Personal Banking

Financial solutions aligned with how you live, supported by the attentive service of your dedicated BanescoSelect Relationship Manager based in Puerto Rico.

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Getting to know you allows your BanescoSelect Relationship Manager to tailor solutions that elevate your everyday banking experiences.

Personalized service is complemented by innovative online and mobile technologies to provide real-time banking from wherever you are, on and off the island.

Your BanescoSelect Relationship Manager and service team in Puerto Rico are always within reach by phone, secure email in Online Banking, and in person at our San Juan banking center.

Bank accounts are designed to simplify your daily liquidity management, offering real-time access to balances, transfers, and payments through our online and mobile platforms. You can also send and receive money quickly and securely with Zelle^®.

Mobile-exclusive features enable you to reset your password, deposit checks, and receive account activity alerts via text and email.

Our BanescoSelect clients transact with higher limits and fewer restrictions based on your total relationship balance.

Explore BanescoSelect Personal Rewards

BanescoSelect Rewards

Reserved for our BanescoSelect clients, you’ll be rewarded for your relationship with us. Experience exclusive benefits with a combined monthly average balance of $XXXX and above.¹ Rewards increase as your balance grows to save on fees, earn higher interest rates, and more.

Personal Accounts & BanescoSelect Rewards

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Privacy & Fraud Prevention

Providing you with the confidence to bank securely in Puerto Rico and beyond is our priority.

Your accounts are protected with advanced activity monitoring designed to identify and prevent potential fraud. Transaction patterns are reviewed continuously, and any irregularities are reported promptly. Multi-factor authentication provides added protection when banking through our mobile app.

Your metal BanescoSelect Visa Debit Card includes Card Controls, available in Online Banking and the mobile app, allowing you to receive real-time notifications about card usage, temporarily deactivate your card, and manage activity by merchant or location.²

Your BanescoSelect Relationship Manager and service team in Puerto Rico provide attentive support complemented by secure email messaging available in Online Banking and the mobile app.

We offer a paperless experience, with statements available to view and download in Online Banking. We respect your privacy. Banesco USA does not share your personal information or information related to your relationship except as permitted by law (please see our Privacy Notice).

Account transaction and service fees apply. Refer to the Schedule of Fees and Service Charges.

¹If you maintain the required balance, we will either waive or refund the below balance maintenance fee. The combined monthly average balance is based on collected balances for qualifying relationship deposit accounts per statement cycle. Qualifying relationship deposit accounts include retail and business checking, Money Market, savings and time deposit accounts with primary, joint, authorized signer, trustee, beneficiary, director, partner, minor and shareholder relationships. Collected balance means we only include those funds for which we have actually received payment. The combined monthly average balance is calculated by adding the closing balance in the account(s) at the end of each day and dividing the total by the number of days in the statement cycle (interest paid by the Bank is not included). BanescoSelect products are eligible for additional reward benefits as stated in this product guide. To earn BanescoSelect Rewards, balances up to but not including the statement date will be considered.

²Card Controls is available for personal accounts that are enrolled in Online Banking. Debit cards are available with checking accounts.

Zelle^® is available in over 2,300 banking and credit union apps. To send or receive money with Zelle^®, both parties must have an eligible checking or savings account. Transactions between enrolled consumers typically occur within minutes. Check with your financial institution. Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.