online Banking |
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Mobile Banking |
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eWires |
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Other fees may apply. Please refer to the Schedule of Fees.
Get Personalized Banking Help:
Open Your Account In-Branch
Open your account at one of our branches. Enjoy a seamless experience that includes personal assistance to select the account with the features and services that you need. See the Personal Account Guide for more information.
CD Special Rates
4.60
%
APY*
12-month CD
*Annual Percentage Yield
4.55
%
APY*
6-month CD
*Annual Percentage Yield
