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Business Banking

The dependability of the U.S. banking system combined with the expertise of a Relationship Manager to customize a liquidity management strategy tailored to your goals.
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Our business banking solutions and treasury management services accelerate collections and streamline payments to allow you to maintain liquidity.

Secure online and mobile technology provide the freedom and flexibility to manage your financial affairs from anywhere in the world, while also granting access to your accounts to trusted individuals who can make transactions on your behalf.

We offer strategies designed for global commerce. Global payment processing options, an expansive network of correspondent banks and lines of credit are available to support your operation.

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Bank accounts are designed to accommodate your daily needs to send and receive payments, efficiently manage multiple accounts to meet liquidity requirements and earn interest on idle funds.

We offer the flexibility to share access to your accounts with trusted individuals who can transact on your behalf, including the use of a VISA® Debit Card to access the account while you maintain control.

Zelle® for Small Business is available to send and receive money with small businesses and consumers who are enrolled in Zelle®.

Select Rewards

Save on fees and enjoy other benefits when your combined business account balances reach $250,000 and above.
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Accelerated Funds Availability

ACH collections, Zelle® and Merchant Services streamline availability of funds in your account. Lockbox Services and Remote Deposit Capture speed processing and save the time needed to visit one of our branches in Florida or Puerto Rico to deposit paper checks.

Our automated Zero Balance Accounts, for businesses incorporated in the US, ensure the smooth transfer of idle cash from operating, payroll and other accounts to and from a master account, while maintaining adequate balances to meet expenses.

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Liquidity Preservation

Digital payables solutions, for businesses incorporated in the US, including ACH origination, wire transfers, and online and mobile bill pay offer the flexibility to time the release of funds.

Our commercial lines of credit and investment-secured loans available through our partnership with Miura Capital* provide the opportunity to elevate working capital, finance an expansion or acquire income-producing assets without drawing down cash.


Risk Management

Banesco USA oversees your accounts to prevent fraud and protect you from cyber threats.

Account activity is monitored to detect potential fraud. Your historical transaction patterns are analyzed and any deviation is brought to your attention.

Payee Positive Pay detects potential fraud by matching your payee and other information with checks presented for processing.

Our online banking tools make it easy to add and remove authorized users, set up transaction limits and view processing history.

Two-factor authentication provides added protection using our mobile app, and paperless statements are posted in your online deposit accounts for view and download.

Banesco USA accounts are insured by the FDIC up to the standard maximum amount. Deposit accounts with balances above $250,000 are eligible.

Service from your Relationship Manager is complemented by secure email messaging available through online banking and the mobile app.


Loans and lines of credit are subject to credit approval. Additional conditions may apply.

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

Merchant Services provided by FiServ.

*Funds from an investment secured loan may not be used to purchase other securities. Miura Capital, LLC is a broker-dealer registered with the Securities and Exchange Commission (SEC), licensed by the Florida Office of Financial Regulation (OFR) and a member of Financial Industry Regulatory Authority, Inc. (FINRA).

Securities and investment products provided by Miura Capital, LLC:

Are Not FDIC Insured | Are Not Bank Guaranteed | May Lose Value | Are Not Insured by Any Federal Government Agency | Are Not A Condition of Any Banking Activity.